The Smart Place to Save

A savings account is essential for building financial strength. Find the one that works best for you.

Star Savings

Our Star Savings account has a high rate that gets better the more you save. At Citadel, we're here to help your savings grow. We will help guide you through the process to decide which is the best bank account to jump-start your savings.

Schedule an appointment to learn about the types of savings accounts we offer, our savings account rates and more today!

Star Savings Rates

*APY = Annual Percentage Yield. Read Full Disclosures.

Open An Account

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

  • $5 minimum balance
  • The ability to open additional subaccounts at no additional cost



Each balance inquiry at non-Citadel ATMs


Each ATM withdrawal at non-Citadel ATMs


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


Monthly service fee,1 waived for 60 days following account opening. May be waived after 60 days if one of five criteria is met*. Monthly service fee does not apply to any account held by a member under age 21


Monthly inactivity fee2


Service fee to close account within 90 days of opening


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.

savings with highest interest rate
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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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Find an ATM or Branch Near You

Federally insured by NCUA.

Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to open account and earn APY is $5.00. Fees may reduce earnings.

1 Balance Requirement: After 60 days, the monthly service fee is waived if one of the following criteria is met:

Active Citadel checking account

Citadel Mastercard® with activity in the last 90 days

Combined household deposit balance of $1,500

Combined household deposit, investment and loan balance of $2,500

A loan balance greater than $0

2 Monthly Inactivity Fee: 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.

Additional Information: 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.