Featured Savings Rates
Featured Accounts

Citadel

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.70%5-year CD60 Month CD
2.25%4-year CD48 Month CD
2.70%5-year IRA60 Month IRA (Traditional, Roth)

Overview / Commentary
610-380-6000
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 March of 2018, it had grown to 457 employees and 200,743 members at 23 locations. Citadel's savings rates are 3X the national average, and it 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

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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

Health Grade Components

Overall
NCUA #2099
Year Chartered1937
Employees457
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD9.57%
Annual Interest Income$29.0MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$3.12B$2.84B
LoansQ1 2018vs Q1 2017$2.79B$2.54B
DepositsQ1 2018vs Q1 2017$2.62B$2.41B
Equity CapitalQ1 2018vs Q1 2017$293.6MM$268.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$11.2MM$9.2MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$8.6MM$7.2MM
Real Estate OwnedQ1 2018vs Q1 2017$189.00K$149.00K
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
1.50%$10k-High Yield Savings - Intro Rate (New Money Only)
0.70%*-$1mHigh Yield Savings
OTHER TIERS: 0.60% $1mm+
0.15%*$75k*-Kids Club
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $75k
0.15%*$75k*-Star Savings
OTHER TIERS: 0.05% $2,500 - $25k | 0.10% $25k - $75k
0.10%--Holiday Club

Citadel Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$75k*-Citadel Money Market Accounts
OTHER TIERS: 0.10% $2,500 - $25k | 0.30% $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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$10k-Citadel STAR Checking
0.15%*$25k*-Citadel STAR Premiere Checking
OTHER TIERS: 0.10% $5k - $25k

Citadel CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%$500-84 Month CD
2.70%$500-60 Month CD
2.25%$500-48 Month CD
2.10%$500-36 Month CD
1.95%$500-30 Month CD
1.85%$500-24 Month CD
1.75%$500-18 Month CD
1.65%$500-12 Month CD
0.65%$500-6 Month CD
0.45%$500-3 Month CD

Citadel IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.80%$500-84 Month IRA
2.70%$500-60 Month IRA
2.25%$500-48 Month IRA
2.10%$500-36 Month IRA
1.95%$500-30 Month IRA
1.85%$500-24 Month IRA
1.75%$500-18 Month IRA
1.65%$500-12 Month IRA
0.65%$500-6 Month IRA
0.45%$500-3 Month IRA
Locations

Availability



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