Earn More. Save Faster. Make an Impact Sooner.
Business High Yield Savings Account
Take advantage of a competitive, variable rate and reach your savings goal sooner with Citadel’s Business High Yield Savings account. You’ll earn more without tying up your funds for long, restrictive terms, and you can waive the $10 monthly service charge with a $10,000 average daily balance (or when linked to an Elite Business Checking with Merchant Services).
To open an account, you need:
- A minimum of $10,000 in new money
- An average daily balance of at least $10,000 to avoid a $10 monthly fee
Plus, you can continue to grow your balance with savings sweeps from your Elite Business Checking account, so your excess funds are automatically set aside without any extra effort from you or your team.
Connected Checking Accounts
Connect your Elite Checking account to your money market for regular savings sweeps.
Online Banking Tools
Manage your money 24/7 and increase your savings with mobile deposit or electronic transfer.
Merchant Services
Do more with Merchant Services and other cash management solutions.
Additional Features
- Multiple ways to avoid a monthly service charge1
- One free withdrawal or transfer per quarter2
- Savings sweeps from Elite Business Checking3
- No fees or surcharges at Citadel or non-Citadel ATMs4
- Online Banking with desktop Remote Deposit Capture available5
- Online wire transfers
- Free Citadel Mobile App with Mobile Deposit
- Free Citadel Investment Consultation
Business High Yield Savings Rate
APY = Annual Percentage Yield. Read Full Disclosures.
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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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Agreements and Disclosures
All standard account requirements apply. Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Fees may reduce earnings.
1 The monthly service fee is $10 per month. Fee is waived for 90 days from the account open date. Avoid the $10 monthly service fee by meeting one of the following requirements each statement cycle: Average daily balance is $10,000 or more and/or maintain an Elite Business Checking account with Merchant Services Enrollment and at least one merchant services deposit per month.
2 Transaction Limits: 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. One (1) free withdrawal or transfer per calendar quarter; $25 for each additional withdrawal or transfer during the same quarter.
3 Must be connected to an Elite Business Checking account and maintain minimum balance of $10,000 in the checking account.
4 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner. For a list of ATMs with no surcharge, visit Citadelbanking.com/atm.
5 Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.