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Get a $300* Bonus with a Checking Account Built for You

For a limited time, get a $300 bonus when you open a new checking account! Use promo code SEPT2230013. Not sure which account works for you? Take our quiz! Additional terms apply.

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Refinance1 an existing auto loan with a Citadel auto loan that can offer you lower monthly payments and more flexibility. There are many great reasons to refinance your existing auto loan with Citadel today:

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For Robert, that meant finding the time to craft his masterpiece.

For Pam, that meant traveling the world.

For James, that meant building a nest egg for his family.

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Lorem Ipsum es simplemente el texto de relleno de las imprentas y archivos de texto. Lorem Ipsum ha sido el texto de relleno estándar de las industrias desde el año 1500, cuando un impresor (N. del T. persona que se dedica a la imprenta) desconocido usó una galería de textos y los mezcló de tal manera que logró hacer un libro de textos especimen.

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Lorem Ipsum es simplemente el texto de relleno de las imprentas y archivos de texto. Lorem Ipsum ha sido el texto de relleno estándar de las industrias desde el año 1500, cuando un impresor (N. del T. persona que se dedica a la imprenta) desconocido usó una galería de textos y los mezcló de tal manera que logró hacer un libro de textos especimen.

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Lorem Ipsum es simplemente el texto de relleno de las imprentas y archivos de texto. Lorem Ipsum ha sido el texto de relleno estándar de las industrias desde el año 1500, cuando un impresor (N. del T. persona que se dedica a la imprenta) desconocido usó una galería de textos y los mezcló de tal manera que logró hacer un libro de textos especimen.

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Lorem Ipsum es simplemente el texto de relleno de las imprentas y archivos de texto. Lorem Ipsum ha sido el texto de relleno estándar de las industrias desde el año 1500, cuando un impresor (N. del T. persona que se dedica a la imprenta) desconocido usó una galería de textos y los mezcló de tal manera que logró hacer un libro de textos especimen.

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Lorem Ipsum es simplemente el texto de relleno de las imprentas y archivos de texto. Lorem Ipsum ha sido el texto de relleno estándar de las industrias desde el año 1500, cuando un impresor (N. del T. persona que se dedica a la imprenta) desconocido usó una galería de textos y los mezcló de tal manera que logró hacer un libro de textos especimen.

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You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

You can make payments on your Citadel auto loan, personal loan, mortgage, and credit cards online, over the phone, at a branch, or through the mail. For fast, easy, and secure payments, Online & Mobile Banking is the most convenient choice. Whether you’re using your Citadel checking account or an account from another financial institution, you can make payments, set up recurring payments, and more, from wherever you are. Watch this How To Make A Payment video to learn more!

Features

  • No Annual Fee
  • Earn 2X Rewards Points on All Restaurants & Travel
  • No Foreign Transaction Fees

Rates AS LOW AS

15.49% APR

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*Certificate Disclosures

View *Certificate Disclosures

Federally insured by NCUA. 

*Additional Information: 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.

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.

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Frequently Asked Questions

What are the minimum requirements to earn Cashback Rewards on the Cashback Rewards Checking Account?
In order to earn Cashback Rewards, the Cashback Rewards Checking Account must maintain an average daily balance of $5,000 or receive qualifying direct deposits that total $1,000 or more each month. Cashback Rewards are earned on net purchases on a monthly basis, with a maximum of $10 in Cashback Rewards per month. 
How do I earn cash back on the Cashback Rewards Checking Account?
When balance or direct deposit requirements are met, you will earn 1% cash back on net purchases that post to your account each statement cycle from Citadel debit and/or credit cards linked to your Citadel Cashback Rewards Checking Account.  Cashback Rewards have a monthly cap of $10. 
How do I redeem my Cashback Rewards?

Available Cashback Rewards can be redeemed through Online Banking or our Mobile App. You can also call or visit CitadelBanking.com to redeem your Cashback Rewards.

When you choose to redeem, the full balance of available cash back must be redeemed and will be instantly deposited into the Cashback Rewards Checking Account. Any Cashback Rewards not redeemed by the account anniversary date will automatically be deposited into your Citadel Cashback Rewards Checking Account during the following statement period.

To redeem online, follow these two easy steps:

  • Navigate to your checking account and on the 'Activity' tab select 'Rewards'
  • Choose ‘Redeem Rewards’ and the funds are instantly deposited into your Checking Account!
What types of purchases qualify to earn cash back?
Cashback Rewards will be calculated at month end on net debit and credit card purchases (purchases minus any credits or returns) that post to your account each statement cycle. ATM withdrawals, credit card cash advances, and credit card balance transfers are not considered purchases and will not earn Cashback Rewards. A Citadel debit or credit card must be linked to your Cashback Rewards Checking Account to earn Cashback Rewards on purchases. 
How do I switch my current Checking Account to a Cashback Rewards Checking Account?

You can convert your current Checking Account to a Cashback Rewards Checking Account through Online and Mobile Banking, by calling Citadel, or visiting us in a branch. Converting your account is easy in Online and Mobile Banking:

  1. Click into the Checking Account you want to convert.
  2. From your account details use the 3 dot ellipses menu and select 'Switch Account Type'
  3. Confirm your account details, and you’re done!

