Save with Citadel

Start saving more with the Citadel Savings account.

How long until my savings reach my goal?

Compound interest can have a dramatic affect on the growth of a single deposit. 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%



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


Each ATM balance inquiry at a non-Citadel ATM


Monthly service fee, 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


Service fee to close account within 90 days of opening


Annual inactive fee, waived if customer has $100 or more on deposit


  • 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.


*Agreements and Disclosures

View *Agreements and Disclosures

Information accurate as of and is subject to change without notice.

All Citadel accounts are federally insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government.

• Minimum balance is $5.
• Minimum balance to earn APY is $2,500. Fees may reduce earnings.
• 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 

Kids Club members will receive a birthday card, to be redeemed and deposited at a Citadel branch, on every birthday, up until 12 years old.

Federally Insured by NCUA


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.

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