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Consistently Great Rates, Low Fees
Current Rates & Fees
Select a product to view Rates & Fees:
Citadel Featured Rates
High Yield Savings Account
3.16% DIVIDEND RATE
3.20% APY
$10,000+
8 Month Certificate
4.03% DIVIDEND RATE
4.10% APY
$500 Min. (New Money Required)*
36 Month Certificate
3.69% DIVIDEND RATE
3.75% APY
$500 Min.
New Auto
AS LOW AS
5.49% APR
Model Year 2026+
Flexible Terms Available
10 Year Refinance Rate
AS LOW AS
6.000% RATE
6.064% APR
10 Year
fixed rate
0 Points
5 Year Home Equity
AS LOW AS
6.240% RATE
6.306% APR
5 Years
fixed rate*
Auto, Motorcycle & Personal Loans
Auto Loan Rates
AS LOW AS
5.49% APR
New AutoModel Year 2026+
Flexible Terms Available
AS LOW AS
5.99% APR
NewModel Year 2026+
Flexible Terms Available
AS LOW AS
6.49% APR
NewModel Year 2026+
Flexible Terms Available
AS LOW AS
5.74% APR
UsedModel Years 2022-2026
Flexible Terms Available
AS LOW AS
6.19% APR
UsedModel Years 2022-2026
Flexible Terms Available
AS LOW AS
6.49% APR
UsedModel Years 2018-2021
Flexible Terms Available
AS LOW AS
6.59% APR
UsedModel Years 2022-2026
Flexible Terms Available
AS LOW AS
6.74% APR
UsedModel Years 2018-2021
Flexible Terms Available
AS LOW AS
7.49% APR
UsedModel Years 2018-2021
Flexible Terms Available
AS LOW AS
10.49% APR
UsedModel Years 2017 & Older
Flexible Terms Available
AS LOW AS
7.49% APR
New Motorcycle LoanModel year 2026+
Flexible Terms Available
AS LOW AS
7.74% APR
Used Motorcycle LoanModel Years 2022-2026
Flexible Terms Available
AS LOW AS
8.49% APR
Used Motorcycle LoanModel Years 2018-2021
Flexible Terms Available
AS LOW AS
12.49% APR
Used Motorcycle LoanModel Years 2017 & Older
Flexible Terms Available
LOAN SERVICES FEES
- $2.95 for one-time consumer loan payment by ACH transfer or debit card
- $5.95 for one-time real estate loan payment by ACH transfer or debit card
- Varies – Late payment on all loans (fee amount equals 2 – 5% of loan payment due)
- $115.00 vehicle lien recording
- $50.00 auto title change
- $40.00 lien renewal fee (if applicable)
- $10.00 lien release letter
- $50.00 loan signing by mail (consumer loans, if applicable)
Personal Loan Rates
AS LOW AS
9.99% APR
Personal Loan36 Months
AS LOW AS
9.99% APR
Personal Loan60 Months
AS LOW AS
12.99% APR
Personal Loan72 Months
AS LOW AS
15.24% APR
Personal Loan84 Months
AS LOW AS
12.24% APR
Personal Line of Creditvariable rate
LOAN SERVICES FEES
- $2.95 for one-time consumer loan payment by ACH transfer or debit card
- $5.95 for one-time real estate loan payment by ACH transfer or debit card
- Varies – Late payment on all loans (fee amount equals 2 – 5% of loan payment due)
- $115.00 vehicle lien recording
- $50.00 auto title change
- $40.00 lien renewal fee (if applicable)
- $10.00 lien release letter
- $50.00 loan signing by mail (consumer loans, if applicable)
Business Checking Rates
Business Checking Account Rates
0.05% DIVIDEND RATE
0.05% APY
Elite Business Checking$5,000-$9,999.99
0.30% DIVIDEND RATE
0.30% APY
Elite Business Checking$10,000+
0.00% DIVIDEND RATE
0.00% APY
Essential Business Checking$0.00
ESSENTIAL BUSINESS CHECKING FEES
- 200 FREE transactions each statement cycle**
$0.25 per item fee over 200 (per statement cycle)
- 25% discount on first order of checks
ELITE BUSINESS CHECKING FEES
- $15.00 monthly service fee – waived for 90 days following account opening; after 90 days monthly service fee waived if one of the following criteria is met:
Average daily checking balance is $5,000 or more
$25,000 combined average daily balance in deposits
and month end investment balances
Merchant Services Enrollment with at least one
merchant services deposit per month
- 500 FREE transactions each statement cycle**
- $0.25 per item fee over 500 (per statement cycle)
