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*Certificates Disclosures

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*2019 ranking by Callahan & Associates

*Rates expressed as Annual Percentage Yield, APY. Minimum balance to open and earn the Standard Rate APY is $500. Minimum balance to open and earn the Bonus Rate APY is $75,000. Rates accurate as of and subject to change. Choose Your Term certificate term selected at account opening cannot be changed to another Choose Your Term certificate term later. Ask about special rates available for public funds. Penalty for early withdrawal. Fees may reduce earnings. Upon maturity, certificates will rollover to a same term certificate product and earn the APY offered for that term at that time. Offer may be modified or withdrawn at any time. For a complete listing of our certificate rates and terms, visit CitadelBanking.com/Certificates.

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