The Smart Place to Save

A savings account is essential for building financial strength. Find the one that works best for you.

Savings Accounts

Whether you are saving toward short- or long- term goals, or creating a retirement nest egg, we can help you find the savings plan that works best for you. Enjoy competitive savings account rates on products for the entire family. At Citadel, we have an array of products to meet your savings goals — from High Yield Savings accounts to Kids Savings Accounts and Holiday Club, Money Market Savings Accounts and more!

Not sure which account is right for you? Take our Savings quiz to determine which option best fits your needs.

High Yield Savings +

Want to earn continuous high returns on your money and be able to access it easily? Citadel’s High Yield Savings accounts earn more than 10X the national average rate and won’t lock up your savings for long terms. Just maintain a balance of $10,000 or more to earn interest. Your first withdrawal or transfer per calendar quarter is free.

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Star Savings +

Citadel’s Star Savings account is perfect for anyone with short-or long-term savings goals and is required for credit union membership. This account has a higher rate than most standard savings accounts that gets better the more you save. Schedule an appointment to learn more about Star Savings, the process of becoming a member, and for help in opening the accounts that best fit your financial lifestyle.

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Certificates +

Citadel Certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a simple, low-risk way to earn more on your money. Once your certificate matures, you can renew it or access your original investment along with the return that it earned. All you need is $500* to get started. Special bonus rate available on deposits of $75,000 or more.

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Holiday Club & Auxiliary Savings +

Saving up for the holidays? Want an easy way to build a “rainy-day” fund? Citadel’s Holiday Club & Auxiliary Savings account lets you put money aside to grow with no minimum balance. At the end of each year, the funds you saved along with the interest you earned are automatically transferred to your Citadel Savings account to be used however you want.

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Kids Club Star Savings +

Teach your kids smart savings habits as early as possible with Citadel’s Kids Club Savings account. When you open a Star Savings account for your child, they’ll automatically be enrolled in our Kids Club account. Kids Club members receive a birthday card every year for $10 to be redeemed and deposited at any Citadel branch, on every birthday up to and including their 12th birthday

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Money Market +

Jump start your savings with Citadel’s Money Market account. This account has consistently higher interest rates that increase as your balance grows and a low minimum balance requirement. A money market is a great account for longer term savings that will provide you with a higher return on your funds.

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Individual Retirement Accounts +

When it comes to saving for retirement, you should feel like you’ve made a smart decision. Compare Citadel’s Individual Retirement Accounts to find the best option for your retirement plan. We offer an IRA Money Market Account with a low minimum investment requirement and IRA Certificates with flexible terms and high rates. All of our accounts are available as Traditional or Roth IRAs.

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Hear From Our Members

At Citadel, I am more than a number!

“It all started with an attractive CD rate and a coin counter machine, and blossomed into a respected institution comprised of a professional, competent, kind and caring staff. Each transaction is a pleasure. Their staff sympathy card during the death of a family member brought tears to my eyes. At Citadel, I am more than a number!”

Dwight B.

Get a great rate on Citadel Certificates!