Next Steps for Your Maturing Certificate

Now that your Citadel Certificate is about to mature, you have some options for continuing to grow your savings. If you're considering another Certificate, check out our current rates and terms to find the right fit. Or, for more flexible access to your funds, consider moving your money into a High Yield Savings Account.

What You'll Love About a High Yield Savings Account:

• Competitive, variable rate when you maintain a balance of $5,000 or more, and an even better rate with a balance of $10,000 or more.² See current rates here
• Extra rate boost when you add an Ultimate Growth Checking Account, depending upon your checking tier³
• Three free withdrawal per calendar quarter – there’s a $25 fee for additional withdrawals or transfers during the same quarter¹
• Deposits are federally insured by the NCUA up to $250,000 per member
• Easily add funds to your account using mobile deposit or transfers in Online Banking, or at any local branch

Ways to Open a High Yield Savings Account:

• Open a High Yield Savings in Online Banking
• Schedule an appointment with a representative
• Contact our Member Care team at (800) 666-0191 or through Video Connect
• Visit one of our branches

Offers are subject to credit approval. APY = Annual Percentage Yield. Read Full Disclosures.

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).

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 We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.

¹ Transaction Limitations: Three (3) free withdrawals or transfers per calendar quarter; $25 for each additional withdrawal or transfer during the same quarter.

² Minimum Balance Requirements: You must maintain a daily balance of at least $5,000.00 in Your Account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements.

³ High Yield Savings: Minimum balance to earn APY is $5,000. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements. Fees may reduce earnings. HYS rates are variable and may change after account opening. Three (3) free withdrawals or transfers per calendar quarter, $25 for each additional withdrawal or transfer during the same quarter.