Holiday Spending or Rainy Day Cash. It’s Your Choice.

Citadel’s Holiday Club Savings account is the perfect way to put money aside throughout the year.

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.

return to saver

The Smart Place to Save

*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.

Holiday Club & Auxiliary Savings Rates

Additional Features

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Monthly fee


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.


Introducing Citadel Video Connect

Chat face-to-face with a Citadel Video Specialist in a secure environment from the comfort of home on your laptop, desktop computer, or mobile device using the Citadel Video Connect app. Please be sure to have your photo ID ready prior to beginning the call. Choose Video Connect above, or learn more about our Video Banking options.

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*Holiday Club and Auxiliary Savings Disclosures

View *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).

*2019 ranking by Callahan & Associates

*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.

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.