Teach Your Kids to Save

Are you ready to teach your child smart saving habits? The Citadel Kids Club account is perfect for your family.

Kids Club Star Savings

When you open a Star Savings account for your child, they’re automatically enrolled in our Kids Club account. Kids Club members receive a birthday card every year for $10 to be redeemed and deposited at any Citadel branch, on every birthday, including your 12th birthday.

The Smart Place to Save

Kids Club Star Savings Rates

*APY = Annual Percentage Yield. Read Full Disclosures.

Not sure which Savings account is right for you? Take our quick quiz to determine which option best fits your needs.

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Additional Features

  • No monthly fees
  • Free Online & Mobile Banking
  • Add one of Citadel’s Teen Debit Accounts at age 13 to start developing everyday spending skills



No fees apply until your child turns 131


  • 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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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

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Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to earn APY is dependent on account type. Fees may reduce earnings. Rates are variable and may change after account opening.

Kids Club members will receive a birthday card to be redeemed and deposited at a Citadel branch, on every birthday, up to and including your 12th birthday. Limit one Birthday Reward per eligible child, per year. The Savings account needs to be opened in child’s name, as primary account owner, to be eligible for Kid’s Club Birthday Reward. Monthly inactivity fee is waived up to age 13 and can easily be avoided with transaction activity every year or total deposit balances of $500 or more. Monthly service fee is waived up to age 21. For a complete list of all service fees visit citadelbanking.com/Fees