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 2018, it had grown to 457 employees and 205,484 members at 24 locations. Citadel has an A health rating.

Field of Membership Restrictions

Citadel membership is open to those who reside, worship, attend school or work in the following counties of Pennsylvania: Chester, Bucks, Delaware, Montgomery, Philadelphia or Lancaster. Eligibility can also be extended to family or household individuals.
See current membership details

Related Posts

2.00% High Yield Savings Guaranteed For 12-Months - 9/16/2018

Here's how to get your guaranteed rate: Open a new Citadel High Yield Savings Account with a minimum of $10,000 (new money only). Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee). 2.00% APY High Yield Savings Account Guaranteed For 12-Months $0 - $1,000,000

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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 - YTD0.97%
Return on Equity - YTD10.35%
Annual Interest Income$90.1MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$3.27B$2.99B
LoansQ3 2018vs Q3 2017$2.97B$2.67B
DepositsQ3 2018vs Q3 2017$2.65B$2.49B
Equity CapitalQ3 2018vs Q3 2017$310.0MM$280.1MM
Loan Loss AllowanceQ3 2018vs Q3 2017$12.0MM$10.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$9.6MM$9.1MM
Real Estate OwnedQ3 2018vs Q3 2017$109.00K$400.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

2.00% High Yield Savings Guaranteed For 12-Months

IvoryMale   |  
Here's how to get your guaranteed rate:

Open a new Citadel High Yield Savings Account with a minimum of $10,000 (new money only).
Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).

2.00% APY High Yield Savings Account Guaranteed For 12-Months
$0 - $1,000,000


Rates for Citadel are currently being reviewed.



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