Superior Banking Since 1937

For more than 80 years, Citadel has steadily grown and offered stability to our members, community, and employees.

History of Stability

For more than 80 years, Citadel has steadily grown and offered stability to our members, community, and employees. As we continue to expand, we remain committed to providing the very best value to our members.

Our Story

Today, Citadel is a $4 billion financial institution, but our success didn’t happen overnight. Our humble beginnings took shape more than 80 years ago on the grounds of the Lukens Steel plant in Coatesville, Pennsylvania.

Citadel was founded by 13 Lukens Steel employees in 1937 as the Lukens Employee Federal Credit Union. At a time when banks were closing and the country was suffering from the Great Depression, we grew. As we provided financial support for the employees of Lukens Steel and their families, the employees of the steel mill were busy building the infrastructure of our country. Materials from Lukens Steel were used in the construction of iconic American symbols such as the Golden Gate Bridge and the World Trade Towers.

As the steel industry changed, we did as well. In 1986, we changed our name from Lukens Employee Federal Credit Union to Citadel, which means “fortress of strength.” A few years later, we expanded our charter to become a community-based credit union serving the residents of Chester County and the City of Lancaster, Pennsylvania.

Citadel continues to grow.

We may have started small, but we’re now one of the largest locally owned financial institutions in the Greater Philadelphia area.

In an industry riddled with mergers and acquisitions, Citadel continues to grow and prosper by operating in the best interest of our members. We have remained loyal to our members and have been stretching into new territories while still offering consistently great products and services to help our members save, borrow, and plan for the future.

Citadel Today

Today, Citadel Headquarters is located in Exton, Pennsylvania, and, as an organization, we have more than 435 employees. We currently have several branches serving more than 200,000 happy customers throughout Bucks, Chester, Delaware, Lancaster, Montgomery, and Philadelphia Counties.

As we continue to grow and prosper, we continue to advocate for our members and our community.

Locally run. Federally insured.

Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer by the NCUSIF (National Credit Union Share Insurance Fund). So, you can rest assured, knowing your deposits are safe and secure.

*Citadel is recognized as a Forbes 2021 Best-in-State Credit Union and in the top 1 percent for returning value nationwide in the 2021 Callahan & Associates Return to Member scoring.

Why Citadel?

We're different. Really.

Here are just a few of the things that set Citadel apart.

number 1 credit union for member value


in the nation For Member Value*

215,000+ Happy Members


Happy Members

4+ Billion in Assets


Billion in Assets

I originally joined the Credit Union in 1953, when it was Atlantic Refining Credit Union. I saw it change to Lukens Steel Credit Union and then Citadel. I have banked at many of the branches including Paoli and Thorndale. When we moved to Hatboro, I was pleased to find out a branch opened, right around the corner, in Warminster! I have found the representatives in all branches to be very friendly, knowledgeable, and efficient.

Marshall S.

Consistently High Rates on Certificates


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