Earn More on Your Investment Today

Citadel offers consistently higher rates on certificates. Compare any of our rates to certificates of deposit or CDs offered by other financial institutions.


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. Choose a term, lock in a rate, and enjoy a guaranteed return on your investment.

Additional Features

Certificates are a great way to save for many important things in life, such as:

  • A New Car
  • Home Repairs
  • A Vacation
  • A New Home
  • Weddings
  • College
  • Retirement

Certificate Rates

Invest in any Citadel Certificate with as little as $500

Open A Certificate

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.

For example, rather than deposit $60,000 for a one-year period and renewing each year at a lower one-year rate, you could create a three-year ladder and put $20,000 in a one-year certificate, $20,000 in a two-year certificate and $20,000 in a three-year certificate at the higher interest rates. After the first year, you take the one-year certificate and purchase a new three-year certificate. After the second year, you take the initial two-year certificate and purchase a new three-year certificate, and do the same with the initial three-year certificate. Starting in year four, you will have the three certificates receiving the benefit of a three year rate but also have access to 1/3 of your money each year without penalty should you need it. Use this calculator to determine the additional interest you could earn with a Certificate Laddering strategy.

Start Calculator

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%


  • 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.


Find an ATM or Branch Near You

Frequently Asked Questions

What happens to my Certificate on its maturity date?

Unless Citadel is notified in advance, the Certificate will renew for the same term at the current rate for that term on that date. Following the maturity date, there is 10-day grace period during which you can make changes to the term or deposit amount of the Certificate without penalty.

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 its maturity date

For a Certificate with a term of 12 months or less, 90 days of interest is assessed as a penalty.

For a Certificate with a term of more than 12 months, 180 days of interest is assessed as a penalty.

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.

Still have questions? Visit our help center.

*Certificate Disclosures

View *Certificate Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).Minimum balance to earn APY is $500. Fees may reduce earnings.

Balance Requirements:
Minimum deposit of $500.

Early Withdrawal Provisions:
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.

Renewal Policies:
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.

Transaction Limitations:
You may not make any deposits to this Account after it is established.

Federally insured by NCUA.