New Higher Rate Certificate Specials

Select "Open an Account" in Online or Mobile Banking and fund your Certificate today!

Save Smarter, Safer & Faster with Certificates

Interest Rates Certified by Datatrac

For a limited time, Citadel is offering special high rates on Certificates! Citadel customers can open a Certificate right from Online Banking. Simply select 'Open An Account' from the main menu, and follow the steps to make a deposit and fund your new Certificate.

Choose a term, lock in your rate and enjoy a guaranteed return on your investment. It's that easy.

Lock in your special high Certificate rate before time runs out!

Open in Online Banking

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?

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

For a Certificate with a term of more than 12 months, 180 days of dividends 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.

New penalties effective May 1, 2018: 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.


1About Datatrac: Datatrac’s comprehensive, unbiased research and analysis is updated each business day and is conducted independent of any financial institution. There is no guarantee that you will receive the rates and terms displayed herein. Actual rates and terms are in the full discretion of the financial institution and are subject to your credit rating and other factors. Please contact us directly with any questions regarding our current rates and terms.

Datatrac is an independent, unbiased research firm that has monitored deposit and loan rates, fees, and product features for over 25 years on more than 100,000 financial institution locations in North America.

Federally insured by NCUA.