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Citadel Credit Union

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Wealth

Routing # 231380104

Bank
- Bank
  The Account That Grows With You
  
  It's got five tiers that grow as you go. And for a limited time, earn up to a $400 bonus when you open your account.*
  
  Get Growing
Save
- Savings Accounts
  Earn 4.35% APY on a 36 Month Certificate^*
  
  Or, earn 4.25% APY^* on a 30 Month Certificate and save big during life's little moments. ^*Additional terms apply.
  
  Learn More
Borrow
- Borrow
  Consolidate Debt with a HELOC
  
  Intro rate as low as 3.99% APR & a variable rate as low as 7.50% after six months.^* Additional terms apply.
  
  Learn More
Insure
- Insure
  Let’s Navigate Medicare Together
  
  Citadel offers a dedicated Medicare Specialist to help you better prepare and understand your Medicare options.
  
  Learn More
Financial Wellness
- Financial Wellness
  Security: Fight & Report Fraud
  
  Help us keep your accounts safe and learn what scams to be on the lookout for by visiting the security section of our website.
  
  Visit Security
Payments
- Make a Payment to Citadel
  Make a Payment. Improve Your Score.
  
  Did you know consistently making on time payments can help boost your credit score? Our Online & Mobile Banking offers free credit score monitoring so you can see your progress.
  
  Log In

Business Checking
- Business Checking
  - Elite Business Checking
  - Essential Business Checking
  Meet Elite
  
  With more transactions per month, our Elite Business Checking account can help your business evolve.
  
  Open Now
Business Savings
- Business Savings
  Earn 4.35% APY on a 36 Month Business Certificate^*
  
  Or, earn 4.25% APY^* on a 30 Month Business Certificate.^*Additional terms apply.
  
  Open Now
Business Loans
- Business Loans & Credit Cards
  Flexible Working Capital
  
  We can help manage your cash flow with flexible funding options like a Business Line of Credit.
  
  Learn More
Business Tools
- Business Tools
  - Cash Management Solutions
  - Online & Mobile Banking Tools
  Streamline Operations
  
  Find tools to automate Payroll & HR, Merchant Services by Clover, and Remote Deposit Capture.
  
  VIEW ALL
Industry Solutions
- Industry Solutions
  - Who We Serve
  - Healthcare Banking
  Businesses Like Yours
  
  Our team has extensive experience supporting a wide variety of businesses and industries, including healthcare.
  
  LEARN MORE
Business Banking Team
- Business Team
  Articles & Tips
  
  Get inspired with helpful articles and free resources for business leaders.
  
  READ MORE

Can I open a new Free or Cashback Rewards Checking Account?

Frequently Asked Question

Citadel's Free Checking & Cashback Rewards Checking Accounts have been retired as of February 2025. Accountholders can keep their existing accounts or upgrade to Ultimate Growth Checking.

To make the switch, log in to Online & Mobile Banking, then:

Select your current checking account from the accounts list
Select 'More', then 'Switch Account Type'

Or, you can stop by any branch.

To open a new Ultimate Growth Checking Account, visit CitadelBanking.com/Ultimate

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By proceeding, please note you will be leaving Citadel’s website. This linked site is not operated or monitored by Citadel Credit Union and our privacy and security policies do not apply. Citadel is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, accuracy, products, or services that are offered or expressed on other websites.

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