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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
3.80% APY
$10,000+
6 Month Certificate
4.20% APY
6 Months
$500 Min.
12 Month Certificate
4.20% APY
12 Months
$500 Min.
New Auto - Up to 66 Months
AS LOW AS
6.19% APR
Model Year 2023+
Up to 66 Months
10 Year Refinance Rate
AS LOW AS
6.000% RATE
6.064% APR
10 Year
fixed rate
0 Points
7 Year Home Equity
AS LOW AS
7.140% RATE
7.184% APR
7 Years
fixed rate*
Auto, Motorcycle & Personal Loans
Auto Loan Rates
AS LOW AS
6.19% APR
New Auto - Up to 66 MonthsModel Year 2023+
Up to 66 Months
AS LOW AS
6.24% APR
New - Up to 75 MonthsModel Year 2023+
Up to 75 Months
AS LOW AS
6.69% APR
New - Up to 84 MonthsModel Year 2023+
Up to 84 Months
AS LOW AS
6.29% APR
Used - Up to 66 MonthsModel Years 2020-2023
Up to 66 Months
AS LOW AS
6.34% APR
Used - Up to 75 MonthsModel Years 2020-2022
Up to 75 Months
AS LOW AS
6.49% APR
Used - Up to 66 MonthsModel Years 2016-2019
Up to 66 Months
AS LOW AS
6.74% APR
Used - Up to 84 MonthsModel Years 2020-2022
Up to 84 Months
AS LOW AS
6.99% APR
Used - Up to 75 MonthsModel Years 2016-2019
Up to 75 Months
AS LOW AS
9.49% APR
Used - Up to 60 MonthsModel Years 2014-2015
Up to 60 Months
AS LOW AS
13.49% APR
Used - Up to 60 MonthsModel Years 2008-2013
Up to 60 Months
AS LOW AS
8.19% APR
New Motorcycle LoanModel year 2023+
New Motorcycle - Up to 66 Months
AS LOW AS
8.29% APR
Used Motorcycle LoanModel Years 2020-2023
Up to 66 Months
AS LOW AS
8.49% APR
Used Motorcycle LoanModel Years 2016-2019
Up to 66 Months
AS LOW AS
11.49% APR
Used Motorcycle LoanModel Years 2014-2015
Up to 60 Months
AS LOW AS
15.49% APR
Used Motorcycle LoanModel Years 2008-2013
up to 60 Months
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
13.24% 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
AS HIGH AS
0.05% APY
Elite Business Checking$5,000-$9,999.99
AS HIGH AS
0.30% APY
Elite Business Checking$10,000+
AS HIGH AS
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
AS HIGH AS
3.80% APY
Business High Yield Savings$10,000+
BUSINESS HIGH YIELD SAVINGS
- $25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)
Business Real Estate Loans
Owner-Occupied Commercial Mortgages
AS LOW AS
6.90% APR
10 Year Fixed10 Year Term - Up to 25 Years Amortization
Loan Range: $1,000,000 - $20,000,000
AS LOW AS
7.20% APR
10 Year Fixed10 Year Term - Up to 25 Years Amortization
Loan Range: $50,000 - $999,999
AS LOW AS
6.80% APR
7 Year Fixed7 Year Term - Up to 25 Years Amortization
Loan Range: $1,000,000 - $20,000,000
AS LOW AS
7.10% APR
7 Year Fixed7 Year Term - Up to 25 Years Amortization
Loan Range: $50,000 - $999,999
AS LOW AS
6.70% APR
5 Year Fixed5 Year Term - Up to 25 Years Amortization
Loan Range: $1,000,000 - $20,000,000
AS LOW AS
6.95% APR
5 Year Fixed5 Year Term - Up to 25 Years Amortization
Loan Range: $50,000 - $999,999
Owner-Occupied Commercial Mortgage Fees:
* Rates expressed as Annual Percentage Rate (APR). Rates are accurate as of and are subject to change without notice.
Offer subject to receipt of a complete Citadel application, credit approval and other conditions. Terms offered are available for business purpose loans only with adequate property valuation (maximum LTV of 80%) and first mortgage position required. Loans may be subject to commitment and documentation fees, as applicable. Other terms, conditions, fees and restrictions may apply.
The mortgaged property must be at least 51% owner-occupied for commercial use. Offer not available to applicants with an existing Citadel commercial mortgage. Property insurance is required. Flood and/or title insurance may be required at an additional expense to the borrower. An appraisal will be required at the borrower’s expense for loans exceeding $250,000. To qualify, applicant must be in business for a minimum of three years.
Unless otherwise specified all advertised offers, terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact a Citadel representative for details.
