Earn More with a 2.00%* Variable APY

Enjoy a variable rate, security, and higher returns.

High Yield Savings Account

Earn more on your savings, and reach your savings goal faster and securely! Citadel's High Yield Savings Account gives you a competitive, variable APY of 2.00%*. With a High Yield Savings Account, you’ll enjoy a high rate without tying up your money for long terms.

Open a High Yield Savings Account today!

Here' s what you need to open an account:

  1. 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).

Competitive Variable Rate

Enjoy a competitive, variable rate that will help you earn more on your savings.

high interest rate savings account

Continue Saving with Ease

You can add more funds to your account easily through several options including mobile deposit, electronic transfer, or in-branch.

savings account with high interest rates

Flexibility

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

savings account with high interest rates

High Yield Savings Rate

2.00%APY
High Yield Savings Account
$10,000+

How long until my savings reach my goal?

Use this calculator to determine how many years an existing savings account will take to reach your stated objective.

Start Calculator

Assumptions

Current savings balance($)

$0 $1,000,000

Desired savings goal($)

$0 $1,500,000

Before tax return on savings (-12 to 12%))

-12% 12%

Marginal tax bracket (-0 to 75%)

0% 75%
Calculate

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

Open a High Yield Savings account today!

Get Started

Fees

$10

Monthly service fee, if balance requirement is not met*

$25

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

$5

Monthly inactivity fee**

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.

high interest rate savings account

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Frequently Asked Questions

Can the variable rate increase?

Yes. If the variable rate increases all existing High Yield Savings Accounts will receive the benefit of the new rate.

Can the variable rate decrease?

Yes.  The variable rate may decrease, however it will not go below the product floor, currently Prime Rate minus 3.75%.

What is a High Yield Savings Account?

A High Yield Savings account is a type of savings account with higher returns.

What types of savings accounts does Citadel offer?

We offer a Star Savings (required for membership), Savings Auxiliary, Money Market, and a High Yield Savings account.

Does Citadel offer a high rate savings account?

Yes, we do offer a high rate savings account which provides a higher return than most standard savings products.

I was guaranteed a rate for a specific period of time when I opened my High Yield Savings. How do changes to the variable rate impact my rate guarantee?

Any accounts that are still within their guaranteed introductory period will receive their guaranteed rate or the variable rate, whichever is higher. View current rates

Still have questions? Contact us today!

*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.


Average Daily Balance Requirement of $10,000 to earn APY and avoid a $10 monthly fee. Variable rate accurate as of December 1, 2018 and subject to change. Variable rate floor is equal to the Prime Rate as listed in the Wall Street Journal less 3.75% and will be adjusted within 5 business days of any change to that rate. Not available as an IRA investment option or for public funds. 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.