Flexible Rates & Terms on Citadel Business Certificates

Also known as a Certificate of Deposit or CD, a Business Certificate from Citadel can help you save over time to build a solid, long-term foundation for your business.

Business Certificates

To start building a solid, long-term foundation for your business, consider our Business Certificate. Also known as a Certificate of Deposit or CD, a Business Certificate from Citadel is flexible to your specific needs with a variety of terms and fixed rates of return.

Get started with a $500 minimum, or take advantage of even better rates on large deposits of $75,000 or more. Once the certificate matures, you can renew it or access your original investment along with the return it earned.

*APY = Annual Percentage Yield. Read Full Disclosures.

Additional Features

Business Certificate Rates

Build a better saving and spending plan for your business.

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Citadel is committed to helping you protect your hard-earned money. All deposits are federally insured up to $250,000 or more per customer.

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*Certificate Disclosures

View *Certificate Disclosures

Federally insured by NCUA.

1Citadel 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.

Additional Information: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. 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 We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.

Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.