Exclusive Member Offers
Special Offer for Maturing Certificates
Thank you for being a valued member! Check out these exclusive offers just for members with maturing certificates as we continue to build your financial strength.
Limited Time Offer: 0.75% on a 32-Month Certificate
To show our appreciation of your member loyalty, we are offering you an exclusive rate on a 32-month certificate of 0.75% APY, with as a minimum of $500. Plus, earn 0.80% APY with any amount over $75,000.1 Fill out the below form to get started!
Features & Benefits
- Member-exclusive offer with a competitive rate and special term
- Deposits are federally insured by the NCUA up to $250,000 per member
- Rolls over to a 30-month certificate at end of term
- Special bonus rate on deposits of $75,000+
What You Need
✔ Minimum of $500
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 to get started!
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.2
- 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 $10,000.3
✔ Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).4
Ways to Open a 32-Month Certificate or High Yield Savings
- Complete this form to start the process.
- Schedule an appointment with a representative.
- Contact our Member Care team at (800) 666-0191 or through Video Connect.
- Visit one of our branches
*APY = Annual Percentage Yield. Read Full Disclosures.
High Yield Savings Rate
Introducing Citadel Video Connect
Chat face-to-face with a Citadel Video Specialist in a secure environment from the comfort of home on your laptop, desktop computer, or mobile device using the Citadel Video Connect app. Please be sure to have your photo ID ready prior to beginning the call. Choose Video Connect above, or learn more about our Video Banking options.
At Citadel, we have an array of products to meet your savings goals.Explore Products
Find an ATM or Branch Near You
*Agreements and Disclosures
Federally insured by NCUA.
Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Limited time offer which may be modified or withdrawn at any time. Fees may reduce earnings.
1 Certificate Offer: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this account after it is established. Your account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to your account. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
2 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.
3 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 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.
4 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.