Earn 10X the National Average Rate²

Ready to start benefiting from compound interest? With Citadel's High Yield Savings account your money will grow faster while remaining secure and accessible.

• Earn 3.20% APY³ with a balance of $10,000+
• Earn 1.20% APY³ with a balance of $5,000+
• 3 free quarterly withdrawals/transfers, additional withdrawal/transfers will incur a $25 fee⁴
• All deposits are federally insured by NCUA up to $250,000 per member

Don't let your savings sit idle, start earning more on every dollar at Citadel.

APY = Annual Percentage Yield.

¹ Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is $5,000. Fees may reduce earnings. HYS rates are variable and may change after account opening. 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. 

² The National Average is based on the APY of regular savings accounts with a minimum balance of at least $2,500 offered by active credit unions as reported by the NCUA from S&P Global Intelligence databases. National Average rate effective as of 12/26/2025.

³ Minimum Balance Requirements: You must maintain a daily balance of at least $5,000.00 in Your Account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements.

⁴ Transaction Limits:  Three (3) free withdrawals or transfers per calendar quarter; $25 for each additional withdrawal or transfer during the same quarter.

⁵ Certificate Offer: Minimum deposit to open and earn standard APY is $500. Bonus APY is available on certificates opened with a minimum deposit of $75,000 or more. Maximum deposit is $1 Million per member. This offer is available for New Money deposits only. New Money is defined as funds not already on deposit at Citadel. You may not make any deposits to this account after it is established. Your account will automatically renew at maturity into a 12-month certificate at APY at that time. 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. Offer not available for public funds. Membership requirements apply.