Consistently Great Rates, Low Fees

Effective August 7th, Citadel’s fees will be updated on certain account types. Click below to learn more.

Great Rates, Low Fees

Select a product to view Rates & Fees:

All Citadel Fees

View All Citadel Fees

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. Fee does not apply to primary account owners less than 13 years of age.
  • —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.

Citadel FREE Checking

  • —$5.00 overdraft transfer

Citadel STAR Checking

  • —$7.00 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 $500.00 in your STAR Checking account or Maintain $10,000 in total combined household deposit, investment and loan balances
  • —$5.00 overdraft transfer (3 free per month then $5.00 each)

Citadel Premiere Checking

  • —$17.00 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 in your Premiere Checking account or Maintain $25,000 in total combined household deposit, investment and loan balances
  • —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
  • —$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.
  • —$5.00 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:Active Citadel checking account
  • —Citadel Mastercard® with activity in the last 90 days
  • —Combined household deposit balance of $1,500
  • —Combined household deposit, investment and loan balance of $2,500
  • —A loan balance greater than $0.00
  • —Monthly service fee does not apply to any account held by a member under age 21

CITADEL HIGH YIELD SAVINGS

  • —$10.00 monthly service fee—waived if average daily balance is $10,000 or more
  • —$25.00 withdrawal fee for each withdrawal or transfer (one 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.

CITADEL MONEY MARKET ACCOUNTS

  • —$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.

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 and FREE Checking only)
  • —$2.00 per ATM withdrawal at all non-Citadel ATM(Citadel STAR Savings and FREE 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

CITADEL BILL PAYER

  • —$15.00 next day check payment

CITADEL MASTERCARD®

  • —$25.00 late payment
  • —$25.00 returned payment
  • —Cash advance fee of 3.0% of amount advanced ($10.00 minimum, $100.00 maximum)
  • —$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
  • —$15.00 outgoing domestic wire transfers less than $2,500
  • —$30.00 outgoing domestic wire transfers greater than $2,500
  • —$40.00 incoming foreign wire transfers
  • —$50.00 outgoing foreign wire transfers

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

  • —$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)
  • —$90.00 vehicle lien recording
  • —$25.00 loan reapplication (within 90 days)
  • —$50.00 auto title change
  • —$125.00 lease purchase
  • —$30.00 lien renewal fee (if applicable)
  • —$10.00 lien release letter
  • —$50.00 loan signing by mail (consumer loans, if applicable)

GENERAL SERVICES

  • —$10.00 charge for copy of deposited item
  • —$10.00 one-time charge for failure to notify Citadel of change of address
  • —$5.00 per withdrawal check over one per day
  • —FREE Notary services (contact us for availability)
  • —$20.00 returned check
  • —$50.00/hour for account reconciliation or research
  • —$25.00 one-time Quick bag
  • —$50.00 IRS levy
  • —Varies – Writ of execution (based on attorney’s fees; minimum fee $500.00)
  • —$50.00 escheat fee
  • —Varies – Non-member coin machine usage (5% of total coin amount)
  • —$5.00 VISA® gift card fee
  • —$25.00 stop payment fee
  • —$33.00 Non-sufficient funds (NSF)/Uncollected funds (UCF) fee
  • —$33.00 Courtesy Pay overdraft protection fee
  • —$2.00 paper statement fee (excludes ages under 21 and 70+)
  • —$5.00 Non-member check cashing fee