The Smart Place to Save

Citadel is ranked number one in Pennsylvania and the top 1% among all credit unions nationwide for returning value to savers.1

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!

Open a Star Savings account today with Citadel and watch your savings soar!

return to saver

The Smart Place to Save

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Star Savings Rates

*APY = Annual Percentage Yield. Read Full Disclosures.

Open An Account

Additional Features

  • $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.

Best For...
Those looking for a savings account with high interest rates
Customers looking to determine which is the best bank account to jump-start their savings

Ready to speak with a representative about Citadel's Star Savings account?

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How long until my savings reach my goal?

Use this calculator to determine how many years an existing savings account will take to reach your stated objective.

Start Calculator


Current savings balance($)

$0 $1,000,000

Desired savings goal($)

$0 $1,500,000

Before tax return on savings (-12 to 12%))

-12% 12%

Marginal tax bracket (-0 to 75%)

0% 75%



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.

savings with highest interest rate
video connect

Introducing Citadel Video Connect

We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.

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Find an ATM or Branch Near You

Frequently Asked Questions

What types of savings accounts does Citadel offer?
We offer a Star Savings (required for membership), Savings Auxiliary, Money Market, and a High Yield Savings account.
Does Citadel offer a high rate savings account?
Yes, we do offer a high rate savings account which provides a higher return than most standard savings products.

Still have questions? Visit our help center.

*Star Savings Account Disclosures

View *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 2019 ranking by Callahan & Associates. 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.

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.