Enjoy 2.85% on 30-mo certificate or 2.65% on 20-mo certificate!
Citadel Summer Certificate Special
Save Smarter with Citadel’s NEW High Rate Certificates
Earn more when you place your savings into a 14, 20 or 30-month certificate. Citadel certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a great way to earn more and reach your saving goal sooner.
Easy to Open in Online Banking!
Grow your savings faster with these special certificate rates!
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Frequently Asked Questions
Unless otherwise stated by Citadel, the Certificate will renew for the same term at the current rate for that term on that date. Following the maturity date, there is 10-day grace period during which you can make changes to the term or deposit amount of the Certificate without penalty.
You have several options to view the maturity date of your Citadel Certificate:
- Log in to Online Banking and select your Certificate to view the details
- Call the Customer Service Center at (800) 666-0191
- Email Us
- Visit a Citadel branch
In addition, Citadel will mail a reminder to you approximately two weeks prior to the maturity date.
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We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.
Multiple Certificates with different terms opened at that same time in order to get a higher tiered rates. This can be done by calling the Customer Service Center at (800) 666-0191 or visiting a Citadel branch.
Still have questions? Visit our help center.
*Agreements and Disclosures
Rates expressed as Annual Percentage Yield (APY); APY’s accurate as of . Minimum balance to open a Citadel certificate is $500. To earn the advertised APY, you must deposit and maintain daily balance of $75,000 or more. Additional promotional terms and rates available for certificates opened with balances of $500 – $74,999.99: 14 month certificate: 1.85% APY, 20 month certificate: 2.55% APY, 30 month certificate: 2.75% APY. Penalty for early withdrawal. Fees may reduce earnings. Upon maturity, the 14 month and 20 month promotional rate certificates will rollover to our standard 12 and 18 month certificates, respectively, and earn the corresponding APY’s offered at that time. The 30 month promotional certificate will rollover to a same term certificate product and earn the corresponding APY offered at that time. Offer may be withdrawn at any time. Not available for public funds. Federally insured by NCUA.