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Welcome to Citadel

We’re here to help you live your brightest future. When your employer partners with Citadel, you get banking that fits your work and your everyday life.

Employee Banking

Looking for a banking experience that benefits your lifestyle? You’re eligible to become a member at Citadel Credit Union. Our experts can help answer your questions and guide you on your financial journey—bringing you the convenience and ease of everyday banking with the support and benefits of a community credit union. And, as part of your membership, your family members are also eligible to take advantage of checking accounts, savings accounts, credit cards, loans, free online banking, and more.

Schedule an appointment at a Citadel branch near you or open an account online to get started.

Accounts & Services
Accounts & Services Accounts & Services

Accounts & Services

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As a Citadel member, you’ll have access to:

Schedule an appointment at a branch near you to get started.

Get Started

Direct Deposit
Direct Deposit Direct Deposit

Direct Deposit

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Get paid early with direct deposit:

When you set up direct deposit to a Citadel checking or savings account, you can get paid up to 2 days early!* It’s easy to set up in our Online & Mobile Banking, where you can easily manage your paycheck allocations and view your account balances and transactions any time.

Open an account to get started or schedule an appointment at a branch near you.

Open Now

 

Special Offers
Special Offers Special Offers

Special Offers

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Special, limited time offers like this one:

Right now, you can get growing with our all new Ultimate Growth Checking Account and a limited-time bonus up to $400!3

Use promo code GROWTH0425 to get started with your bonus up to $400.3

Plus, when you add Citadel’s Cash Rewards credit card5 and a High Yield Savings Account,4 you’ll get the base rate for each, plus an extra boost depending on the tier of your Ultimate Growth Checking Account.

Open Now

Introducing the Ultimate Growth Checking Account

Want to make the most of every dollar you spend, save, and earn? With five tiers that automatically grow as you go, you’ll never have to worry about switching accounts again.2 The more you grow your balance, the more your rewards and perks get boosted. Starting from Tier 1 you'll begin with a strong foundation where you can stay comfortably or build from there.

Find the Tier That's Right for You

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 1

No minimum checking balance requirements2

No minimum checking balance requirements2

Monthly Fee1 None

High Yield Savings APY4 3.70%

Credit Card Cash Back5 1.50%

On All Purchases

Checking APY1 0.00%

ATM 1 Free6

Non-Citadel ATM Withdrawal & Balance Inquiry Monthly6

Other Fees Standard

Stop Payment & Overdraft Transfers7

Wire Transfers Fee Refunds

on All Incoming

Tier 2

$5,000 to $9,999 3 month average checking balance2

$5,000 to $9,999 3 month average checking balance2

Monthly Fee1 None

High Yield Savings APY4 3.72%

Credit Card Cash Back5 2.00%

On All Purchases

Checking APY1 0.05%

ATM 2 Free

Non-Citadel ATM Withdrawals & Balance Inquiries Monthly6

Other Fees Waived

Stop Payment & Overdraft Transfers7

Wire Transfers Fee Refunds

on All Incoming

+ 1 Outgoing Refund

Monthly

Tier 3

$10,000 to $19,999 3 month average checking balance2

$10,000 to $19,999 3 month average checking balance2

Monthly Fee1 None

High Yield Savings APY4 3.75%

Credit Card Cash Back5 2.25%

On All Purchases

Checking APY1 0.10%

ATM 6 Free

Non-Citadel ATM Withdrawals, Balance Inquiries & Surcharge Refunds Monthly6

Other Fees Waived

Stop Payment & Overdraft Transfers7

Wire Transfers Fee Refunds

on All Incoming

+ 2 Outgoing Refunds

Monthly

Tier 4

$20,000 to $39,999 3 month average checking balance2

$20,000 to $39,999 3 month average checking balance2

Monthly Fee1 None

High Yield Savings APY4 3.80%

Credit Card Cash Back5 2.50%

On All Purchases

Checking APY1 0.15%

ATM 10 Free

Non-Citadel ATM Withdrawals, Balance Inquiries & Surcharge Refunds Monthly6

Other Fees Waived

Stop Payment & Overdraft Transfers7

Wire Transfers Fee Refunds

on All Incoming

+ 2 Outgoing Refunds

Monthly

Tier 5

$40,000 & above 3 month average checking balance2

$40,000 & above 3 month average checking balance2

Monthly Fee1 None

High Yield Savings APY4 3.85%

Credit Card Cash Back5 2.75%

On All Purchases

Checking APY3 0.20%

ATM 10 Free

Non-Citadel ATM Withdrawals, Balance Inquiries & Surcharge Refunds Monthly6

Other Fees Waived

Stop Payment & Overdraft Transfers7

Wire Transfers Fee Refunds

on All Incoming

+ 2 Outgoing Refunds

Monthly

See How Much You Could Ultimately Benefit—It's as Easy as 1, 2, 3!

