Save with Citadel

Start saving more with the Citadel Savings account.

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.

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Assumptions

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%
Calculate

Fees

$1

Each balance inquiry at non-Citadel ATMs

$2

Each ATM withdrawal at non-Citadel ATMs

$2

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

$5

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

$5

Monthly inactivity fee**

$5

Service fee to close account within 90 days of opening

Security

  • 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.

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*Savings Account Disclosures

View *Savings Account Disclosures

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.


*Balance Requirements:

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


**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. 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.


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.

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