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Citadel is ranked number one in Pennsylvania and the top 1% among all credit unions nationwide for returning value to savers.*

Certificates

If you have at least $500 to invest, Citadel Certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a simple way to earn more and reach your savings goal sooner. Once the certificate matures, you can renew it or access your original investment, plus the return it earned.

Current member? Open a Citadel Certificate in Online & Mobile Banking today! Get Started.

Have questions about our Certificates or Certificate rates? Schedule an appointment today!

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Certificate Rates

*APY = Annual Percentage Yield. Read Full Disclosures.

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Earn more on deposits of $75,000 or more.

Certificate Laddering Calculator

Typically you can receive higher interest rates on a certificate if you invest for a longer period of time. However, this lack of liquidity causes many people to choose shorter-term certificates at the expense of receiving the higher interest rates. Certificate Laddering is a strategy that gives you the benefit of receiving the higher-interest crediting rates of longer term certificates but still provide you with some liquidity. Use our calculator to see how much you can save!

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CD Information and Assumptions

Deposit amount($)

$0 $1,000,000

Number of years for analysis (0 to 5)

0 5

Marginal tax bracket (0 to 75%)

0% 75%

Interest Compounding Frequency

CD Interest rates

One Year (0 to 12%)

0% 12%

Two Year (if applicable)

0% 12%

Three Year (if applicable)

0% 12%

Four Year (if applicable)

0% 12%

Five Year (if applicable)

0% 12%
Calculate

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Security

  • Citadel is committed to helping you protect your hard-earned money.

  • All Citadel deposits are federally insured up to $250,000 per member by the National Credit Union Administration, an agency of the U.S. government.

  • Communicate with us securely through our Online Banking secure messaging system.

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Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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Frequently Asked Questions

How do I find the maturity date of my Citadel Certificate?

You have several options to view the maturity date of your Citadel Certificate:


In addition, Citadel will mail a reminder to you approximately two weeks prior to the maturity date.

What happens if I withdraw the funds of a Certificate before the maturity date?

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; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater.

We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.

 

What are “laddered” Certificates?

Multiple Certificates with different terms opened at that same time in order to get a higher tiered rates. This can be done by calling the Customer Service Center at (800) 666-0191 or visiting a Citadel branch.

Does Citadel offer a savings certificate calculator?
Yes, Citadel offers a savings Certificate calculator. 
What are Citadel's current Certificate rates?
To view Citadel's current Certificate rates, please visit the Certificates page or the Great Rates, Low Fees page.

Still have questions? Visit our help center.

*Certificate Disclosures

View *Certificate Disclosures

Federally insured by NCUA.

*2019 ranking by Callahan & Associates. According to research firm Callahan & Associates, Citadel is ranked number one in Pennsylvania and the top 1% among all credit unions nationwide for returning value to savers.

Additional Information: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. 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; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.

Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.