The Wait is Over
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.
High Yield Savings Account
We've waived the new money requirement on our High Yield Savings Account, so you can transfer the funds from your Certificate directly to a High Yield Savings and take advantage of continuous high returns and flexible access to your money – if and when you need it. Fill out the form below or schedule an appointment to open an account today!
Features & Benefits
- A competitive, variable rate
- One free withdrawal per calendar quarter – there’s a $25 fee for additional withdrawals or transfers during the same quarter.***
- Deposits are federally insured by the NCUA up to $250,000 per member.
- Easily add funds to your account using mobile deposit, electronic transfer, or at any local branch.
What You Need
✔ A minimum of $10,000.*
✔ Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).**
Ways to Open a High Yield Savings Account
- Complete this form to receive details on opening a High Yield Savings account.
- 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.
High Yield Savings Rate
Introducing Citadel Video Connect
We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.
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*Agreements and Disclosures
Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).
$10,000 minimum opening deposit.
Average Daily Balance Requirement of $10,000 to earn APY and avoid a $10 monthly fee. Variable rate accurate as of 05/06/2021 and subject to change. Not available as an IRA investment option or for public funds. Fees may reduce earnings on the account.
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.
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.