Lock in a 2.75% APY 30-month Certificate

Enjoy a smaller term and bigger rate for a limited time with Citadel.

Save Smarter, Safer, and Faster with Citadel High Rate Certificates

Save more when you place your savings into a 30-month certificate at 2.75% APY. It’s easy to maximize your returns with our summer high rate specials.

With rates that are consistently higher than CDs offered by most financial institutions, you can enjoy a guaranteed return on your investment. Lock in a high rate certificate today and enjoy the following benefits:

  • Low risks and high rewards
  • A secure and easy way to save
  • Flexible terms

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(844) 499-0429

Save Smarter, Safer, and Faster with Citadel High Rate Certificates. Shop our rates and let Citadel help you reach your savings goals.

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We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date.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

*Certificate Disclosures

View *Certificate Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Not available for public funds. Fees may reduce earnings.


Balance Requirements:
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.  

 

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. 


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.