Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum deposit to open and earn APY is $500, with bonus rates available on certificate specials with minimum deposit of $75,000.
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; 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We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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.
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.
You may not make any deposits to this Account after it is established.
Additional Terms for Promotional Certificates:
Upon maturity, the 14 month and 20 month promotional rate certificates will rollover to our standard 12 and 18 month certificates, respectively, and earn the corresponding APY’s offered at that time. The 30 month promotional certificate will rollover to a same term certificate product and earn the corresponding APY offered at that time. Offer may be withdrawn at any time. Not available for public funds.
Federally insured by NCUA.