Business Savings Rates
Business Money Market
AS HIGH AS
0.45% APY
Business Money Market$2,500 - $24,999.99
AS HIGH AS
0.50% APY
Business Money Market$25,000 - $74,999.99
AS HIGH AS
0.55% APY
Business Money Market$75,000 - $249,999.99
AS HIGH AS
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
AS HIGH AS
0.05% APY
Business Savings$5 - $24,999.99
AS HIGH AS
0.10% APY
Business Savings$25,000+
AS HIGH AS
0.10% APY
Business Star Savings$5.00 - $2,499
AS HIGH AS
0.15% APY
Business Star Savings$2,500 - $24,999.99
AS HIGH AS
0.25% APY
Business Star Savings$25,000 - $74,999.99
AS HIGH AS
0.30% APY
Business Star Savings$75,000+
BUSINESS STAR SAVINGS
- $5.00 service fee to close an account within 90 days of opening
- $5.00 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:
- Active Citadel checking account
- Citadel Mastercard® with activity in the last 90 days
- Combined relationship deposit balance of $1,500
- Combined relationship deposit, investment and loan balance of $2,500
- A loan balance greater than $0.00
- 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
3.50% APY
3 Month Certificate3 Months
$500 Min.
4.20% APY
6 Month Certificate6 Months
$500 Min.
4.20% APY
12 Month Certificate12 Months
$500 Min.
4.00% APY
18 Month Certificate18 Months
$500 Min.
4.00% APY
24 Month Certificate24 Months
$500 Min.
4.00% APY
30 Month Certificate30 Months
$500 Min.
3.95% APY
36 Month Certificate36 Months
$500 Min.
3.85% APY
48 Month Certificate48 Months
$500 Min.
3.75% APY
60 Month Certificate60 Months
$500 Min.
3.65% APY
84 Month Certificate84 Months
$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
3.55% APY
3 Month Bonus Certificate3 Months
$75,000+
4.25% APY
6 Month Bonus Certificate6 Months
$75,000+
4.25% APY
12 Month Bonus Certificate12 Months
$75,000+
4.05% APY
18 Month Bonus Certificate18 Months
$75,000+
4.05% APY
24 Month Bonus Certificate24 Months
$75,000+
4.05% APY
30 Month Bonus Certificate30 Months
$75,000+
4.00% APY
36 Month Bonus Certificate36 Months
$75,000+
3.90% APY
48 Month Bonus Certificate48 Months
$75,000+
3.80% APY
60 Month Bonus Certificate60 Months
$75,000+
3.70% APY
84 Month Bonus Certificate84 Months
$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
AS HIGH AS
0.05% APY
Cashback Rewards Checking$5,000+
AS HIGH AS
0.00% APY
Free Checking Account$0.00
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
15.74% APR
Cash Rewards Mastercardvariable APR
AS LOW AS
15.74% APR
Business Rewards Mastercardvariable APR
AS LOW AS
11.74% APR
Choice Mastercardvariable APR
AS LOW AS
14.74% 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)
- $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
3.80% APY
High Yield Savings Account$10,000+
CITADEL HIGH YIELD SAVINGS
- $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.
- Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.
IRA Money Markets
IRA Money Markets
AS HIGH AS
0.45% APY
IRA Money Market$2,500 Min.
AS HIGH AS
0.50% APY
IRA Money Market$25,000 Min.
AS HIGH AS
0.55% APY
IRA Money Market$75,000 Min.
