The Smart Place to Save
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!
The Smart Place to Save
Grow your savings with a high rate savings account. The more you put away, the more your rate increases.
Online & Mobile Banking
Manage your Citadel Savings account anytime, anywhere, on any device.
Free ATM Transactions
Citadel members can make surcharge-free transactions at more than 28,000 ATMs worldwide.
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.Start quiz
- $5 minimum balance
- The ability to open additional subaccounts at no additional cost
Use our savings account calculator below to determine how many years it will take you to reach your savings goal.
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,2 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 fee3
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.
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
*Star Savings Account Disclosures
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 Citadel is recognized as a Forbes 2021 Best-in-State Credit Union and in the top 1 percent for returning value nationwide in the 2021 Callahan & Associates Return to Member scoring.
2 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
3 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.