Due to industry-wide card production delays, there are longer than normal wait times for mailed debit/credit cards. New debit cards can be instantly issued in our branches. We apologize for any inconvenience as we work to ensure the issue is permanently resolved.

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Certificate Special

Save faster with a great rate on a 20-Month or 30-Month Certificate.

Lock in a Special Rate With a 20-Month or 30-Month Certificate

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 special, new rate of 4.25% APY* with a 20-Month Certificate or 4.50% APY* with a 30-Month Certificate. 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

Transferring funds to Citadel has never been easier. Simply video chat, schedule an appointment, call us at (800) 666-0191 or visit any of our branch locations.

*APY = Annual Percentage Yield. Read Full Disclosures. 

Certificate Specials

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Current 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 Offers may be modified or withdrawn at any time.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 is $500. Bonus APY is 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. Offer not available for public funds. Membership requirements apply.