- 50% discount on first order of checks
- 2 FREE domestic wires per quarter from elite checking via online banking
**Including checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits.
Business High Yield Savings Rate
Business High Yield Savings
3.16% DIVIDEND RATE
3.20% APY
Business High Yield Savings$10,000+
1.20% DIVIDEND RATE
1.20% APY
Business High Yield Savings$5,000-$9,999
BUSINESS HIGH YIELD SAVINGS
- $25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)
Business Savings Rates
Business Money Market
0.45% DIVIDEND RATE
0.45% APY
Business Money Market$2,500 - $24,999.99
0.50% DIVIDEND RATE
0.50% APY
Business Money Market$25,000 - $74,999.99
0.55% DIVIDEND RATE
0.55% APY
Business Money Market$75,000 - $249,999.99
0.75% DIVIDEND RATE
0.75% APY
Business Money Market$250,000 Min.
BUSINESS MONEY MARKET
- $10.00 monthly service fee – waived for 90 days following account opening; after 90 days monthly service fee waived if one of the following criteria is met:
Average daily balance is $2,500 or more
Maintain an Elite Business Checking account with Merchant Services Enrollment and at least one merchant services deposit per month
- Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.
Business Savings
0.05% DIVIDEND RATE
0.05% APY
Business Savings$5 - $24,999.99
0.10% DIVIDEND RATE
0.10% APY
Business Savings$25,000+
0.10% DIVIDEND RATE
0.10% APY
Business Star Savings$5.00 - $2,499
0.15% DIVIDEND RATE
0.15% APY
Business Star Savings$2,500 - $24,999.99
0.25% DIVIDEND RATE
0.25% APY
Business Star Savings$25,000 - $74,999.99
0.30% DIVIDEND RATE
0.30% APY
Business Star Savings$75,000+
BUSINESS STAR SAVINGS
- $5.00 service fee to close an account within 90 days of opening
- Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.
Certificates (Certificates, IRA and Business Certificates)
Citadel Standard Certificate Rates
3.45% DIVIDEND RATE
3.50% APY
3 Month Certificate$500 Min.
3.55% DIVIDEND RATE
3.60% APY
6 Month Certificate$500 Min.
4.03% DIVIDEND RATE
4.10% APY
8 Month Certificate$500 Min. (New Money Required)*
3.55% DIVIDEND RATE
3.60% APY
12 Month Certificate$500 Min.
3.59% DIVIDEND RATE
3.65% APY
18 Month Certificate$500 Min.
3.69% DIVIDEND RATE
3.75% APY
24 Month Certificate$500 Min.
3.69% DIVIDEND RATE
3.75% APY
30 Month Certificate$500 Min.
3.69% DIVIDEND RATE
3.75% APY
36 Month Certificate$500 Min.
3.55% DIVIDEND RATE
3.60% APY
48 Month Certificate$500 Min.
3.55% DIVIDEND RATE
3.60% APY
60 Month Certificate$500 Min.
3.55% DIVIDEND RATE
3.60% APY
84 Month Certificate$500 Min.
Certificate Fees:
Early withdrawals on Certificates are subject to penalty. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater.