AS HIGH AS
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
6.000% RATE
6.043% APR
15 Year Purchase Rate15 Years
fixed rate
0 points
AS LOW AS
6.375% RATE
6.408% APR
20 Year Purchase Rate20 Years
fixed rate
0 points
AS LOW AS
6.500% RATE
6.522% 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
6.000% RATE
6.043% APR
15 Year Refinance Rate15 Year
fixed rate
0 Points
AS LOW AS
6.375% RATE
6.408% APR
20 Year Refinance Rate20 Year
fixed rate
0 Points
AS LOW AS
6.500% RATE
6.522% 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
6.250% RATE
6.250% APR
15 Year Easy Refinance Rate15 Year
fixed rate
0 Points
AS LOW AS
6.750% RATE
6.783% APR
20 Year Easy Refinance Rate20 Year
fixed rate
0 Points
AS LOW AS
6.750% RATE
6.897% APR
30 Year Easy Refinance Rate30 Year
fixed rate
0 Points
AS LOW AS
6.375% RATE
6.397% APR
7/6 Year ARM7 Year ARM
variable rate
0 points
AS LOW AS
6.500% RATE
6.522% 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
7.75% APR
Interest-Only HELOC6 Month Intro Term
variable
AS LOW AS
7.140% RATE
7.184% APR
7 Year Home Equity7 Years
fixed rate*
AS LOW AS
7.140% RATE
7.184% APR
10 Year Home Equity10 Years
fixed rate*
AS LOW AS
7.390% RATE
7.411% APR
15 Year Home Equity15 Year
fixed rate*
AS LOW AS
7.940% RATE
7.957% 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
AS HIGH AS
0.10% APY
Star Savings$5.00 - $2,499
AS HIGH AS
0.15% APY
Star Savings$2,500 - $24,999.99
AS HIGH AS
0.25% APY
Star Savings$25,000 - $74,999.99
AS HIGH AS
0.30% APY
Star Savings$75,000+
AS HIGH AS
0.10% APY
Kids Club$5.00 - $2,499
AS HIGH AS
0.20% APY
Kids Club$2,500 - $24,999.99
AS HIGH AS
0.25% APY
Kids Club$25,000 - $74,999.99
AS HIGH AS
0.30% APY
Kids Club$75,000+
AS HIGH AS
0.10% APY
Holiday ClubNo Minimum Required
AS HIGH AS
0.10% APY
Auxiliary Savings$5 - $2,499.99
AS HIGH AS
0.15% APY
Auxiliary Savings$2,500 - $24,999.99
AS HIGH AS
0.25% APY
AUXILIARY SAVINGS$25,000 - $74,999.99
AS HIGH AS
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.
- $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 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.
Money Market Account Rates
AS HIGH AS
0.45% APY
Money Market$2,500 - $24,999.99
AS HIGH AS
0.50% APY
Money Market$25,000 - $74,999.99
AS HIGH AS
0.55% APY
Money Market$75,000 - $249,999.99
AS HIGH AS
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
Why Choose Citadel?
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
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.
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 deposit1 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
Citadel Star Checking (no longer offered for new accounts)
- $7.00 monthly service fee – waived if one of the following criteria is met. Maintain an average daily balance of $500 in your STAR Checking account or maintain $10,000 in total combined household deposit, investment, and loan balances.
- $5.00 overdraft transfer from your savings or loan account (3 free per month then $5.00 each)
Citadel Premiere Checking (no longer offered for new accounts)
- $17.00 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.
CITADEL SAVINGS ACCOUNTS
- $5.00 service fee to close an account within 90 days of opening
- $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 primary account owners less than 21 years of age.
CITADEL HIGH YIELD SAVINGS
- $25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)
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
- Monthly service fee does not apply to primary account owners 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 and Free Checking only)
- $3.00 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®
- 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)
- $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 of $2,500 or more
- $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
- $2.75 for one-time online payment
- $2.95 for self-pay by phone
- $5.50 for pay by phone with a representative
- 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)
GENERAL SERVICES
- $5.00 monthly inactivity fee applied 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. Fee does not apply to primary account owners less than 13 years of age.
- $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)
- $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 – Coin Machine Usage
Members: Free
Non-Members: 10%, minimum $1 - $25.00 stop payment fee (excluding Cashback Rewards Checking)
- $33.00 Non-sufficient funds (NSF)3,4
- $33.00 Courtesy Pay overdraft protection fee2,4
- $2.00 paper statement fee (waived for 60 days following account opening; after 60 days waived for members under age 21 and 70+)
- $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 5.
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. When making the decision to pay or return an item and charge a fee, we treat each
original presentment and representment as an individual transaction. See the General Terms Applicable to All Accounts in the Membership Agreements and
Disclosures for details on how we process overdraft items.
Business Banking Fees
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
- $33.00 Courtesy Pay overdraft protection fee1,3
- $33.00 Non-sufficient funds (NSF) 2,3
- $5.00 monthly inactivity fee applied 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 protection transfer from savings
- $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 per withdrawal check over one per day
- $10.00 charge for copy of deposited item
- $10.00 one-time charge for failure to notify Citadel of change of address
- $50.00 escheat fee
- $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)
- $5.00 Non-member check cashing fee
BUSINESS ONLINE BANKING
- $15.00 monthly fee with ACH origination
- $30.00 one-time ACH origination setup fee
1 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.
2 When we return an item unpaid that overdraws your account, we will charge you an NSF Fee.
3 We will limit the combined number of Courtesy Pay and NSF Fees charged on any one calendar day to 5.
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. When making the decision to pay or return an item and charge a fee, we treat each
original presentment and representment as an individual transaction. See the General Terms Applicable to All Accounts in the Membership Agreements and
Disclosures for details on how we process overdraft items.
