Your Savings Look Brighter with a Citadel Certificate

For a limited time, enjoy 3.10%* APY on a 48-month certificate or a 3.00%* APY on a 30-month certificate! Minimum balance requirements apply.

Earn More with a Citadel Certificate

Save Smarter with Citadel’s NEW High Rate Certificates

Earn more when you place your savings into a 30 or 48-month Citadel certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a great way to earn more and reach your saving goal sooner. 

Easy to Open in Online Banking!

Current customers can open a Certificate right from Online Banking. Simply log in, select 'Open An Account' from the main menu, and follow the steps to open and fund your new certificate.

Grow your savings faster with these special certificate rates!

View All Certificate Rates

Earn More on Deposits of $75,000 or more.

Start Building Your Savings Today!

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Frequently Asked Questions

What happens to my Certificate on its maturity date?

Unless otherwise stated by Citadel, the Certificate will renew for the same term at the current rate for that term on that date. Following the maturity date, there is 10-day grace period during which you can make changes to the term or deposit amount of the Certificate without penalty.

How do I find the maturity date of my Citadel Certificate?

You have several options to view the maturity date of your Citadel Certificate:

In addition, Citadel will mail a reminder to you approximately two weeks prior to the maturity date.

What happens if I withdraw the funds of a Certificate before the maturity date?

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We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.


What are “laddered” Certificates?

Multiple Certificates with different terms opened at that same time in order to get a higher tiered rates. This can be done by calling the Customer Service Center at (800) 666-0191 or visiting a Citadel branch.

Still have questions? Visit our help center.

*Agreements and Disclosures

View *Agreements and Disclosures

Rates expressed as Annual Percentage Yield (APY); APY’s accurate as of . Minimum balance to open a Citadel standard certificate is $500. Minimum balance to open and earn the advertised APY is $75,000.  Penalty for early withdrawal. Fees may reduce earnings. Offer may be withdrawn at any time. Not available for public funds. Federally insured by NCUA.