Scam Alert: We are aware of scammers impersonating Citadel representatives by phone, text, and in-person visits. Citadel will never ask for your PIN or sensitive information, never instruct you to cut up your debit or credit card AND keep the chip intact, and never send anyone to your home to retrieve a card. If you receive a call, text, or visit claiming otherwise, it is a scam. Call 800-666-0191 immediately.

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How does an Escrow Analysis work for new construction?

Frequently Asked Question

If your house is newly built the taxes may still be based on the land value only, without the value of the house. After construction, your property will be re-assessed by your County Tax Assessor and your taxes will be increased to include the house. The difference between these tax amounts will be billed to you on an “Interim Tax Bill”.

In addition, there may be an interim tax bill for each of your property taxes; City, County, and School. These bills will say “Interim Tax Bill” on the form. Usually, you will receive interim tax bills within the first year of your house being completed. Interim tax bills are not included in your escrow account and are usually paid by the homeowner. Please contact us at 800-666-0191 ext. 6220 to learn more.

 

Take the stress out of home buying with a Citadel mortgage.

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Citadel Credit Union routing number

Routing #

231380104

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Branch Hours: Mon - Fri 9:00 a.m.-5:00 p.m.

Saturday: 9:00 a.m.-1:00 p.m. *Hours may vary by location

Please Note: New 2026 branch hours have taken effect. Visit Citadelbanking.com/Locations for details.

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