Congratulations, your auto loan is paid off!

Find out your next steps and learn more about Citadel membership and our $3003 checking bonus!

Thank You For Financing Your Auto Loan with Citadel

We’d like to let you know what to expect next and how you can continue to take advantage of your Citadel Credit Union membership.

About Your Title

When trading in your car, the title will go directly to the dealership. Otherwise, you will receive your title from the DMV in the state of issue within 4-6 weeks of paying off your loan. If you don’t receive it in that time frame, please contact us at

Be Sure to Cancel Any Automatic Payments

Payments set up with Citadel
  • If you’ve scheduled recurring transfers in Online & Mobile Banking from a checking account to your loan, select ‘Transfers’ then ‘Scheduled Transfers’ and delete the recurring payment. If not, the transfer will stop automatically once the loan is paid off and no longer available in your accounts list.
  • If you’ve set up a bill payment under ‘Pay My Bills’, select ‘Delete Payment’ in the menu for the next scheduled payment. If you don’t delete this recurrence, your payment will continue to be withdrawn regularly.
Payments set up with another bank or credit union
  • If you have automatic payments set up with a financial institution other than Citadel, be sure to contact them and have all future payments canceled for your Citadel auto loan.  If we do receive a payment after the loan is paid, we will deposit the funds into your Citadel savings account. 

GAP and Extended Warranties

Please check the details of your GAP policy or warranty if applicable to see what coverages are still in effect and if you are entitled to a refund for unused funds.

Your Savings Account Will Remain Open

When you purchased your car, your membership was activated with a $5 deposit made by Citadel to a savings account.1 To allow you time to review all of our products and services, your membership and savings account will remain open for 12 months. Review your savings account balance in Online & Mobile Banking

Please note - Your savings account may be subject to an inactivity fee or monthly service fee.2 Learn more.

Making the Most of Your Citadel Membership

When your auto loan and savings account were initiated, you became a member of Citadel Credit Union with access to many benefits. Build on your membership by adding Citadel’s Cash Rewards Mastercard or Free Checking! You can open online, or we will be more than happy to provide personal assistance through Video Connect. We encourage you to take advantage of our full suite of financial products, including:

Get $3003 On Us

At Citadel Credit Union, our goal is to help you build financial strength. That’s why we’re offering a $3003 bonus when you open any new checking account and use promo code AUTOMEMBER300. Open now!

Here's how to get your $300 bonus:



Ready for your next car? Get Pre-Approved!

Apply now

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*All standard account requirements apply. Information accurate as of and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.

If you are not currently a customer, Citadel will open a savings account in your name upon approval and fund it with a $5 initial deposit. This savings account will give you access to a variety of Citadel’s products and services.

2Monthly Inactivity Fee: 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.

3$300 New Account Cash Bonus (Cashback Rewards and Free Checking Accounts)

Open a new checking account and earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income.

Promotional code must be applied at the time of account opening to receive the incentive offer(s), given all requirements above are met. Checking account must be open for 60 days before checking bonus will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel Checking Account if the account is in good standing at time of incentive processing. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state or local taxes on this offer.

New Account Cash Bonus offer available to qualified new checking customers only. Customer must not have closed a Citadel Checking Account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer. New Account Cash Bonus offer expires August 31, 2024 and may be modified or withdrawn at any time.