Citadel


Overview / Commentary
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 69th largest credit union in the nation. It was established in 1937 and as of December of 2021, it had grown to 489 employees and 236,493 members at 26 locations. Citadel 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) 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.

20-Month Certificate Special - 2/10/2022

Citadel has added a limited 20-month Certificate Special (1.05% APY, $75k minimum or 1.00% APY, $500 minimum). Available through March 1, 2022.

Citadel Offers $300 Checking Bonus In SE Pennsylvania - 1/14/2022

Citadel (southeast PA) is offering a $300 new checking account bonus now through March 15, 2022. A minimum $500 direct deposit is required.

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Reviews (4)

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

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

Health Grade Components

Overall
NCUA #2099
Year Chartered1937
Employees489
Primary Regulator
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD14.54%
Annual Interest Income$146.3MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$4.65B$4.32B
LoansQ4 2021vs Q4 2020$3.98B$3.67B
DepositsQ4 2021vs Q4 2020$3.97B$3.68B
Equity CapitalQ4 2021vs Q4 2020$454.8MM$392.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$15.6MM$20.5MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$5.9MM$9.5MM
Real Estate OwnedQ4 2021vs Q4 2020$1.1MM$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$10k-High Yield Savings - New Money Only
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%*$25k*-Auxiliary Savings
OTHER TIERS: 0.05% $5 - $25k

Citadel Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Money Market Accounts
OTHER TIERS: 0.15% $2.5k - $75k | 0.20% $75k - $250k
0.25%*$250k*-IRA Money Market Accounts
OTHER TIERS: 0.15% $2.5k - $75k | 0.20% $75k - $250k

Citadel CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$75k-14 Month Bonus CD Special
1.50%$500$75k14 Month CD Special
1.45%$75k-84 Month Bonus CD
1.40%$500-84 Month CD
1.35%$75k-60 Month Bonus CD
1.30%$500-60 Month CD
1.25%$75k-48 Month Bonus CD
1.20%$500-48 Month CD
1.15%$75k-36 Month Bonus CD
1.10%$500-36 Month CD
0.95%$75k-30 Month Bonus CD
0.90%$500-30 Month CD
0.85%$75k-24 Month Bonus CD
0.80%$500-24 Month CD
0.80%$75k-18 Month Bonus CD
0.75%$500-18 Month CD
0.65%$75k-12 Month Bonus CD
0.60%$500-12 Month CD
0.35%$75k-6 Month Bonus CD
0.30%$500-6 Month CD
0.25%$75k-3 Month Bonus CD
0.20%$500-3 Month CD

Citadel IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.55%$75k-14 Month Bonus IRA Special
1.50%$500$75k14 Month IRA Special
1.45%$75k-84 Month Bonus IRA
1.40%$500-84 Month IRA
1.35%$75k-60 Month Bonus IRA
1.30%$500-60 Month IRA
1.25%$75k-48 Month Bonus IRA
1.20%$500-48 Month IRA
1.15%$75k-36 Month Bonus IRA
1.10%$500-36 Month IRA
0.95%$75k-30 Month Bonus IRA
0.90%$500-30 Month IRA
0.85%$75k-24 Month Bonus IRA
0.80%$500-24 Month IRA
0.80%$75k-18 Month Bonus IRA
0.75%$500-18 Month IRA
0.65%$75k-12 Month Bonus IRA
0.60%$500-12 Month IRA
0.35%$75k-6 Month Bonus IRA
0.30%$500-6 Month IRA
0.25%$75k-3 Month Bonus IRA
0.20%$500-3 Month IRA
Locations

Availability



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