We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
Citadel Bonus Certificate Rates
3.50% DIVIDEND RATE
3.55% APY
3 Month Bonus Certificate$75,000+
3.59% DIVIDEND RATE
3.65% APY
6 Month Bonus Certificate$75,000+
4.08% DIVIDEND RATE
4.15% APY
8 Month Bonus Certificate$75,000+ (New Money Required)*
3.59% DIVIDEND RATE
3.65% APY
12 Month Bonus Certificate$75,000+
3.64% DIVIDEND RATE
3.70% APY
18 Month Bonus Certificate$75,000+
3.74% DIVIDEND RATE
3.80% APY
24 Month Bonus Certificate$75,000+
3.74% DIVIDEND RATE
3.80% APY
30 Month Bonus Certificate$75,000+
3.74% DIVIDEND RATE
3.80% APY
36 Month Bonus Certificate$75,000+
3.59% DIVIDEND RATE
3.65% APY
48 Month Bonus Certificate$75,000+
3.59% DIVIDEND RATE
3.65% APY
60 Month Bonus Certificate$75,000+
3.59% DIVIDEND RATE
3.65% APY
84 Month Bonus Certificate$75,000+
Certificate Fees:
Early withdrawals on Certificates are subject to penalty. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater.
We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
Checking Accounts
Checking Account Rates
0.00% DIVIDEND RATE
0.00% APY
Ultimate Growth Checking Tier 1$0.00
0.05% DIVIDEND RATE
0.05% APY
Ultimate Growth Checking Tier 2$5,000 to $9,999
0.10% DIVIDEND RATE
0.10% APY
Ultimate Growth Checking Tier 3$10,000 to $19,999
0.15% DIVIDEND RATE
0.15% APY
Ultimate Growth Checking Tier 4$20,000 to $39,999
0.20% DIVIDEND RATE
0.20% APY
Ultimate Growth Checking Tier 5$40,000 & above
CITADEL CHECKING ACCOUNTS (Universal)
- $5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more.
- FREE Standard Senior Checks for members age 70 and older or 50% off catalogue on duplicate wallet style checks for members age 70 and older.
- Monthly service fees do not apply to primary account owners less than 21 years of age.
Citadel Cashback Rewards Checking
- $10.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met: Maintain an average daily balance of $5,000.00 in your Cashback Rewards Checking account or Receive a qualifying monthly direct deposit of $1,000.00 or more in your Cashback Rewards Checking account.
Citadel FREE Checking
- $5.00 overdraft transfer from your savings or loan account
Credit Cards
Mastercard
AS LOW AS
14.74% APR
Cash Rewards Mastercardvariable APR
AS LOW AS
14.74% APR
Business Rewards Mastercardvariable APR
AS LOW AS
10.74% APR
Choice Mastercardvariable APR
AS LOW AS
13.74% APR
World Mastercardvariable APR
CITADEL MASTERCARD® FEES
- Up to $35.00 late payment
- Up to $25.00 returned payment
- Cash advance fee of up to 5.0% of amount advanced ($10.00 minimum)
- Balance transfer fee of 5.0% of amount transferred ($5.00 minimum)
- $10 lost card replacement fee (fee waived to replace a stolen Mastercard)
- 1.1% foreign transaction fee (Excluding World Mastercard)
- Expedited Credit Card replacement fee, $30 Domestic, $35 International
High Yield Savings Account
High Yield Savings Rate
3.16% DIVIDEND RATE
3.20% APY
High Yield Savings Account$10,000+
3.18% DIVIDEND RATE
3.22% APY
High Yield Savings Account$10,000+ With Tier 2 Ultimate Growth Checking
3.21% DIVIDEND RATE
3.25% APY
High Yield Savings Account$10,000+ With Tier 3 Ultimate Growth Checking
3.26% DIVIDEND RATE
3.30% APY
High Yield Savings Account$10,000+ With Tier 4 Ultimate Growth Checking
3.30% DIVIDEND RATE
3.35% APY
High Yield Savings Account$10,000+ With Tier 5 Ultimate Growth Checking
1.20% DIVIDEND RATE
1.20% APY
High Yield Savings Account$5,000-$9,999
1.22% DIVIDEND RATE
1.22% APY
High Yield Savings Account$5,000-$9,999 With Tier 2 Ultimate Growth Checking
1.25% DIVIDEND RATE
1.25% APY
High Yield Savings Account$5,000-$9,999 With Tier 3 Ultimate Growth Checking
1.30% DIVIDEND RATE
1.30% APY
High Yield Savings Account$5,000-$9,999 With Tier 4 Ultimate Growth Checking
1.35% DIVIDEND RATE
1.35% APY
High Yield Savings Account$5,000-$9,999 With Tier 5 Ultimate Growth Checking
CITADEL HIGH YIELD SAVINGS
- $25.00 withdrawal fee for each withdrawal or transfer (three free per calendar quarter, then $25.00 each)
- $5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.
- Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.
IRA Money Markets
IRA Money Markets
0.45% DIVIDEND RATE
0.45% APY
IRA Money Market$2,500 Min.
0.50% DIVIDEND RATE
0.50% APY
IRA Money Market$25,000 Min.
0.55% DIVIDEND RATE
0.55% APY
IRA Money Market$75,000 Min.
0.75% DIVIDEND RATE
0.75% APY
IRA Money Market$250,000 Min.
CITADEL INDIVIDUAL RETIREMENT MONEY MARKET ACCOUNTS FEES
- $10.00 closing service (if applicable)
Mortgages & Home Equity
Conventional Mortgage and Refinance Rates
AS LOW AS
6.000% RATE
6.064% APR
10 Year Purchase Rate10 Years
fixed rate
0 points
AS LOW AS
5.875% RATE
5.918% APR
15 Year Purchase Rate15 Years
fixed rate
0 points
AS LOW AS
6.500% RATE
6.533% APR
20 Year Purchase Rate20 Years
fixed rate
0 points
AS LOW AS
6.625% RATE
6.647% APR
30 Year Purchase Rate30 Years
fixed rate
0 Points
AS LOW AS
6.000% RATE
6.064% APR
10 Year Refinance Rate10 Year
fixed rate
0 Points
AS LOW AS
5.875% RATE
5.918% APR
15 Year Refinance Rate15 Year
fixed rate
0 Points
AS LOW AS
6.500% RATE
6.533% APR
20 Year Refinance Rate20 Year
fixed rate
0 Points
AS LOW AS
6.625% RATE
6.647% APR
30 Year Refinance Rate30 Year
fixed rate
0 Points
AS LOW AS
6.250% RATE
6.250% APR
10 Year Easy Refinance Rate10 Year
fixed rate
0 Points
AS LOW AS
6.125% RATE
6.125% APR
15 Year Easy Refinance Rate15 Year
fixed rate
0 Points
AS LOW AS
6.750% RATE
6.750% APR
20 Year Easy Refinance Rate20 Year
fixed rate
0 Points
AS LOW AS
6.875% RATE
6.875% APR
30 Year Easy Refinance Rate30 Year
fixed rate
0 Points
AS LOW AS
6.250% RATE
6.272% APR
7/6 Year ARM7 Year ARM
variable rate
0 points
AS LOW AS
6.375% RATE
6.397% APR
10/6 Year ARM10 Year ARM
variable rate
0 points
Citadel Mortgage Fees:
- Mortgage recording fee (varies)
- Mortgage satisfaction fee (varies)
- $1,000.00 Mortgage modification
- $5.95 for one-time real estate loan payment by ACH transfer or debit card
Home Equity Loan Rates
AS LOW AS
3.99% INTRO
6.75% APR
Interest-Only HELOC6 Month Intro Term
variable
AS LOW AS
6.240% RATE
6.306% APR
5 Year Home Equity5 Years
fixed rate*
AS LOW AS
6.490% RATE
6.530% APR
10 Year Home Equity10 Years
fixed rate*
AS LOW AS
6.740% RATE
6.759% APR
15 Year Home Equity15 Year
fixed rate*
AS LOW AS
6.740% RATE
6.755% APR
20 Year Home Equity20 Years
fixed rate*
Citadel Home Equity Fees:
- Home equity third party fee (varies)
- Home equity loan/line of credit note modification fee (1% of loan balance)
- $100 home equity loan/line of credit subordination fee
- $250 home equity line of credit early termination fee
- $5.95 for one-time real estate loan payment by ACH transfer or debit card
Savings (Savings Accounts & Money Markets)
Savings Account Rates
0.10% DIVIDEND RATE
0.10% APY
Star Savings$5.00 - $2,499
0.15% DIVIDEND RATE
0.15% APY
Star Savings$2,500 - $24,999.99
0.25% DIVIDEND RATE
0.25% APY
Star Savings$25,000 - $74,999.99
0.30% DIVIDEND RATE
0.30% APY
Star Savings$75,000+
0.10% DIVIDEND RATE
0.10% APY
Kids Club$5.00 - $2,499
0.20% DIVIDEND RATE
0.20% APY
Kids Club$2,500 - $24,999.99
0.25% DIVIDEND RATE
0.25% APY
Kids Club$25,000 - $74,999.99
0.30% DIVIDEND RATE
0.30% APY
Kids Club$75,000+
0.10% DIVIDEND RATE
0.10% APY
Holiday ClubNo Minimum Required
0.10% DIVIDEND RATE
0.10% APY
