Featured Savings Rates
Featured Accounts


Popular Accounts at this Credit Union

2.35%5-year CD60 Month CD
2.25%4-year CD48 Month CD
2.35%5-year IRA60 Month IRA (Traditional, Roth)

Overview / Commentary
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 65th largest credit union in the nation. It was established in 1937 and as of September of 2017, it had grown to 444 employees and 192,659 members at 23 locations. Citadel's savings rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Citadel is open to those who live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, Pennsylvania. Membership is also open to immediate family of existing members. Requirements are listed on the first page of the online application.
See current membership details

Related Posts

Citadel (PA) Raises Rates On Longer Term CDs - 6/13/2017

Citadel (southeast PA) has raised the rates on its 24-months CD (1.75% APY), 36-months CD (2.10% APY), and 48-months CD (2.25% APY). Min deposit is $500.

Citadel Federal Credit Union New Rates - 6/12/2017

12 month at 1.10 24 month at 1.75 36 month at 2.10 60 month at 2.35 There are a few others but these were on the opening page. 90 day penalty year or less, 180 day penalty for early withdrawal over one year. This credit union has a restricted field of membership. Located in Chester County Pennsylvania.

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Reviews (3)

Friendly, helpful, cheap!!

Posted by: itsmark | Jan 26, 2016

My experience with Citadel has been overwhelmingly positive. I've had a checking and savings account with them for years, and have never been unsatisfied. They do not have hidden charges or fees, and are always extremely kind when I need to go into a branch office. Their mobile app is very helpful and lets me deposit checks by taking a picture of them on my phone! I'd highly recommend this FCU.

Auto Loan Fixed 72 Months

Posted by: Tee | Oct 15, 2014

I Have My 72 Month Fixed Rate Auto Loan With Citadel And I Have Found The Customer Service Excellent And Website Very Easy To Use So I Do Highly Recommend Citadel To Everyone

Citadel - So-So

I have banked with Citadel off and on for ten or more years and find that they are only an "OK" financial institution. The benefits of banking at Citadel is that they require that you keep a minimum of only $5 in your savings account. Compared to other financial institutions that is definitely a plus. Their customer service is friendly and they are able to explain charges you incur well. One of my gripes about Citadel is that often they don't tell you up front what charges to expect at what particular time. When you look at your statement and find a negative balance due to charges you did not know you were incurring makes you feel like you have to always check up on them, always read the fine print and then confirm it with them in person to make sure you know what is going on.

Another complaint I have with Citadel is with their online banking system. Every time I log in I must get a security code, either emailed to me or sent to me by phone just to be able to log in. After I log in, I check the box to register the computer, expecting that the next time I won't need to get a security code; however every time I log in the Citadel I must get the security code. I have accounts with other banks, one of which is an online bank. The only reason I maintain the account with Citadel is that there are times when I need to deposit cash which I can't do easily with an online bank.

If it were not for the low minimum balance I can keep and the fact that they are a brick and mortar bank, I probably would not bank with them. As it is now, I use Citadel as a conduit to transfer cash to my online bank account.


Health Grade Components

NCUA #2099
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD9.46%
Annual Interest Income$79.5MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$2.99B$2.73B
LoansQ3 2017vs Q3 2016$2.67B$2.50B
DepositsQ3 2017vs Q3 2016$2.49B$2.21B
Equity CapitalQ3 2017vs Q3 2016$280.1MM$256.2MM
Loan Loss AllowanceQ3 2017vs Q3 2016$10.1MM$9.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$9.1MM$8.8MM
Real Estate OwnedQ3 2017vs Q3 2016$400.00K$313.00K
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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

1.30%$10k-High Yield Savings - Intro Rate (New Money Only)
1.00%*$10k*$1mHigh Yield Savings
OTHER TIERS: 0.35% $1mm+
0.15%*$75k*-Kids Club
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $75k
0.15%*$75k*-Star Savings
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $75k
0.10%--Holiday Club

Citadel Money Market Rates

0.30%*$75k*-Citadel Money Market Accounts
OTHER TIERS: 0.10% $2,500 - $25k | 0.25% $25k - $75k
0.30%*$75k*-Citadel IRA Money Market Accounts
OTHER TIERS: 0.10% $2,500 - $25k | 0.25% $25k - $75k

Citadel Checking Account Rates

0.15%$10k-Citadel STAR Checking
0.15%*$25k*-Citadel STAR Premiere Checking
OTHER TIERS: 0.10% $5k - $25k

Citadel CD Rates

2.40%$500-84 Month CD
2.35%$500-60 Month CD
2.25%$500-48 Month CD
2.10%$500-36 Month CD
1.85%$500-30 Month CD
1.75%$500-24 Month CD
1.25%$500-18 Month CD
1.10%$500-12 Month CD
0.65%$500-6 Month CD
0.45%$500-3 Month CD

Citadel IRA Rates

2.40%$500-84 Month IRA
2.35%$500-60 Month IRA
2.25%$500-48 Month IRA
2.10%$500-36 Month IRA
1.85%$500-30 Month IRA
1.75%$500-24 Month IRA
1.25%$500-18 Month IRA
1.10%$500-12 Month IRA
0.65%$500-6 Month IRA
0.45%$500-3 Month IRA