A Simple, Free Business Savings Account

Be prepared for unplanned business expenses or save for future endeavors without monthly fees.

Business Savings Account

With no monthly fee and a competitive rate that gets better as your balance increases, Citadel’s Business Savings account is fundamental for every local business.

This account can be used for everyday savings purposes, and you can manage all activity using Citadel’s free online and mobile banking tools.

Additional Features

Star Savings–Member Account

Since Citadel is a not-for-profit, member-owned credit union, every member including business members must have a Star Savings account, which includes a $5 share. This is your “share” of the credit union and establishes you as a member-owner with access to all other benefits of credit union membership.

While this initial standard savings account is opened for all members, you may choose to use it as your primary savings and/or open additional Business Savings accounts as needed.

Business Savings Rates

Talk to our Business Banking experts about a custom savings 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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*Star Savings Account Disclosures

View *Star Savings Account Disclosures

Federally insured by NCUA.

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to open account and earn APY is $5.00. Fees may reduce earnings.

1 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.

2 Balance Requirement: After 60 days, the monthly service fee is waived if one of the following criteria is met:

  • Active Citadel checking account
  • Citadel Mastercard® with activity in the last 90 days
  • Combined household deposit balance of $1,500
  • Combined household deposit, investment and loan balance of $2,500
  • A loan balance greater than $0

3 Monthly Inactivity Fee: A $5.00 monthly inactivity fee will apply if there is no activity on any Citadel account for one year—this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.

Additional Information: During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party.