Citadel is aware of recent news regarding the collapse of two major U.S. banks, and we assure our members that we remain in a safe and sound financial position. Learn more about how your funds are protected.

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Exclusive Certificate Offer

Save more for your future with an 18-month certificate.

Lock in a Great Rate

Commonly referred to as CDs or Certificates of Deposit at other financial institutions, Citadel Certificates are a simple way to earn more and reach your savings goal sooner. Lock in a great rate on an 18-month certificate today. Open yours now with a minimum deposit of $500!*

Benefits of a Citadel Certificate:

  • Low-risk investment
  • Deposits are federally insured by the NCUA up to $250,000
  • Special bonus rate on deposits of $75,000 or more

Have questions about our certificates or certificate rates? Schedule an appointment today!

Certificate Rates

APY = Annual Percentage Yield. Read Full Disclosures.

Already a member? Open a certificate in Online Banking today!

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Why Choose Citadel?

forbes best-in-state credit union

Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper. We provide our members with all things banking, plus the educational resources and guidance to build and maintain financial security.

Here’s why you should join us:

single checkmark Better rates & low (or no!) fees
single checkmark No tricks or hidden selling tactics
single checkmark Personalized banking experiences, online & in-person
single checkmark Open to anyone who lives or spends time in Southeast PA
single checkmark All you need to do is open a $5 savings account to join

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*Certificates Disclosures

View *Certificates Disclosures

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 Offers may be modified or withdrawn at any time.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.

*Certificate Offer: Minimum deposit to open and earn standard APY of 3.65% is $500. Bonus APY of 3.70% APY is available on 18-Month certificate 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. Offer not available for public funds. Membership requirements apply.