Holiday Spending or Rainy Day Cash. It’s Your Choice.
Holiday Club & Auxiliary Savings
Save money for holiday shopping or just a rainy day fund. Our Holiday Club Savings account puts your money aside and grows with no minimum balance. Each year, the money is automatically transferred into your Citadel Savings account.
Grow your holiday savings with a competitive rate.
No Minimum Balance
Your account earns returns on every dollar with no minimum balance.
Each year on October 1, your savings will automatically be deposited into your Citadel Savings account.
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Paper account statement fee (excludes ages under 21 and age 70 years of age and older)
Monthly inactivity* fee on Auxiliary Savings only
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.
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*Holiday Club and Auxiliary Savings Disclosures
Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY).
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.
Holiday Club Transaction Limitations:
On October 1 of each year, the funds in Your Account will be transferred to Your Share Savings Account that You have with Us. Any other withdrawal of any of the funds in Your Account will cause Your Account to be subject to closure.
Auxiliary Savings 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.
Federally insured by NCUA.