Auxiliary Savings$5 - $2,499.99
0.15% DIVIDEND RATE
0.15% APY
Auxiliary Savings$2,500 - $24,999.99
0.25% DIVIDEND RATE
0.25% APY
AUXILIARY SAVINGS$25,000 - $74,999.99
0.30% RATE
0.30% APY
AUXILIARY SAVINGS$75,000+
CITADEL SAVINGS ACCOUNTS
- $5.00 service fee to close an account within 90 days of opening
- $5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.
- Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.
Money Market Account Rates
0.45% DIVIDEND RATE
0.45% APY
Money Market$2,500 - $24,999.99
0.50% DIVIDEND RATE
0.50% APY
Money Market$25,000 - $74,999.99
0.55% DIVIDEND RATE
0.55% APY
Money Market$75,000 - $249,999.99
0.75% DIVIDEND RATE
0.75% APY
Money Market$250,000 Min.
CITADEL MONEY MARKET ACCOUNTS FEES
- $10.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if average daily balance is $2,500 or more
- $5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.
- Monthly service fee does not apply to primary account owners less than 21 years of age.
- Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.
*APY=Annual Percentage Yield. APR=Annual Percentage Rate. Some products are subject to credit approval. Rates accurate as of
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Personal Banking Fees
CITADEL CHECKING ACCOUNTS (Universal)
- FREE Standard Senior Checks for members age 70 and older or 50% off catalogue on duplicate wallet style checks for members age 70 and older.
- Monthly service fees do not apply to primary account owners less than 21 years of age.
1) Ultimate Growth Checking
- No monthly service fee
| Rewards Tier | ATM Balance Inquiries | ATM Withdrawals | ATM Surcharge Refund | Stop Payment and Overdraft Transfer | Wire Transfers Domestic & International |
| Tier 1 | 1 Free | 1 Free | None | Standard Fees Apply |
Incoming - Fees Refunded |
| Tier 2 | 2 Free | 2 Free | None | Waived |
Incoming - Fees Refunded |
| Tier 3 | 6 Free | 6 Free | First 6 Refunded Per Month | Waived |
Incoming - Fees Refunded |
| Tier 4 | 10 Free | 10 Free | First 10 Refunded Per Month | Waived |
Incoming - Fees Refunded |
| Tier 5 | 10 Free | 10 Free | First 10 Refunded Per Month | Waived |
Incoming - Fees Refunded |
2) Citadel Cashback Rewards CheckingSM
- $10.00 Service Fee - Charged monthly, waived if one of the following criteria is met:
- Receive qualifying monthly direct deposit(s)1 totaling $1,000 or more into your Cashback Rewards Checking account or
- Maintain an average daily balance of $5,000 or more in your Cashback Rewards Checking account
- Service fee does not apply to primary account owners less than 21 years of age
3) Citadel FREE CheckingSM
- $5.00 overdraft transfer fee for each transfer from a linked savings or loan
4) Citadel STAR CheckingSM
- $7.00 Service Fee - Charged monthly, waived if one of the following criteria is met:
- Maintain an average daily balance of $500.00 in your STAR Checking account or
- Maintain $10,000 in total combined household deposit, investment and loan balances
- Service fee does not apply to primary account owners less than 21 years of age
- $5.00 overdraft transfer fee for each transfer from a linked savings or loan (3 free per month)
5) Citadel Premiere CheckingSM
