Earn More With a High Yield Savings Account at 4.15% APY1

Enjoy today while you save for tomorrow.

High Yield Savings Account

APY = Annual Percentage Yield. Read Full Disclosures.

Earn more than 10X the national average rate2 and reach your savings goals faster with Citadel's High Yield Savings Account. You'll benefit from a great rate without tying up your money for long terms, and opening an account is easy. Just maintain a balance of $10,000 or more to earn interest.3 

It's easy to open an account:

Current Members - Open in Online Banking | New to Citadel? Open Online Here

Additional Features

Withdrawing Funds:

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:

Deposits to a High Yield Savings Account from Citadel are federally insured by NCUA up to $250,000 per member.

Join Citadel and start saving!

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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. HYS rates are variable and may change after account opening. 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 3/29/2024.

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.