Save Big with Certificates

Set aside your savings to grow stronger while you enjoy all of life's little moments.

Earn 5.05% APY* for 8 Months or 5.00% APY* for 12 Months

Citadel Certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a simple way to set your savings aside to grow faster while you enjoy all the special moments in your life. Now you can earn 5.05% APY* on an 8 Month certificate or, if you're looking for a slightly longer term, you can lock in a 5.00% APY* on a 12 Month certificate. Once the certificate matures, you can renew it or access your original investment, plus the return it earned.* Open yours now with a minimum deposit of $500!* 

Benefits of a Citadel 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:

Current Members - Open in Online Banking | New to Citadel? Open Online Here

APY = Annual Percentage Yield. Read Full Disclosures. 

Certificate Rates

Earn more on deposits of $75,000 or more.

Ready to join Citadel & save big?

Get Started

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 Offers may be modified or withdrawn at any time.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.

*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. 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 We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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. Offer not available for public funds. Membership requirements apply.