Featured Savings Rates
Featured Accounts


Popular Accounts at this Credit Union

2.10%5-year CD60 Months CD
2.10%5-year IRA60 Months IRA (Traditional, Roth)
2.00%4-year CD48 Months CD

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 68th largest credit union in the nation. It was established in 1937 and as of December of 2016, it had grown to 448 employees and 181,861 members at 23 locations. Citadel 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.
See current membership details

Related Posts

Get 25k Bonus Points ($250 Value) With New Citadel Checking Account - 11/14/2016

Open a new FREE Checking account at Citadel (SE PA) and receive 25,000 bonus points ($250 cash value). Min $50 deposit and at least 3 POS transactions within 30 days.

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Reviews (5)

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.

Low Energy Bank With Bad Customer Service!!!

Posted by: Bachir | Jan 29, 2016

I have been calling this so called "bank" over the last two days to get my title emailed or faxed so that I can take my vehicle to DMV to change the tag as I have recently moved to WA. My tag will expire on this weekend and today is Friday which means I won't be able to drive my car, that I have been paying for over 52 months, pass Monday. Their customer service sucks and keep transfer me over and over. The title department phone number is not working! What a nightmare. I will never do business with them and if I can give advice to any one, I will tell them to keep away and do business somewhere else!!!!

Bad Practice

Posted by: Anonymous | Dec 12, 2011

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.


Health Grade Components

NCUA #2099
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD9.34%
Annual Interest Income$97.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.76B$2.43B
LoansQ4 2016vs Q4 2015$2.53B$2.17B
DepositsQ4 2016vs Q4 2015$2.29B$2.01B
Equity CapitalQ4 2016vs Q4 2015$260.7MM$236.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$10.7MM$9.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$9.3MM$8.3MM
Real Estate OwnedQ4 2016vs Q4 2015$462.00K$239.00K
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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

0.15%*$75k*-Savings Accounts
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $75k
0.15%*$75k*-Kids Club
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $75k
0.10%--Additional Savings Accounts
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

2.10%$500-60 Months CD
2.00%$500-48 Months CD
2.00%*$75k*-84 Months CD
OTHER TIERS: 1.90% $500 - $25k | 1.95% $25k - $75k
1.85%$500-36 Months CD
1.60%$500-30 Months CD
1.50%$500-24 Months CD
1.10%*$75k*-18 Months CD
OTHER TIERS: 1.00% $500 - $25k | 1.05% $25k - $75k
0.85%$500-12 Months CD
0.40%$500-6 Months CD
0.20%$500-3 Months CD

Citadel IRA Rates

2.10%$500-60 Months IRA
2.00%$500-48 Months IRA
2.00%*$75k*-84 Months IRA
OTHER TIERS: 1.90% $500 - $25k | 1.95% $25k - $75k
1.85%$500-36 Months IRA
1.60%$500-30 Months IRA
1.50%$500-24 Months IRA
1.10%*$75k*-18 Months IRA
OTHER TIERS: 1.00% $500 - $25k | 1.05% $25k - $75k
0.85%$500-12 Months IRA
0.40%$500-6 Months IRA
0.20%$500-3 Months IRA

Citadel has 23 locations. Click to view all Citadel locations.