Business Certificate Offer

Start building a solid savings foundation for your business with a Citadel Business Certificate. Right now, you can earn 4.00% APY on your new money deposits with our 8-month term.^* $500 minimum to open.^*

Benefits of a Citadel Business Certificate:

• Low-risk investment
• Deposits are federally insured by the NCUA up to $250,000
• Special bonus rate on deposits of $75,000 or more

It's easy to open:

Open online in minutes here.

See How Your Savings Can Grow

See how your savings can grow over time. Use our certificate calculator below to estimate how much you could earn and choose the CD term that fits your goals.

APY = Annual Percentage Yield. Read Full Disclosures below.

Federally insured by NCUA.

Applies to all certificates: 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 We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.

^* 8-Month Certificate Offer:  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.  Your account will automatically renew at maturity into a 12-month certificate at APY at that time. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. Offer not available for public funds.

Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.