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 59th largest credit union in the nation. It was established in 1937 and as of September of 2022, it had grown to 528 employees and 249,820 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

Related Posts

Citadel (SE PA) Boosts 36-Month Bonus CD Rate - 9/15/2022

Citadel (southeast PA) has boosted the rates on the 36-month Bonus CD ($75k minimum) and 36-month CD ($500 minimum) to near rate leading levels.

Citadel (SE PA) Extends $300 Checking Account Bonus - 6/28/2022

Citadel (southeast PA) has extended its $300 new checking account bonus through December 31, 2022. A minimum $500 direct deposit is required.

Citadel (SE PA) Adds Two Competitive 14-Month CD Specials - 4/30/2022

Citadel (southeast PA) is offering two limited-time 14-month CD Specials earning 1.50% APY ($500 min) and 1.55% APY ($75k min). Available now through May 25, 2022.

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Reviews (5)

Friendly, helpful, cheap!!

Posted by: |

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: |

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

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.

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.

The Worst Of The Worst

Posted by: |

After having had a number of issues I finally had enough when they put my savings account on Hold after I had made a large transfer to said account.

Their reasoning; they weren’t sure if the account where the funds came from was mine. Rather strange given I had been making regular transfers from the same account for 8 years. Try as I may, they have a hold on my account and I cannot get to my money.

I wonder what hoops they would make somebody jump through if you dare receive money from somebody else?

The most pathetic bank I have ever dealt with ... by far.


Health Grade Components

NCUA #2099
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD1.35%
Return on Equity - YTD14.85%
Annual Interest Income$131.1MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$5.46B$4.57B
LoansQ3 2022vs Q3 2021$4.79B$3.91B
DepositsQ3 2022vs Q3 2021$4.48B$3.84B
Equity CapitalQ3 2022vs Q3 2021$479.1MM$437.0MM
Loan Loss AllowanceQ3 2022vs Q3 2021$16.1MM$17.0MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$9.0MM$6.9MM
Real Estate OwnedQ3 2022vs Q3 2021$0$301.00K
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Always verify rates and promotions with the bank or credit union. We are not Citadel; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citadel Savings Account Rates

3.75%$10k-High Yield Savings
3.75%$10k-Business High Yield Savings
0.10%--Holiday Club
0.10%*$25k*-Kids Club
OTHER TIERS: 0.05% $5 - $25k
0.10%*$25k*-Star Savings
OTHER TIERS: 0.05% $5 - $25k
0.10%*$5$25kAuxiliary Savings
OTHER TIERS: 0.05% $25k+
0.10%*$25k*-Business Savings
OTHER TIERS: 0.05% $5 - $25k
0.10%*$25k*-Business Star Savings
OTHER TIERS: 0.05% $5 - $25k

Citadel Money Market Rates

0.60%*$250k*-Money Market Accounts
OTHER TIERS: 0.40% $2.5k - $75k | 0.45% $75k - $250k
0.60%*$250k*-IRA Money Market Accounts
OTHER TIERS: 0.40% $2.5k - $75k | 0.45% $75k - $250k
0.60%*$250k*-Business Money Market Accounts
OTHER TIERS: 0.40% $2.5k - $75k | 0.45% $75k - $250k

Citadel Checking Account Rates

0.10%*$10k*-Elite Business Checking
OTHER TIERS: 0.05% $5k - $10k
0.05%$5k-Cashback Reward Checking

Citadel CD Rates

4.55%$500-30 Month Bonus CD Special
4.50%$500-30 Month CD Special
4.50%$500-Business 30 Months CD Special
4.30%$75k-20 Month Bonus CD Special
4.25%$500-20 Month CD Special
4.25%$75k-60 Month Bonus CD
4.25%$75k-84 Month Bonus CD
4.25%$75k-Business 60 Month Bonus CD
4.25%$75k-Business 84 Month Bonus CD
4.25%$500-Business 20 Months CD Special
4.20%$500-60 Month CD
4.20%$500-84 Month CD
4.20%$500-Business 60 Month CD
4.20%$500-Business 84 Month CD
4.15%$75k-48 Month Bonus CD
4.15%$75k-Business 48 Month Bonus CD
4.10%$500-48 Month CD
4.10%$500-Business 48 Month CD
4.05%$75k-36 Month Bonus CD
4.05%$75k-Business 36 Month Bonus CD
4.00%$500-36 Month CD
4.00%$500-Business 36 Month CD
3.80%$75k-24 Month Bonus CD
3.80%$75k-Business 24 Month Bonus CD
3.75%$500-24 Month CD
3.75%$500-Business 24 Month CD
3.70%$75k-18 Month Bonus CD
3.70%$75k-Business 18 Month Bonus CD
3.65%$500-18 Month CD
3.65%$500-Business 18 Month CD
2.70%$75k-12 Month Bonus CD
2.70%$75k-Business 12 Month Bonus CD
2.65%$500-12 Month CD
2.65%$500-Business 12 Month CD
1.05%$75k-6 Month Bonus CD
1.05%$75k-Business 6 Month Bonus CD
1.00%$500-6 Month CD
1.00%$500-Business 6 Month CD
0.85%$75k-3 Month Bonus CD
0.85%$75k-Business 3 Month Bonus CD
0.80%$500-3 Month CD
0.80%$500-Business 3 Month CD

Citadel IRA Rates

4.50%$500-30 Month IRA Special
4.25%$500-20 Month IRA Special
4.25%$75k-60 Month Bonus IRA
4.25%$75k-84 Month Bonus IRA
4.20%$500-60 Month IRA
4.20%$500-84 Month IRA
4.15%$75k-48 Month Bonus IRA
4.10%$500-48 Month IRA
4.05%$75k-36 Month Bonus IRA
4.00%$500-36 Month IRA
3.80%$75k-24 Month Bonus IRA
3.75%$500-24 Month IRA
3.70%$75k-18 Month Bonus IRA
3.65%$500-18 Month IRA
2.70%$75k-12 Month Bonus IRA
2.65%$500-12 Month IRA
1.05%$75k-6 Month Bonus IRA
1.00%$500-6 Month IRA
0.85%$75k-3 Month Bonus IRA
0.80%$500-3 Month IRA


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The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.