Citadel certificates offer consistently higher rates

 Certificate* Features Short-Term
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Mid-Term Rate
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Long-Term Rate
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Minimum Investment $500 $500 $500
Flexible Terms 3 -12 months 18 -– 36 months 48 -– 84 months
Better Rates (APY) Up to 0.85% Up to 1.65% Up to 2.10%
Federally Insured Checkmark-Black Checkmark-Black Checkmark-Black
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Which Certificate* is right for you?

A Citadel Short-Term Certificate is right for you

if you have $500 or more to invest and want to lock in a set interest rate for 3 to 12 months. The larger your investment, the higher your interest rate.

Term Investment Amount
$500+ $25k+ $75k+
3 months 0.20% 0.20% 0.20%
6 months 0.40% 0.40% 0.40%
12 months 0.85% 0.85% 0.85%

 

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A Citadel Mid-Term Certificate is right for you

if you have $500 or more to invest and want to lock in a set interest rate for 18 months to 3 years. The larger your investment, the higher your interest rate.

Term Investment Amount
$500+ $25k+ $75k+
18 months 1.00% 1.05% 1.10%
24 months 1.10% 1.15% 1.20%
30 months 1.20% 1.25% 1.30%
36 months 1.65% 1.65% 1.65%

 

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A Citadel Long-Term Certificate is right for you

if you have $500 or more to invest and want to lock in a set interest rate for 4 to 7 years. The larger your investment, the higher your interest rate.

Term Investment Amount
$500+ $25k+ $75k+
48 months 1.85% 1.85% 1.85%
60 months 2.10% 2.10% 2.10%
84 months 1.90% 1.95% 2.00%

 

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Have a savings goal? We have a Certificate for that.

Use a Certificate to save for:

  • a new car
  • a major repair
  • a vacation
  • a new home
  • a wedding
  • college
  • retirement
  • and more!

Discuss your options today!

We’ll help you structure multiple Certificates for the absolute highest rate.

calculatorGet an even higher rate through laddering

How much more can I earn by laddering my Certificates?

 

 

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Open a Citadel Certificate

Are you a Citadel customer?

 

Yes

 

Answer yes if you already have an account, loan or credit card with Citadel.

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There are 3 easy ways to open a Citadel Certificate.

1. Log in to Online Banking

Once you log in:

  • Select “Open New Account”
  • Select “Open Account”
  • Select “View All” to see all available accounts
  • Select the Certificate you’d like to open

2. Call (888) 961-1859

A local representative is ready to assist you.

3. Visit a local branch

*Certificates Terms

  • Information accurate as of February 24, 2017 and is subject to change without notice.
  • All rates expressed as Annual Percentage Yield (APY)
  • All Citadel accounts are federally insured to $250,000 or more by the National Credit Union Administration, an agency of the U.S. Government.
  • Upon renewal, rates for laddered Certificates will be determined based on most current rate schedule.
  • Early withdrawals on Certificates are subject to penalty. 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 and 180 days of dividends for accounts terms greater than one year.

 

 

 

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