Give Your Savings the Raise It Deserves
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.
Open your account online here.
APY = Annual Percentage Yield. Read Full Disclosures.
1Information 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.
2The 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 9/26/2025.
3Minimum 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.
4Transaction Limits: Three (3) free withdrawals or transfers per calendar quarter; $25 for each additional withdrawal or transfer during the same quarter.
