Citadel Business Banking

Build financial strength for your business with a trusted advisor by your side.

Helping Your Business Succeed

At Citadel Credit Union, we strive to build a lasting financial partnership with your business. You can count on our business solutions to help maximize cash flow, navigate changes in your marketplace, and provide financial stability. We'll be there every step of the way to help your business succeed. Achieve your goals today with a trusted advisor by your side. To learn more, fill out the below form to contact a Relationship Manager today!

Merchant Services | Business Loans

Citadel Merchant Services, Provided by Clover

Business Banking 

Citadel has teamed up with Clover to help simplify your business operations with an all-in-one payment processing system and business management solution tailored to meet the unique needs of restaurants, retailers, and services businesses.

In addition to hundreds of business management applications and built-in reporting capabilities, Clover also offers numerous point-of-sale (POS) systems to fit your specific needs.

  • Accept more types of payments including EMV® chip cards, Apple Pay® and Samsung Pay®
  • Help protect your customers, business and reputation from fraud with built-in security
  • Help generate more visits and more sales through mobile loyalty and rewards programs
  • Uncover new insights and compare sales against competition within your market
  • Grow your business online and manage everything in one place
  • Manage inventory, employee schedules, payroll and more

Speak with a Citadel Relationship Manager to learn more today!

Business Loans

commercial lending

Commercial Mortgages

Citadel provides Commercial Mortgages for both owner-occupied commercial properties and non-owner-occupied investment properties.

Owner-Occupied Commercial Mortgages

Purchase or refinance an owner-occupied business property or expand or remodel an existing facility. Learn more!

  • Borrow up to $20,000,000
  • Loan terms up to 120 months
  • Fixed monthly principal and interest payments
  • Amortization up to 25 years

Investment Real Estate Mortgages

Purchase or refinance a non-owner-occupied commercial property. Learn More!

  • Borrow up to $20,000,000
  • Loan terms up to 120 months 
  • Fixed monthly principal and interest payments
  • Amortization up to 25 years

Equipment and Term Loans

Enjoy a variety of flexible ways to finance your business needs. Learn more!

  • Borrow up to $1,000,000
  • Get Fully-amortizing loan terms up to 84 months
  • Competitive fixed rates

Business Lines of Credit 

We offer lines of credit that give your business the flexibility to manage cash flow. Learn more!

Flexible access to cash to help you manage short-term working capital needs: 

  • Borrow up to $500,000 
  • Competitive variable rates
  • Monthly, interest-only payments allow you to withdraw when needed and reduce principal when funds are available

Business Vehicle Loans

No matter what your business is, you need reliable transportation. Learn more!

  • Competitive fixed rates
  • Fully-amortizing loan terms up to 84 months

Business Rewards Mastercard

For easy access to cash, take advantage of our Business Rewards credit card. Learn more! 

  • Earn rewards points
    • Get 30,000 Bonus Points when you spend $3,000 in the first 3 months*
    • 2 points per $1 for gas and office supply purchases*
    • 1.5 points for all other purchases*
  • Support short-term working capital needs
  • Manage seasonal cash flow
  • Purchase inventory
  • Provide cards to your employees
    • Through the ‘Card Control’ app, limit credit lines for each authorized user
  • View the full Mastercard Guide to Benefits for more information!

Schedule a complimentary consultation to discuss your goals and business needs or visit a branch near you.

Connect With Us

Please fill out the form below and a Citadel Relationship Manager will be in touch to discuss your options!

By providing your information below, you consent to our contact policy. Disclaimer: By providing your contact information, you consent to receiving calls and/or text (“SMS”) messages from us including those made by use of an automatic telephone dialing system (“ATDS”) about our relevant content, products and services. Standard messaging & data rates apply.

Hear From Our Members

Grow your business with Citadel!

Talk to Us

*Agreements and Disclosures

View *Agreements and Disclosures

All Citadel Business Services:

All products and services are subject to Citadel’s standard account requirements and agreements. Eligibility requirements and restrictions may apply. Information accurate as of and subject to change without notice. Fees and additional terms and conditions may apply. Fees may reduce earnings. 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.

Loan Products:

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. For Owner-Occupied Commercial Mortgages 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.

Business Rewards Mastercard:

Offer subject to credit approval. Applicant must be at least 18 years of age. All terms may be subject to change. See Terms and Conditions for additional details. 

30,000 New Account Bonus Points Award

Earn 30,000 bonus Rewards points (“bonus”) for purchases minus any credits or returns (“net purchases”) totaling $3,000 or more within the first 90 days of credit card open date (“promotional period”). Bonus offer for new credit lines only. Limit one new account bonus per credit line per promotional period. Net purchases on all cards linked to a credit line will be included in net purchase total calculation for bonus eligibility. Account must be active and in good standing at time of bonus posting. Credit line must be open for 90 days before bonus will be awarded. Bonus will be posted to primary card within 60 days of end of promotional period. Bonus offer may be modified or withdrawn at any time.

Standard Rewards Points

Earn 2 points for every $1 spent on gas and office supply category net purchases. Earn 1.5 points for every $1 spent on all other net purchases. For category bonus rewards, merchants are assigned a merchant category code by the merchant or its processor in accordance with Mastercard procedures based on the kinds of products and services the merchant primarily sells. Citadel does not control the assignment of these codes and is not responsible for the codes used by merchants. You may expect a purchase to earn rewards within a category, but if the code assigned to the merchant isn’t within that category, your purchase will not qualify for the bonus points. In addition, some purchases made through third-party accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology may not qualify in a rewards category, depending on how the technology is set up to process the purchase. For additional Citadel Business Rewards program details, please visit

Offers, rewards, and features may be modified or withdrawn at any time.

©2022 Clover Network LLC. The Clover name, logo and related trademarks are owned by Clover Network LLC., and are registered or used in the U.S. and many foreign countries. Merchant services are provided by are provided by Clover affiliate First Data Merchant Services LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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