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 TitlesAdministration@CitadelBanking.com.

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 If you don’t delete this recurrence, your payment will continue to be withdrawn regularly.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:

• Citadel Checking
• Teen Debit Accounts
• Low-Rate Credit Cards
• High-Rate Certificates
• Personal Loans
• Student Loans
• Mortgages
• IRAs
• Home Equity Loans

^*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.

¹ 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.