- $17.00 Service Fee - Charged monthly, waived if one of the following criteria is met:
- Maintain an average daily balance of $5,000 in your Premiere Checking account or
- Maintain $25,000 in total combined household deposit, investment and loan balances
- Service fee does not apply to primary account owners less than 21 years of age
- FREE Standard Premiere Checks or 50% off catalogue on duplicate wallet styles checks
CITADEL SAVINGS ACCOUNTS
- $5.00 service fee to close an account within 90 days of opening
CITADEL HIGH YIELD SAVINGS
- $25.00 withdrawal fee for each withdrawal or transfer (three free per calendar quarter, then $25.00 each)
CITADEL MONEY MARKET ACCOUNTS
- $10.00 Service Fee - Charged monthly, waived if one of the following criteria is met:
- Within 60 days of account opening
- Average daily balance is $2,500 or more
- Primary account owner is less than 21 years of age
CITADEL INDIVIDUAL RETIREMENT MONEY MARKET ACCOUNTS (IRA) AND CERTIFICATES
- $10.00 closing service (if applicable)
CITADEL DEBIT/ATM CARD
- $1.00 per ATM balance inquiry at all non-Citadel ATM (Citadel Star Savings, FREE Checking and Ultimate Growth Checking Only)**
- $3.00 per ATM withdrawal at all non-Citadel ATM (Citadel Star Savings, FREE Checking and Ultimate Growth Checking Only)**
- $10.00 lost debit/ATM card replacement (No fee to replace a stolen debit/ATM card)
- Expedited debit/ATM card replacement $30.00 domestic/$35.00 international
- 1.1% foreign transaction fee
ONLINE & MOBILE BANKING
- $15.00 next day check payment
CITADEL MASTERCARD® (Consumer and Business)
- Up to $35.00 late payment
- Up to $25.00 returned payment
- Balance Transfer fee 5% of the amount transferred ($5.00 minimum)
- Cash advance fee of up to 5.0% of amount advanced ($10.00 minimum)
- $10.00 lost Mastercard® replacement fee (No fee to replace a stolen Mastercard®)
- Expedited credit card replacement fee $30.00 domestic/$35.00 international
- 1.1% foreign transaction fee (excluding World Mastercard®)
FOREIGN CHECK DEPOSITS
- $25.00 Canadian check deposits
- $35.00 for EU check deposits
- Varies – All other foreign check deposits ($10.00 plus Federal Reserve charge to Citadel)
- $15.00 returned item fee for Canadian checks
- $40.00 returned item fee for all other types of foreign checks
WIRE TRANSFERS
- $10.00 incoming domestic wire transfers (Fees refunded for Ultimate Growth Checking)
- $40.00 incoming foreign wire transfers (Fees refunded for Ultimate Growth Checking)
- $15.00 outgoing domestic wire transfers less than $2,500 (See Ultimate Growth Checking for fee refunds based on Tier)
- $30.00 outgoing domestic wire transfers of $2,500 or more (See Ultimate Growth Checking for fee refunds based on Tier)
- $50.00 outgoing foreign wire transfers (See Ultimate Growth Checking for fee refunds based on Tier)
CITADEL HOME EQUITY
- Varies – Home equity third party fees
- Varies – Home equity loan/home equity line of credit note modification (1% of loan balance)
- $100.00 Home equity loan/home equity line of credit subordination fee
- $250.00 Home equity line of credit early termination fee
CITADEL MORTGAGES
- Varies – Mortgage recording
- Varies – Mortgage satisfaction
- $1,000.00 Mortgage modification
LOAN SERVICES
