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Citadel


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.citadelbanking.com
800-666-0191
520 Eagleview Blvd
Exton, PA 19341

Citadel is headquartered in Exton and is the 4th largest credit union in the state of Pennsylvania. It is also the 57th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 565 employees and 268,083 members at 26 locations. Citadel's savings rates are 7X the national average, and it has an A health rating.

Field of Membership Restrictions

Citadel membership is open to those who live, work, worship, or attend school in the Pennsylvania counties of Bucks, Chester, Delaware, Lancaster, Montgomery, or Philadelphia. Relatives of anyone eligible to join Citadel also qualify for membership, regardless of residency status.
See current membership details

Reviews (2)

Great Bank

Posted by: |

I’ve been banking with Citidel for many years now. We have our mortgage with them and some certificates of deposits. We have been very happy with them through the years on the way they our account.

2

A Lot Of Caveats

Posted by: |

The high yield savings referenced on this site has a $10,000 minimum balance and only permits withdrawals once a quarter (additional withdrawals cost $25 each). There are much better options with an identical interest rate.

3


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #2099
Year Chartered1937
Employees565
Primary Regulator
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD7.22%
Annual Interest Income$78.7MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$6.28B$5.97B
LoansQ1 2025vs Q1 2024$5.42B$5.09B
DepositsQ1 2025vs Q1 2024$5.25B$4.87B
Equity CapitalQ1 2025vs Q1 2024$579.2MM$539.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$36.4MM$30.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$17.5MM$14.5MM
Real Estate OwnedQ1 2025vs Q1 2024$72K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citadel Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$10k-High Yield Savings w/ Tier5 Ultimate Growth Checking
3.70%$10k-High Yield Savings w/ Tier4 Ultimate Growth Checking
3.65%$10k-High Yield Savings w/ Tier3 Ultimate Growth Checking
3.62%$10k-High Yield Savings w/ Tier2 Ultimate Growth Checking
3.60%$10k-High Yield Savings
3.60%$10k-Business High Yield Savings
0.30%*$75k*-Kids Club
OTHER TIERS: 0.10% → $5 - $2.5k | 0.20% → $2.5k - $25k | 0.25% → $25k - $75k
0.30%*$75k*-Star Savings
OTHER TIERS: 0.10% → $5 - $2.5k | 0.15% → $2.5k - $25k | 0.25% → $25k - $75k
0.30%*$75k*-Auxiliary Savings
OTHER TIERS: 0.10% → $5 - $2.5k | 0.15% → $2.5k - $25k | 0.25% → $25k - $75k
0.30%*$75k*-Business Star Savings
OTHER TIERS: 0.10% → $5 - $2.5k | 0.15% → $2.5k - $25k | 0.25% → $25k - $75k
0.10%$0-Holiday Club
0.10%*$25k*-Business Savings
OTHER TIERS: 0.05% → $5 - $25k

Citadel Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$250k*-Money Market Accounts
OTHER TIERS: 0.45% → $2.5k - $25k | 0.50% → $25k - $75k | 0.55% → $75k - $250k
0.75%*$250k*-IRA Money Market Accounts
OTHER TIERS: 0.45% → $2.5k - $25k | 0.50% → $25k - $75k | 0.55% → $75k - $250k
0.75%*$250k*-Business Money Market Accounts
OTHER TIERS: 0.45% → $2.5k - $25k | 0.50% → $25k - $75k | 0.55% → $75k - $250k

Citadel Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Elite Business Checking
OTHER TIERS: 0.05% → $5k - $10k
0.20%*$40k*-Ultimate Growth Checking
OTHER TIERS: 0.05% → $5k - $10k | 0.10% → $10k - $20k | 0.15% → $20k - $40k

Citadel CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%$75k-24 Month Bonus CD
4.30%$75k-30 Month Bonus CD
4.30%$75k-36 Month Bonus CD
4.30%$75k-Business 24 Month Bonus CD
4.30%$75k-Business 30 Month Bonus CD
4.30%$75k-Business 36 Month Bonus CD
4.25%$500-24 Month CD Special
4.25%$500-30 Month CD Special
4.25%$500-36 Month CD Special
4.25%$500-Business 24 Month CD Special
4.25%$500-Business 30 Month CD Special
4.25%$500-Business 36 Month CD Special
4.05%$75k-6 Month Bonus CD
4.05%$75k-12 Month Bonus CD
4.05%$75k-48 Month Bonus CD
4.05%$75k-60 Month Bonus CD
4.05%$75k-84 Month Bonus CD
4.05%$75k-Business 6 Month Bonus CD
4.05%$75k-Business 12 Month Bonus CD
4.05%$75k-Business 48 Month Bonus CD
4.05%$75k-Business 60 Month Bonus CD
4.05%$75k-Business 84 Month Bonus CD
4.00%$500-6 Month CD
4.00%$500-12 Month CD
4.00%$500-48 Month CD
4.00%$500-60 Month CD
4.00%$500-84 Month CD
4.00%$500-Business 6 Month CD
4.00%$500-Business 12 Month CD
4.00%$500-Business 48 Month CD
4.00%$500-Business 60 Month CD
4.00%$500-Business 84 Month CD
3.95%$75k-18 Month Bonus CD
3.95%$75k-Business 18 Month Bonus CD
3.90%$500-18 Month CD
3.90%$500-Business 18 Month CD
3.55%$75k-3 Month Bonus CD
3.55%$75k-Business 3 Month Bonus CD
3.50%$500-3 Month CD
3.50%$500-Business 3 Month CD

Citadel IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.30%$75k-24 Month Bonus IRA
4.30%$75k-30 Month Bonus IRA
4.30%$75k-36 Month Bonus IRA
4.25%$500-30 Month IRA Special
4.25%$500-24 Month IRA Special
4.25%$500-36 Month IRA Special
4.05%$75k-6 Month Bonus IRA
4.05%$75k-12 Month Bonus IRA
4.05%$75k-48 Month Bonus IRA
4.05%$75k-60 Month Bonus IRA
4.05%$75k-84 Month Bonus IRA
4.00%$500-6 Month IRA
4.00%$500-12 Month IRA
4.00%$500-48 Month IRA
4.00%$500-60 Month IRA
4.00%$500-84 Month IRA
3.95%$75k-18 Month Bonus IRA
3.90%$500-18 Month IRA
3.55%$75k-3 Month Bonus IRA
3.50%$500-3 Month IRA
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