Reach Your Savings Goal Faster

Citadel is ranked number one in Pennsylvania and the top 1% among all credit unions nationwide for returning value to savers.1

High Yield Savings Account

Earn more on your savings, and reach your savings goal faster with Citadel's High Yield Savings Account. With a High Yield Savings Account, you’ll enjoy a high rate without tying up your money for long terms. Schedule an appointment to speak with a representative today!

Current member? Fill out Citadel's High Yield Savings request form to open an account today.

Here' s what you need to open an account:

  1. A minimum of $10,000 (new money only).2
  2. Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).2

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The Smart Place to Save

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High Yield Savings Rate

High Yield Savings Account

*APY = Annual Percentage Yield. Read Full Disclosures.

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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%

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.3

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

Ready to speak with a representative about opening a High Yield Savings account?

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Monthly service fee, if balance requirement is not met2


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


Monthly inactivity fee4


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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Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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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%.

Still have questions? Contact us today!

*High Yield Savings Disclosures

View *High Yield Savings Disclosures

Federally insured by NCUA.

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to open account and earn APY is $10,000. Fees may reduce earnings.

1 2019 ranking by Callahan & Associates. According to research firm Callahan & Associates, Citadel is ranked number one in Pennsylvania and the top 1% among all credit unions nationwide for returning value to savers.

2 Balance Requirement: $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 08/16/2021 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.

3 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.

4 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.