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. Open now!

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

  • No monthly fees1
  • No minimum balance or activity requirements2
  • Account Alerts for fraud, spending limits, and more
  • No fees or surcharges at Citadel or non-Citadel ATMs3
  • Online Banking with Business Remote Deposit Capture available4
  • Free Citadel Mobile App with Mobile Deposit
  • Free Citadel Investment Consultation

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

Apply Online

APY = Annual Percentage Yield. Read Full Disclosures.

Opening a Business Savings Account is simple! Get started today.

Apply Now


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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Find an ATM or Branch Near You

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 $5 service fee to close an account within 90 days from account open date.

2 The monthly service fee is $5 per month. Fee is waived for 90 days from the account open date. Avoid the $5 monthly service fee by meeting one of the following requirements each statement cycle: Active Citadel checking account; Citadel Mastercard with activity in the last 90 days; combined relationship deposit balance of $1,500; combined relationship deposit, investment and loan balance of $2,500 or more; and/or a loan balance greater than $0.

3 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.

4 Enrollment requires a separate purchase of a scanner - see Business Banking representative for details.