Earn More with a 2.00%* APY Guaranteed for 12 Months

Enjoy security, higher returns, and peace of mind with a guaranteed rate.

High Yield Savings Account

Earn more on your savings, and reach your savings goal faster and securely! Citadel's new High Yield Savings Account gives you a guaranteed APY of 2.00%* for twelve months. With this new offer, you'll enjoy higher returns without tying up your money for long terms.

Here's how to get your guaranteed rate:

  1. Open a new Citadel High Yield Savings Account with a minimum of $10,000 (new money only).
  2. Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).

High Guaranteed Rate

Enjoy a high introductory rate of 2.00% guaranteed for 12 months!


Continuous High Returns

After the first twleve months, your rate will keep pace with market conditions.



Unlike other savings vehicles, with Citadel’s High Yield Savings Account you can get to your money if you need it.


High Yield Savings Rates

Looking to earn more on smaller deposits? Citadel Certificates are the perfect solution.

Learn More

Additional Features

Withdrawing Funds:

You can withdraw funds once per calendar quarter. There is a $25 fee for each additional withdrawal or transfer during the same quarter.

Save with Security:

Citadel’s High Yield Savings Account deposits are federally insured by NCUA up to $250,000 per member.

Best For...
Those looking for a savings account with higher returns
Those looking for more flexibility to access funds than certificates offer

Start Saving with a High Yield Savings Account Today!

Learn More



Monthly service fee, if balance requirement is not met*


Withdrawal fee for each withdrawal or transfer (one free per calendar quarter)


Monthly inactivity fee**


  • 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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*High Yield Savings Disclosures

View *High Yield Savings Disclosures

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).

*Balance Requirements:

$10,000 minimum opening deposit. This minimum opening deposit must come from funds not currently held in accounts at Citadel. The monthly service fee is waived if the average daily balance is $10,000 or more.

In order to earn the APY, you must maintain an average daily balance of $10,000 in your account each month.

The High Yield Savings Introductory APY is guaranteed for 12 months from the opening date.   After the 12 month introductory period our standard variable rate will apply.   Balances will earn the Introductory rate on the first $1,000,000 and a current variable rate of 0.60% on the remaining balance, creating a blended APY. High Yield Savings not available as an IRA investment option or for public funds.  Introductory rate not available to members who have a Citadel High Yield Savings currently or within the past 12 months.  Variable rates subject to change.  Fees may reduce earnings on the account.

**Monthly Inactivity:
A $5.00 monthly inactivity fee will apply if there is no activity on any Citadel account for one year—this fee is waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.

Transaction Limitations:
During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. One (1) free withdrawal or transfer per calendar quarter; $25 for each additional withdrawal or transfer during the same quarter.

Federally Insured by NCUA.