- One-time Loan Payments by eCheck or Debit Card
- $2.75 - Online
- $2.95 - Automated phone system
- $5.50 - Over the phone with a representative
- Varies – Late payment on all loans (fee amount equals 2 – 5% of loan payment due)
- $160.00 vehicle lien recording
- $50.00 auto title change
- $40.00 lien renewal fee (if applicable)
- $10.00 lien release letter
- $50.00 loan signing by mail (consumer loans, if applicable)
GENERAL SERVICES
- $2.00 paper statement fee (waived for 60 days following account opening; after 60 days waived for members under age 21 and 70+)
- $33.00 Courtesy Pay overdraft fee2,4
- $33.00 Non-sufficient funds (NSF) fee3,4
- $5.00 Inactivity Fee - Charged monthly to each savings, checking, and money market account if no activity on any Citadel account for one year. Waived if one of the following criteria is met:
- Combined balance of all deposit accounts is $500 or more
- Primary owner is less than 13 years of age
- $5.00 Overdraft Transfer Fee - charged to the savings or loan where the funds were transferred from
- $25.00 stop payment fee (excluding Cashback Rewards Checking; see Ultimate Growth Checking for fee refunds based on Tier)
- FREE Notary services (contact us for availability)
- Varies – Coin Machine Usage
- Members: Free
- Non-Members: 10%, minimum $1
- $5.00 Check Disbursed Fee - for each Cashier’s Check
- $10.00 charge for copy of deposited item
- $10.00 one-time charge for failure to notify Citadel of change of address
- $50.00 Escheatment Fee
- $50.00/hour Research Fee (includes account reconciliation)
- $25.00 one-time Quick bag
- $50.00 Legal Process Fee5
- $5.00 Non-member check cashing fee
1 A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network.
2 When we agree to pay an item that overdraws your checking account, we will charge you a Courtesy Pay Fee. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
3 When we return an item unpaid that overdraws your account, we will charge you an NSF Fee.
4 We will limit the combined number of Courtesy Pay and NSF Fees charged on any one calendar day to 3.
5 A Legal Process Fee may be charged if we are served with a subpoena, restraining order, writ of execution, levy, garnishment or similar order affecting your account(s). Please refer to the LEGAL ACTIONS AFFECTING YOUR ACCOUNT section of the Membership Agreements and Disclosures for details.
Once you have overdrawn your account you will need to bring the account to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have had a negative balance for more than 60 days. In the case of represented transactions, we may charge a Courtesy Pay fee if the transaction is paid but may not charge an NSF fee if the transaction is returned unpaid. See the General Terms Applicable to All Accounts in the Membership Agreements and Disclosures for details on how we process overdraft items.
**Citadel Debit/ATM Card inquiry & withdrawal fees do not apply to Ultimate Growth Checking primary account owners less than 25 years of age. ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. Ultimate Growth Checking accounts may be eligible for surcharge refund based on Rewards Tier. See Deposit Rate Sheet for details on how rewards Tier is determined.
