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Citadel


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.citadelbanking.com
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 57th largest credit union in the nation. It was established in 1937 and as of September of 2024, it had grown to 547 employees and 264,200 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

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Reviews (2)

Great Bank

Posted by: |

I’ve been banking with Citidel for many years now. We have our mortgage with them and some certificates of deposits. We have been very happy with them through the years on the way they our account.

2

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.

3


Health
A

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #2099
Year Chartered1937
Employees547
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD6.45%
Annual Interest Income$222.3MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$6.05B$5.76B
LoansQ3 2024vs Q3 2023$5.27B$5.08B
DepositsQ3 2024vs Q3 2023$4.96B$4.59B
Equity CapitalQ3 2024vs Q3 2023$563.3MM$516.1MM
Loan Loss AllowanceQ3 2024vs Q3 2023$32MM$30.5MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$20.1MM$18.3MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/23/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.70%$10k-High Yield Savings
3.70%$10k-Business High Yield Savings
0.30%*$75k*-Kids Club
OTHER TIERS: 0.10% → $5 - $2.5k | 0.20% → $2.5k - $25k | 0.25% → $25k - $75k
0.30%*$75k*-Star Savings
OTHER TIERS: 0.10% → $5 - $2.5k | 0.15% → $2.5k - $25k | 0.25% → $25k - $75k
0.30%*$75k*-Auxiliary Savings
OTHER TIERS: 0.10% → $5 - $2.5k | 0.15% → $2.5k - $25k | 0.25% → $25k - $75k
0.30%*$75k*-Business Star Savings
OTHER TIERS: 0.10% → $5 - $2.5k | 0.15% → $2.5k - $25k | 0.25% → $25k - $75k
0.10%$0-Holiday Club
0.10%*$25k*-Business Savings
OTHER TIERS: 0.05% → $5 - $25k

Citadel Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$250k*-Money Market Accounts
OTHER TIERS: 0.45% → $2.5k - $25k | 0.50% → $25k - $75k | 0.55% → $75k - $250k
0.75%*$250k*-IRA Money Market Accounts
OTHER TIERS: 0.45% → $2.5k - $25k | 0.50% → $25k - $75k | 0.55% → $75k - $250k
0.75%*$250k*-Business Money Market Accounts
OTHER TIERS: 0.45% → $2.5k - $25k | 0.50% → $25k - $75k | 0.55% → $75k - $250k

Citadel Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$10k*-Elite Business Checking
OTHER TIERS: 0.05% → $5k - $10k
0.05%$5k-Cashback Reward Checking

Citadel CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$75k-6 Month Bonus CD
4.25%$75k-12 Month Bonus CD
4.25%$75k-Business 6 Month Bonus CD
4.25%$75k-Business 12 Month Bonus CD
4.20%$500-6 Month CD
4.20%$500-12 Month CD
4.20%$500-Business 6 Month CD
4.20%$500-Business 12 Month CD
4.05%$75k-18 Month Bonus CD
4.05%$75k-24 Month Bonus CD
4.05%$75k-30 Month Bonus CD
4.05%$75k-Business 18 Month Bonus CD
4.05%$75k-Business 24 Month Bonus CD
4.05%$75k-Business 30 Month Bonus CD
4.00%$500-18 Month CD
4.00%$500-24 Month CD
4.00%$500-30 Month CD
4.00%$75k-36 Month Bonus CD
4.00%$500-Business 18 Month CD
4.00%$500-Business 24 Month CD
4.00%$500-Business 30 Month CD
4.00%$75k-Business 36 Month Bonus CD
3.95%$500-36 Month CD
3.95%$500-Business 36 Month CD
3.90%$75k-48 Month Bonus CD
3.90%$75k-Business 48 Month Bonus CD
3.85%$500-48 Month CD
3.85%$500-Business 48 Month CD
3.80%$75k-60 Month Bonus CD
3.80%$75k-Business 60 Month Bonus CD
3.75%$500-60 Month CD
3.75%$500-Business 60 Month CD
3.70%$75k-84 Month Bonus CD
3.70%$75k-Business 84 Month Bonus CD
3.65%$500-84 Month CD
3.65%$500-Business 84 Month CD
3.55%$75k-3 Month Bonus CD
3.55%$75k-Business 3 Month Bonus CD
3.50%$500-3 Month CD
3.50%$500-Business 3 Month CD

Citadel IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$75k-6 Month Bonus IRA
4.25%$75k-12 Month Bonus IRA
4.20%$500-6 Month IRA
4.20%$500-12 Month IRA
4.05%$75k-18 Month Bonus IRA
4.05%$75k-24 Month Bonus IRA
4.05%$75k-30 Month Bonus IRA
4.00%$500-18 Month IRA
4.00%$500-24 Month IRA
4.00%$500-30 Month IRA
4.00%$75k-36 Month Bonus IRA
3.95%$500-36 Month IRA
3.90%$75k-48 Month Bonus IRA
3.85%$500-48 Month IRA
3.80%$75k-60 Month Bonus IRA
3.75%$500-60 Month IRA
3.70%$75k-84 Month Bonus IRA
3.65%$500-84 Month IRA
3.55%$75k-3 Month Bonus IRA
3.50%$500-3 Month IRA
Locations

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