Earn Up to $500 with our FREE Ultimate Growth Checking Account1
Explore The Tiers
Designed to benefit you at every stage of your financial journey. You'll automatically move up or down based on your average balance, so you'll never have to wonder if you're in the right account again.
Tier One
No minimum checking balance requirements2
NO MONTHLY FEE
Free3
HIGH YIELD SAVINGS BOOST4
Base Rate
Credit Card Cash Back
1.50%
Base Rate5
Checking APY3
0.00%
Earn Interest Starting at Tier 2
ATM
1 Free
Non-Citadel ATM Withdrawal & Balance Inquiry Monthly6
Other Fees
Standard
Stop Payment & Overdraft Transfers7
Wire Transfers
Fee Refunds
on All Incoming
Tier Two
$5,000 to $9,999 3 month average checking balance2
Monthly Fee3
Free
HIGH YIELD SAVINGS BOOST4
+0.02%
Base Rate +0.02 Boost
Credit Card Cash Back
2.00%
Base Rate + 0.50% Boost5
Checking APY3
0.05%
ATM
2 Free
Non-Citadel ATM Withdrawal & Balance Inquiry Monthly6
Other Fees
Waived
Stop Payment & Overdraft Transfers7
Wire Transfers
Fee Refunds
on All Incoming + 1 Outgoing Refund Monthly
Tier Three
$10,000 to $19,999 3 month average checking balance2
Monthly Fee3
Free
HIGH YIELD SAVINGS BOOST4
+0.05%
Base Rate + 0.05 Boost
Credit Card Cash Back
2.25%
Base Rate + 0.75% Boost5
Checking APY3
0.10%
ATM
6 Free
Non-Citadel ATM Withdrawal, Balance Inquiries & Surcharge Refunds Monthly6
Other Fees
Waived
Stop Payment & Overdraft Transfers7
Wire Transfers
Fee Refunds
on All Incoming + 2 Outgoing Refunds Monthly
Tier Four
$20,000 to $39,999 3 month average checking balance2
Monthly Fee3
None
HIGH YIELD SAVINGS BOOST4
+0.10%
Base Rate + 0.10 Boost
Credit Card Cash Back
2.50%
Base Rate +1% Boost5
Checking APY3
0.15%
ATM
10 Free
Non-Citadel ATM Withdrawal, Balance Inquiries & Surcharge Refunds Monthly6
Other Fees
Waived
Stop Payment & Overdraft Transfers7
Wire Transfers
Fee Refunds
on All Incoming + 2 Outgoing Refunds Monthly
Tier Five
$40,000 & above 3 month average checking balance2
Monthly Fee3
None
HIGH YIELD SAVINGS BOOST4
+0.15%
Base Rate + 0.15 Boost
Credit Card Cash Back
2.75%
Base Rate +1.25% Boost5
Checking APY3
0.20%
ATM
10 Free
Non-Citadel ATM Withdrawal, Balance Inquiries & Surcharge Refunds Monthly6
Other Fees
Waived
Stop Payment & Overdraft Transfers7
Wire Transfers
Fee Refunds
on All Incoming + 2 Outgoing Refunds Monthly
Get to Know Ultimate Growth Checking
Introducing the checking account that grows with you. And it's totally free! See for yourself why it’s the only account you’ll ever need. Make the ultimate upgrade and get growing today!
Get the only account you’ll ever need.
Lets GrowWhy Choose Citadel?
We’re a not-for-profit, member-owned credit union committed to helping people, businesses, and communities prosper. Not sure if you're eligible? Here's who can join.
Here’s why you’ll love banking with us:
Better rates & fewer fees
Focus on financial literacy & giving back
Personalized experiences, online & in-person
All it takes is a $1 deposit to join
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