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520 Eagleview Blvd
Exton, PA 19341

Citadel Credit Union is headquartered in Exton and is the 4th largest credit union in the state of Pennsylvania. It is also the 90th largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 367 employees and 148,000 members. Citadel Credit Union has a B+ health rating.

Field of Membership Restrictions

To become a member, you must live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster. You can also become a Citadel customer if a member of your family or household is already a customer, no matter where you live. - See Details

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Reviews (1)

Bad Practice

Had a loan with Citadel, paid off loan ($16K), and have a small unsecured loan about $690.00. I called to see where my title was on the vehicle, and they told me they were holding the title until the small signature loan was paid off.

How is this legal, thanks Citadel, I will NEVER do ANY banking with you again, nor will I ever recommend you to anyone I know.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Citadel Credit Union had $9.43 million in non-current loans and owned real-estate with $207.6 million in equity and loan loss allowances on hand to cover it. This gives Citadel Credit Union a Texas Ratio of 4.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Citadel Credit Union experienced no significant changes from 4.91% as of March 31, 2013 to 4.54% as of March 31, 2014, resulting in a positive change of 7.50%.This indicates that the balance sheet and financial strength for Citadel Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Citadel Credit Union has decreased its total deposits by -$22.98 million, resulting in -1.37% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citadel Credit Union has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citadel Credit Union has $1.93 billion in assets with $207.6 million in equity, resulting in a capitalization level of 10.77%, which is above average.

Institution Statistics

NCUA #2099
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$1.93 billion
Loans$1.62 billion
Deposits$1.65 billion
Equity Capital$198.68 million
Loan Loss Allowance$8.92 million
Unbacked Noncurrent Loans$7.96 million
Real Estate Owned$1.47 million
Historic Data - March 2013
Assets$1.90 billion
Equity Capital$190.12 million
Loan Loss Allowance$9.71 million
Unbacked Noncurrent Loans$7.96 million
Real Estate Owned$1.91 million
Profit Margin - Quarterly
Net Interest Margin0.8%
Return on Assets1.04%
Return on Equity10.12%
Interest Income$16.88 million

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Citadel Credit Union Savings Account Rates

0.15%$75k-Savings Account
0.15%$75k-Kids Club
0.10%--Additional Savings Account
0.10%--Holiday Club

Citadel Credit Union Money Market Rates

0.20%$75k-Citadel Money Market Account
0.20%$75k-Citadel IRA Money Market Account
0.20%$75k-Citadel Roth IRA Money Market Account

Citadel Credit Union Checking Account Rates

0.15%$10k-Citadel STAR Checking
0.15%$25k-Citadel STAR Premiere Checking

Citadel Credit Union CD Rates

2.35%$75k-84 Month CD
2.25%$75k-60 Month CD
1.85%$75k-48 Month CD
1.35%$75k-36 Month CD
1.25%$75k-30 Month CD
1.05%$75k-24 Month CD
1.00%$75k-18 Month CD
0.85%$500-12 Month CD
0.30%$500-6 Month CD
0.10%$500-3 Month CD

Citadel Credit Union IRA Rates

2.35%$75k-84 Month IRA
2.25%$75k-60 Month IRA
1.85%$75k-48 Month IRA
1.35%$75k-36 Month IRA
1.25%$75k-30 Month IRA
1.05%$75k-24 Month IRA
1.00%$75k-18 Month IRA
0.85%$500-12 Month IRA
0.30%$500-6 Month IRA
0.10%$500-3 Month IRA

Citadel Credit Union has 15 locations. Click to view all Citadel Credit Union locations.