Earn More Than 10x the National Average Rate1 with a 4.15% APY2

Reach your savings goal faster with a High Yield Savings Account from Citadel Credit Union.

High Yield Savings Account

Earn more than 10x the national average rate and reach your savings goal faster with Citadel's High Yield Savings Account. You'll benefit from a great rate without tying up your money for long terms. Just maintain a balance of $10,000 or more to earn interest.3

It's easy to open an account:

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High Yield Savings Rate

High Yield Savings Account

*APY = Annual Percentage Yield. Read Full Disclosures.

Additional Features

Withdrawing Funds:

Your first withdrawal or transfer per calendar quarter is free, each additional withdrawal or transfer during the same quarter will incur a $25 fee.4

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

Not sure which Savings account is right for you? Take our quick quiz to determine which option best fits your needs.

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


Monthly inactivity fee5


Non-sufficient funds (NSF) 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.

high interest rate savings account
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Federally insured by NCUA.

The National Average is based on the APY of savings accounts with a minimum balance of at least $2,500 offered by active credit unions as reported by the NCUA from S&P Global Intelligence databases. National Average rate effective as of 3/29/2024.

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 $10,000. Fees may reduce earnings. HYS rates are variable and may change after account opening.

Minimum Balance Requirements: You must maintain a daily balance of at least $10,000.00 in Your Account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements.

4 Transaction Limits: 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.

Monthly Inactivity Fee: 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.