1Enter Your Monthly Balance

2Add Your Monthly Spending & Saving

3See Your Benefits Grow

$0 $5K $10K $20K $40K +
Tier 1 Tier 2 Tier 3 Tier 4 Tier 5
Start with your estimated 3-month average checking account balance:
$
Add your monthly credit card spending:
Estimate how much you spend per month with credit cards. We'll calculate how much you could boost your cash back with our Cash Rewards credit card based on your checking tier.
$
Add your High Yield Savings Account balance:
Get an extra boost on your Citadel High Yield Savings Account depending on your checking tier. Don't have one yet? Get both!
$
$10,000 minimum required to earn APY

We can help. Meet us at a branch near you.

SCHEDULE APPOINTMENT
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Important Disclosures & Information

APY=Annual Percentage Yield.

* Early Direct Deposit is a service included with your Citadel account in which Citadel makes your eligible direct deposits available up to two business days before the scheduled deposit date. Eligible direct deposits include transactions such as payroll, pension benefits, government benefits, or similar types of deposits received through the Automated Clearing House (ACH) network. The Early Direct Deposit service is dependent on when Citadel receives information about your deposit from the payer. Early availability is not guaranteed and may vary from deposit to deposit.

1 Ultimate Growth Checking: APY is variable and can change without notice. APY is determined by Tier. Tier 1 – No Dividends paid; Tier 2 Minimum 3-Month Average Daily Balance of $5,000 to earn 0.05% APY; Tier 3 Minimum 3-Month Average Daily Balance of $10,000 to earn 0.10% APY; Tier 4 Minimum 3-Month Average Daily Balance of $20,000 to earn 0.15% APY; Tier 5 Minimum 3-Month Average Daily Balance of $40,000 to earn 0.20% APY. No maintenance or monthly service fees apply. Other fees may apply including an inactivity fee, ATM fee, overdraft fee and other account related fees. Fees that can be waived or refunded are listed in each Tier. For full list of fees visit CitadelBanking.com/Fees.

2 The Reward Tier can be adjusted monthly and is determined by the combined three-month average daily balance of all Ultimate Growth Checking accounts on the same unique account number. At the beginning of each month, we will add the average daily balance of the previous three months and divide that figure by three. For new accounts with no existing Ultimate Growth Checking account, the reward tier from account opening to the end of the first calendar month is Tier 1; the reward tier for the second month is determined by the average daily balance for the first month; the reward tier for the third month is determined by adding the average daily balance for the first month and the second month and dividing by two. See the Membership Agreement and Disclosures for details on the compounding and crediting of interest.

$400 New Account Cash Bonus (Ultimate Growth Checking Account): Open a new checking account and earn up to $400 in cash bonuses. Earn a $200 cash bonus deposit for qualifying direct deposit(s) totaling $2,000 or more posting to the new checking account within 90 days of account opening. A qualifying direct deposit is defined as a recurring electronic deposit into checking account of payroll, pension, Social Security, government benefits, or other eligible regular monthly income made through the Automated Clearing House (ACH) network.

After meeting the direct deposit requirement, earn an additional $200 cash bonus by maintaining a daily balance of $5,000 or more in your new checking account during days 61 – 90 after account opening.

Promotional code must be applied at the time of account opening to receive the incentive offer(s). Once you meet the offer requirements, and your checking account has been open for 90 days, your bonus(es) will be paid within 10 business days. Bonus deposit(s) will be automatically deposited into your Citadel checking account if the account is in good standing at the time of incentive processing. The value of this bonus will be reported to the IRS and the recipient is responsible for any federal, state, or local taxes.

New account cash bonus offer is available to qualified new checking customers only. Customer must not have closed a Citadel checking account within the last 12 months and/or previously received a checking new account bonus. Limit one offer per member. Offer not available for business accounts. New account cash bonus offer expires December 31, 2025 and may be modified or withdrawn at any time.

High Yield Savings: Minimum balance to earn APY is $10,000. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements. Fees may reduce earnings. HYS rates are variable and may change after account opening. One (1) free withdrawal or transfer per calendar quarter, $25 for each additional withdrawal or transfer.

Cash Rewards Mastercard: Cash Back Rewards are earned on purchases minus any credits or returns (“net purchases”). Cash advances and balance transfers are not considered purchases and will not earn cash back rewards.

6 ATM transactions at non-Citadel ATMs may be subject to a surcharge from the ATM owner.

7 Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the extra expenses caused by a bounced check or insufficient funds. These include: transferring funds from a Citadel Savings and/or Money Market Account; advancing funds from a Citadel Personal Line of Credit; and Courtesy Pay. Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account). As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid. If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by: completing the opt-in form in Online and Mobile Banking by selecting 'Courtesy Pay' under 'Accounts' in the main menu; visiting any Citadel Branch; calling Citadel toll free at 800-666-0191; or you cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals. A Courtesy Pay Fee of $33 will be charged to your account, when we agree to pay an item that overdraws your checking account. We will limit the number of combined NSF and Courtesy Pay Fees charged on any one calendar day to 5. Once you have overdrawn your account you will need to bring the account to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have had a negative balance for more than 60 days. When making the decision to pay or return an item and charge a fee, we treat each original presentment and representment as an individual transaction. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule. All standard account requirements apply. Information accurate as of February 3, 2025, and subject to change without notice. Offers may be modified or withdrawn at any time. Fees may reduce earnings.

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