Earn More With a High Yield Savings Account at 3.75% APY1
High Yield Savings Account
APY = Annual Percentage Yield. Read Full Disclosures.
Earn more than 10x the national average rate and reach your savings goal faster with Citadel's High Yield Savings Account. With a High Yield Savings, you'll benefit from a great rate without tying up your money for long terms, and opening the account is easy. Just maintain a balance of $10,000 or more to earn interest.3
It's easy to open an account:
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Why Choose Citadel?
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:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
Your first withdrawal or transfer per calendar quarter is free, each additional withdrawal or transfer during the same quarter will incur a $25 fee.4
Save with Security:
Citadel’s High Yield Savings Account deposits are federally insured by NCUA up to $250,000 per member.
High Yield Savings Rate
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Frequently Asked Questions
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*High Yield Savings Disclosures
1Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is $10,000. Fees may reduce earnings. A $5.00 monthly inactivity fee will apply if there is no activity on any Citadel account for one year—this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.
2The National Average is based on the APY of savings accounts with a minimum balance of at least $2,500 offered by active credit unions as reported by the NCUA from S&P Global Intelligence databases. National Average rate effective as of 12/30/2022.
3Minimum Balance Requirements. You must maintain a daily balance of at least $10,000.00 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.
4Transaction 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.