Exclusive Member Offer

Your certificate of deposit is maturing. Enjoy this special offer built for you.

Special Offer for Maturing Certificates

Thank you for being a valued member! Check out this exclusive offer just for members with maturing Certificates as we continue to build your financial strength.

High Yield Savings Offer

We appreciate your membership. That's why for a limited time, we are waiving the new money requirement on our High Yield Savings Account for you. Take advantage of continuous high returns and flexible access to your money – if and when you need it. Fill out the below form 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

*Offers are subject to credit approval. APY = Annual Percentage Yield. Read Full Disclosures.

High Yield Savings Rate

0.50%APY
High Yield Savings Account
$10,000+

High Yield Savings Request

Let us help you reach your savings goal faster and securely! Earn more on your savings, and reach your savings goal faster and securely! Citadel's High Yield Savings Account gives you a competitive, variable APY.

With a High Yield Savings Account, you’ll enjoy a high rate without tying up your money for long terms.


video connect

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.

connect now

Citadel is ranked among the top 1% of credit unions nationwide for returning value to members.

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*Agreements and Disclosures

View *Agreements and Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).

*Balance Requirements:

$10,000 minimum opening deposit. This minimum opening deposit must come from funds not currently on deposit at Citadel or funds in maturing certificates.

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. Variable rate floor is equal to the Prime Rate as listed in the Wall Street Journal less 3.75% and will be adjusted within 5 business days of any change to that rate. Not available as an IRA investment option or for public funds. Fees may reduce earnings on the account.

**Monthly Inactivity:

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.

***Transaction Limitations:

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.