The Benefits of a Credit Union

Besides great rates and personalized customer service, there are many things that make banking with a credit union better than a traditional bank.

Why “Not-for-Profit” Matters

When it comes to banking with Citadel, there are many reasons why being not-for-profit makes us better than a commercial bank.

Like a Bank, But Better

Citadel is a credit union, so, by design, we’re a not-for-profit banking institution. Instead of serving a group of stockholders, our main focus is providing value to you, our members, and the community.

Credit unions are owned by their members. Money stays within the institution and is given back to the members in the form of lower loan rates and higher savings rates. With this framework, Citadel supports economic growth within the community.

There are many advantages of banking with Citadel.

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Why Citadel?

We're different. Really.

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



in Pennsylvania For Customer Value



Happy Customers



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


Branch Locations