Auto Loan Customer Center

Additional Tools & Resources

Updating your Auto Insurance & Collateral Protection Insurance (CPI)

Be sure to update your Auto Insurance carrier with Citadel Credit Union as the new lienholder for your vehicle. Then provide that proof of coverage to Citadel so we can add to your loan records. If a policy does not meet the minimum insurance requirements of an auto loan, Collateral Protection Insurance (CPI) could be added to your loan. The CPI premium charge is added to the loan principal, which increases the loan payments. If proper prrof of insurance coverage has not been provided, Citadel will send you a notice regarding the addition of CPI to your loan at least 45 days before we charge you for coverage. It will include:

• The date of the notice
• You and your lender's respective names and mailing addresses
• A request for insurance information for your vehicle
• A thorough description of why your previous coverage was inadequate, as well as information about your CPI plan.

In most cases, you’ll need to provide proof of other insurance coverage. If you already have sufficient coverage and the issue was due to a lack of documentation, you can typically send proof of your insurance coverage to Citadel and the problem will be resolved.

Skip-A-Payment Program

For those times in life when you need a little extra cash, skipping a loan payment might be a good solution. With Citadel’s Skip-a-Pay, for a $35 fee you can skip your upcoming auto loan payment. It’s easy to skip payments yourself through Online Banking or the Citadel Mobile App. Find out if you have an eligible loan today, here's how:

1. Log into your Citadel Online Banking account or Mobile App
2. Click the "Payments" tab
3. Select the “Skip-a-Pay” option. Any eligible auto loan will appear. It’s that easy!

The Credit Union Difference

At Citadel Credit Union, we don’t have stockholders—we have members. Since credit unions are non-profit and operated to promote the well-being of their members, the money the credit union makes is returned to members in the form of reduced fees, higher savings rates, and lower loan rates.

By financing your auto loan with Citadel, you are now a member of the credit union, giving you automatic access to even more great products and services. Citadel not only provides great auto loan rates and low fees, but offers personalized service as well. Our experienced customer support team can assist you with calculating auto loan payments, reviewing your loan details and more. 

Your Automatic $5 Savings Share

Every credit union member is required to have a savings share, an account that represents your “Share” in the credit union and makes you a part owner of Citadel.  When you opened your auto loan, we gave you a complimentary $5.00 savings share so you can enjoy all the benefits of membership. You can continue to use this share, but there is no requirement to take any action. If you have any additional questions about this, please contact us. 

Why Our Members Matter

Learn more about how a credit union is different from a traditional bank, why our members truly matter, and how they receive the best pricing and service in the area.

We're Much More than Auto Loans

At Citadel, we offer much more than competitive auto loan rates. There are plenty of additional ways Citadel can help you save money and enjoy more financial freedom in your life.

We offer a full suite of personal banking products, including:

• Checking Accounts
• Low-Rate Credit Cards
• High-Rate Savings Accounts
• Personal Loans
• Education Loans
• Mortgages
• IRAs
• Home Equity Loans

More Information

✔ 24 Branch Locations - We have several branch locations so banking with us is always convenient. 
✔ Citadel Express Banking - It's like an ATM, only better. With 24/7 access to all of your Citadel accounts, you can make a deposit, get cash, make a loan payment, and more. 
✔ Contactless Payments - Experience a faster and more secure way to pay with your contactless Citadel Mastercard.
✔ More than 30,000 Surcharge-Free ATMs - Find an ATM near you quickly, easily, and surcharge-free with our locator tool.

Online Payments 'Fill My Tank' Sweepstakes

Go digital with your payments and win cash! When you sign up and make a payment using Online Banking or the Citadel Mobile App, you're automatically enrolled in a sweepstakes to earn one of 4 $100 deposits each month between now and December 31, 2022.  Click 'Fill My Tank' below to enroll or login to set up your payment today!  Read full disclosures.