Voted Best Credit Union in Montgomery County Three Years in a Row!

Join the Celebration

Citadel is proud to announce that we were voted Best Credit Union in Montgomery County for the third year in a row! This ranking appears on the Montco Happening List for 2024 and celebrates the area's most beloved businesses, people, events, and organizations. We're extremely proud to be voted Best Credit Union again and want to thank our members and the public for this recognition, as our community is at the core of everything we do.

How We’re Celebrating: $300 Bonus for You

When you join the Best Credit Union in Montgomery County, you can get a $300 bonus with any new checking account!¹ Choose from two different accounts to find your best fit – our Free Checking or Cashback Rewards Checking – and use promo code MONTCO24.

It's easy to get your $300! Here's how:

1. Open a new checking account online or in any branch using promo code MONTCO24
2. Receive qualifying direct deposit(s) totaling $500 or more within 60 days of account opening
3. Once your account's been open for 60 days, get ready for your bonus to be deposited.

Cashback Rewards Checking:

✔ 1% cash back on purchases
✔ Earn up to $120 in cash back²
✔ Contactless payments & mobile wallets

Free Checking:

✔ No minimum balance or monthly fee³
✔ Courtesy Pay & mobile deposits
✔ Contactless payments & mobile wallets

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 Offers may be modified or withdrawn at any time.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. All rates expressed as Annual Percentage Yield (APY).

¹ $300 New Account Cash Bonus (Cashback Rewards and Free Checking Account): Open a new checking account and earn a $300 cash bonus deposit for qualifying direct deposit(s) totaling $500 or more posting to the new checking account within 60 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network. Checking account must be open for 60 days before $300 checking bonus will be awarded. Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at time of incentive processing.

Promotional code must be applied at the time of account opening to receive the incentive offer(s), given all requirements above are met. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes on this offer.

New account cash bonus offer available to qualified new checking customers only. Customer must not have closed a Citadel checking account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per household per lifetime. Offer may not be combined with any other new account offer. Offer not available for business accounts. New account cash bonus offer expires September 30, 2024 and may be modified or withdrawn at any time.

Cashback Rewards Checking Account may earn as high as 0.05% Annual Percentage Yield (APY). Minimum daily balance to earn APY is $5,000.

² Earn up to an Additional $120 with Citadel’s Cashback Rewards Checking: To earn Cashback Rewards and avoid $10 monthly service fee, one of the following criteria must be met: Receive monthly qualifying direct deposit(s), as previously defined, totaling $1,000 or more OR maintain average daily balance of $5,000 in your Cashback Rewards Checking account. Account must be active and in good standing in order to receive Cashback Rewards Checking offers. Not available for business accounts or public funds. When Cashback Rewards transaction requirements are met, earn 1% cash back on Citadel debit and/or credit card purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking account. Maximum Cashback Rewards: $10 per month. Cashback Rewards will be calculated at month end on net purchases (purchases minus any credit or returns). Available Cashback Rewards may be redeemed at any time during the year through Online and Mobile Banking or by contacting Citadel. Earned Cashback Rewards can only be deposited to your Cashback Rewards Checking account. For full Cashback Rewards program details and disclosures, visit CitadelBanking.com/CashbackChecking.

³ No maintenance or monthly fees apply to Citadel’s Free Checking account, but other fees may apply including inactivity fee, ATM fee, overdraft fee, and other account-related fees. For a full list of fees, visit CitadelBanking.com/Fees.

^* Refer-a-Friend: Refer your friends to Citadel Credit Union and you will each receive a $50 Visa Reward Card when your friend registers, opens a new Citadel Checking Account, keeps the account open and in good standing for at least 30 days, and meets the following requirements within 60 days of account opening:

Completes one (1) or more qualifying direct deposits totaling a minimum of $250, OR
Completes ten (10) or more debit card purchases (excluding ATM transactions)

For complete program details and instructions on how to make a referral visit CitadelBanking.com/Refer.