Business Banking Fees
ESSENTIAL BUSINESS CHECKING
- 200 FREE transactions each statement cycle*
- $0.25 per item fee over 200 (per statement cycle)
- 25% discount on first order of checks
ELITE BUSINESS CHECKING
- $15.00 Service Fee - Charged monthly, waived if one of the following criteria is met:
- Within 90 days of account opening
- Average daily checking balance is $5,000 or more
- $25,000 combined average daily balance in deposits and month end investment balances
- Merchant Services Enrollment with at least one merchant services deposit per month
- 500 FREE transactions each statement cycle1
- $0.25 per item fee over 500 (per statement cycle)
- 50% discount on first order of checks
BUSINESS MONEY MARKET
- $10.00 Service Fee - Charged monthly, waived if one of the following criteria is met:
- Within 90 days of account opening
- Average daily balance is $2,500 or more
- Maintain an Elite Business Checking account with Merchant Services Enrollment and at least one merchant services deposit per month
BUSINESS HIGH YIELD SAVINGS
- $25.00 withdrawal fee for each withdrawal or transfer (three free per calendar quarter, then $25.00 each)
BUSINESS STAR SAVINGS
- $5.00 service fee to close an account within 90 days of opening
CITADEL DEBIT/ATM CARD
- $10.00 lost debit/ATM card replacement (No fee to replace a stolen debit/ATM card)
- Expedited debit/ATM card replacement $30.00 domestic/$35.00 international
- 1.1% foreign transaction fee
CITADEL BUSINESS MASTERCARD®
- Up to $35.00 late payment
- Up to $25.00 returned payment
- Balance Transfer fee 5% of the amount transferred ($5.00 minimum)
- Cash advance fee of up to 5.0% of amount advanced ($10.00 minimum)
- $10.00 lost Mastercard® replacement fee (No fee to replace a stolen Mastercard®)
- Expedited credit card replacement fee $30.00 domestic/$35.00 international
- 1.1% foreign transaction fee (excluding World Mastercard®)
FOREIGN CHECK DEPOSITS
- $25.00 Canadian check deposits
- $35.00 for EU check deposits
- Varies – All other foreign check deposits ($10.00 plus Federal Reserve charge to Citadel)
- $15.00 returned item fee for Canadian checks
- $40.00 returned item fee for all other types of foreign checks
WIRE TRANSFERS
- $15.00 flat fee for any domestic wire executed through Business Online Banking
- $10.00 incoming domestic wire transfers
- $15.00 outgoing domestic wire transfers less than $2,500
- $30.00 outgoing domestic wire transfers of $2,500 or more
- $40.00 incoming foreign wire transfers
- $50.00 outgoing foreign wire transfers
GENERAL SERVICES
- $2.00 paper statement fee (waived for 60 days following account opening)
- $33.00 Courtesy Pay overdraft fee2,4
- $33.00 Non-sufficient funds (NSF) fee3,4
- $5.00 Inactivity Fee - Charged monthly to each savings, checking, and money market account if no activity on any Citadel account for one year. Waived if combined balance of all deposit accounts is $500 or more
- $5.00 overdraft transfer fee for each transfer from a linked savings or loan – the fee will be applied to the savings or loan
- $25.00 stop payment fee
- $15.00 Bill Payer next day check payment
- FREE Notary services (contact us for availability)
- Varies – Coin Machine Usage
- Members: Free
- Non-Members: 10%, minimum $1
- $5.00 Check Disbursed Fee - for each Cashier's Check
- $10.00 charge for copy of deposited item
- $10.00 one-time charge for failure to notify Citadel of change of address
- $50.00 Escheatment Fee
- $50.00/hour Research Fee (includes account reconciliation)
- $25.00 one-time Quick bag
- $50.00 Legal Process Fee5
- $5.00 Non-member check cashing fee
BUSINESS ONLINE BANKING
- FREE with user management and/or wire transfers (normal wire fees apply)
- $15.00 monthly fee with ACH origination
- $30.00 one-time ACH origination setup fee
REMOTE DEPOSIT CAPTURE
- $35.00 monthly flat fee (No setup fee)
PAYEE POSITIVE PAY
- $65.00 monthly flat fee (No setup fee)
1 Including checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits.
2 When we agree to pay an item that overdraws your checking account, we will charge you a Courtesy Pay Fee. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
3 When we return an item unpaid that overdraws your account, we will charge you an NSF Fee.
4 We will limit the combined number of Courtesy Pay and NSF Fees charged on any one calendar day to 3.
5 A Legal Process Fee may be charged if we are served with a subpoena, restraining order, writ of execution, levy, garnishment or similar order affecting your account(s). Please refer to the LEGAL ACTIONS AFFECTING YOUR ACCOUNT section of the Membership Agreements and Disclosures for details.
Once you have overdrawn your account you will need to bring the account to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have had a negative balance for more than 60 days. In the case of represented transactions, we may charge a Courtesy Pay fee if the transaction is paid but may not charge an NSF fee if the transaction is returned unpaid. See the General Terms Applicable to All Accounts in the Membership Agreements and Disclosures for details on how we process overdraft items.
