Save More Today

Start saving more money with a Citadel Money Market account. You’ll enjoy a low minimum balance and a consistently higher rate that increases as your balance grows.

Money Market Account

Looking for the best money market account to jump start your savings? At Citadel, we've got you covered! You’ll enjoy a low minimum balance and a consistently higher rate that increases as your balance grows.

View our Money Market account rates below.

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.

Money Market Rates

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Additional Features

  • Free Online & Mobile Banking
  • Easy access to your money by simply writing a check or visiting any convenient Citadel branch
  • Multiple ways to save including direct deposit, mobile deposit, and online banking transfers

Contact us today to learn more about our Money Market accounts.



Monthly service fee, if balance requirement is not met; waived for 60 days following account opening* Monthly service fee does not apply to any account held by a member under age 21.


Paper account statement fee (excludes ages under 21 and age 70 years of age and older)


Monthly inactivity fee**


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.

what is money market account

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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*Money Market Disclosures

View *Money Market Disclosures

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 $2,500. Fees may reduce earnings.

*2019 ranking by Callahan & Associates

*Balance Requirements:

  • After 60 days, the monthly service fee is waived if the average daily balance is $2,500 or more.

**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. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.

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.

Frequently Asked Questions

How does a Money Market account work?
A Money Market is an account that allows for slightly higher interest rates than standard accounts but still allows flexibility with your funds.
How do interest rates on Money Market accounts work?
Interest is earned on balances as low as $2500, with various rates depending on the tier.
What are today's best Money Market account rates?
For today's best Money Market rates, please see Citadel's Great Rates, Low fees page and select "Savings & Money Markets" in the drop-down box.
How many Money Market accounts can I have?
One account may have up to 10 Money Market shares.
What is a Money Market account?
A Money Market account is a type of savings account that yields a higher return with low minimums.
Which is the best Money Market account for me?
We currently offer one type of Money Market account that will fit your needs.

Still have questions? Visit our help center.