Your account number and card number will stay the same.

What is Citadel Credit Union’s ATM withdrawal limit?

Members can withdrawal funds of up to $600 per day for ATM withdrawals that includes any surcharge fees. For example, if you wish to takeout $600 and the ATM charges a $3 fee the most you withdrawal is $597.

To avoid any fees, visit any Citadel branch or use our locator tool to help you find your nearest surcharge-free ATM.

Still have questions? View a complete list of FAQs.

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See What You Can Do

Business Online Banking

Business Online Banking

Citadel's Online & Mobile Banking includes features and tools designed specifically for business users. If you're a Business Banking member, you can create users and roles with custom access to certain accounts for your team, and customize your dashboard to prioritize what you see first. You can also manage ACH transactions, send wire transfers, utilize remote deposit capture, and more. Here's a look at what you can do. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com. To learn more about Business Banking at Citadel, visit CitadelBanking.com/Business.

How To Customize Your Dashboard

How To Customize Your Dashboard

You can customize how you view your Citadel accounts in Online Banking and the Citadel Mobile App. Set up a personalized dashboard to see exactly what you're looking for as soon as you log in, and make it easy to manage your money. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How To Make a Loan Payment

How To Make a Loan Payment

With Citadel's Online & Mobile Banking, you can submit one-time or recurring payments on any of your Citadel loans. You can also use the loan payoff calculator to determine when and how to best pay your balance. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How To Pay Bills

How To Pay Bills

You can easily pay all your bills in one place with Citadel's Online & Mobile Banking. Setup one-time or recurring payments, and choose when and how you receive payment notifications. You can also enroll in eBills to have certain bills send an image of your bill directly into our Online & Mobile Banking platform, so you can see everything you need. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How To Set Up Card Controls

How To Set Up Card Controls

You can protect your Citadel credit and debit cards by setting up travel notices and custom card controls in Online & Mobile Banking. Add details about your travel plans & destinations to help us identify and prevent fraud on your accounts, and enable custom settings to decide how and where your card can be used. You can block or allow certain retailers, types of transactions, and set spending limits for all card users. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How To Set Up Account Alerts

How To Set Up Account Alerts

In Citadel's Online & Mobile Banking, you can set up custom account alerts for things like balances, checks, loans, logins, and transactions via push notification, email, or text message. Get notified about security alerts, reminders for payments due dates, and more. You decide which accounts get each alert, how often, and what time you receive them. Here's how to get set up. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How To Access Card Services

How To Access Card Services

You can manage your Citadel credit and debit cards any time in Online & Mobile Banking. Request a replacement card and add it to your mobile wallet right away, or report a card lost or stolen. You can also make a payment and add or remove card users. Here's how to get it done. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How To Transfer Funds

How To Transfer Funds

In Citadel's Online & Mobile Banking, you can move money between your accounts one time, or on a recurring basis. Funds can be transferred between two of your Citadel accounts, or to and from your accounts at another financial institution. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com

How to Connect Your External Accounts

How to Connect Your External Accounts

When you connect your accounts from other financial institutions in Citadel's Online & Mobile Banking, you can make payments on your Citadel loans and credit cards. You can also make secure transfers between your Citadel accounts and your external accounts. Here's how it works.

How To Set Up Mobile Wallets

How To Set Up Mobile Wallets

It's easy to add your Citadel credit and debit cards to mobile wallets like Apple Pay & Google Pay. Once you do, you can make secure, contactless payments wherever you go – even when you leave your physical card at home. See how it works.

How to Transfer Funds Between Business & Personal Accounts

How to Transfer Funds Between Business & Personal Accounts

You can transfer funds instantly to and from your different Citadel business and/or personal accounts with a few easy steps. It's also a quick way to send money to other Citadel members in real time. Here's how it works. To learn more about Online Banking and the Citadel Mobile App, visit CitadelBanking.com. To learn more about Business Banking at Citadel, visit CitadelBanking.com/Business.

Interested in accessing your home equity?

Complete the form below to have an expert review your Home Equity Loan options.

Please Note: Since Citadel is a credit union, you can open an account with us if you live, work, worship, or study in the following Pennsylvania counties: Bucks, Chester, Delaware, Lancaster*, Montgomery or Philadelphia. You can also become a Citadel customer if a member of your family or household is eligible to be a customer, no matter where you live. *People who do any of the following in the City of Lancaster: work, worship, perform volunteer services, participate in programs to alleviate poverty or participate in associations headquartered in the city. Citadel Home Equity loans are available in PA, NJ, MD and DE.

Schedule a Consultation Today!

Our CFS* Financial Advisors are able to meet with you at any Citadel location to discuss your retirement goals. Fill out the form below to get in touch with the Retirement and Wealth Management Team.

Referral Disclosure

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA / NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal.  Investment Representatives are registered through CFS.  Citadel has contracted with CFS to make non-deposit investment products and services available to credit union members. 

Become a Citadel Member, today!

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