Earn 5.15% APY* on a 12 Month Certificate

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Certificates

Right now, earn 5.15% APY* on a 12 month certificate!

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. All you need is $500* to get started. This special new rate is also available for IRA certificates.

Benefits of a Citadel Certificate:

  • Low-risk investment
  • Deposits are federally insured by the NCUA up to $250,000
  • Special bonus rate of 5.20% APY* on deposits of $75,000 or more

It's easy to open:

Current Members - Open in Online Banking | New to Citadel? Open An Account Online Today

If you prefer to speak with a representative, you can Schedule an Appointment, or chat with us face-to-face with Video Chat.

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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.

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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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Hear From Our Members

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We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.

Still have questions? Visit our help center.

Federally insured by NCUA. 

*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.

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