Earn More Than 10x the National Average Rate1 with a 3.25% 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. With a High Yield Savings Account, you'll benefit from a great rate without tying up your money for long terms. Schedule an appointment to speak with a representative today!

Here's what you need to open an account:

  1. A minimum of $10,000.3
  2. Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).3
top 1% credit union for savings value 

4 Citadel is recognized as a Forbes 2021 Best-in-State Credit Union and in the top 1 percent for returning value nationwide in the 2021 Callahan & Associates Return to Member scoring.

The Smart Place to Save

High Yield Savings Rate

3.25%APY
High Yield Savings Account
$10,000+

APY = Annual Percentage Yield. Read Full Disclosures.

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.5

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?

Schedule Appointment

Fees

$10

Monthly service fee, if balance requirement is not met3

$25

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

$5

Monthly inactivity fee6

$33

Non-sufficient funds (NSF) 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
video connect

Chat Face-to-Face With Citadel Video Connect

Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

connect now

Find an ATM or Branch Near You

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.

Still have questions? Contact us today!

*High Yield Savings Disclosures

View *High Yield Savings Disclosures

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 6/24/2022.

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.

Balance Requirement: $10,000 minimum opening deposit. Average Daily Balance Requirement of $10,000 to earn APY and avoid a $10 monthly fee. Variable rate accurate as of 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.

Citadel is recognized as a Forbes 2021 Best-in-State Credit Union and in the top 1 percent for returning value nationwide in the 2021 Callahan & Associates Return to Member scoring.

5 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.