Log in
Earn 4.20% APY on a 6 Month or 12 Month IRA Certificate*
IRA Certificates
Right now, earn 4.20% APY on your choice of a 6 Month or 12 Month Certificate!*
An IRA Certificate from Citadel is a simple, no-risk way to save for your retirement. If you have at least $500 to invest, Citadel IRA Certificates—also known as CDs or certificates of deposit at other financial institutions—can help you reach your retirement goal sooner.
Benefits of a Citadel Certificate:
- Low-risk investment
- Deposits are federally insured by the NCUA up to $250,000
- Special bonus rates on deposits of $75,000 or more
Schedule an appointment to speak with a representative today!
Want to connect with an expert now?
Video ChatAdditional Features
- No monthly fees
- Free Online & Mobile Banking
- Superior, personalized customer service
IRA Certificate Rates
*APY = Annual Percentage Yield. Read Full Disclosures.
Earn more on deposits of $75,000 or more.
Ready to speak with a representative about opening a IRA Certificate account?
Schedule AppointmentAre my current retirement savings sufficient?
Are my current retirement savings sufficient?
One method of retirement planning is to project what you are currently saving and have accumulated to date and see if you will have enough to meet your retirement objectives. Use this calculator to determine when/if the money will run out during retirement and it will recommend additional savings if required.
Retirement Savings and Assumptions
CalculateFees
$10
Closing service fee (if applicable)
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.
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
Find an ATM or Branch Near You
Frequently Asked Questions
A Roth IRA is a retirement savings account that provides federally tax-free growth and withdrawals once the account has been open for 5 years and you are 59½ years of age. Contributions can be withdrawn at any time, tax and penalty-free.
A traditional IRA is a retirement savings account that provides federally tax-deferred growth. Withdrawals after the age of 59½ are taxed at your tax rate at that time. Contributions may be tax-deductible. Withdrawals before the age of 59½ are subject to taxes and a 10% federal penalty.
Anyone with earned income under the age of 70½ can contribute to a traditional IRA. Roth IRAs are restricted to those who do not exceed certain modified adjusted gross income limits.
Traditional IRA contributions may be tax-deductible. Roth IRA contributions cannot be deducted.
(Subject to certain rules. Consult your tax advisor.)
A rollover IRA is a retirement savings account specifically designed to receive transfers from a previous employer-sponsored retirement plan, such as a 401(k) or 403(b). Benefits include:
• Retention of tax-deferred status of your retirement savings
• Consolidation of your retirement accounts for simplified management and greater control
• A wider variety of investment choices, letting you find investments that more closely fit your financial goals and style
• Opportunity for your retirement savings to continue growing
(Subject to certain rules. Consult your tax advisor.)
$5,500 if you are under age 50, $6,500 if you are 50 or older.
(Subject to certain rules. Consult your tax advisor.)
Still have questions? Visit our help center.
Federally insured by NCUA.
*Additional Information: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.