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 58th largest credit union in the nation. It was established in 1937 and as of March of 2024, it had grown to 554 employees and 262,396 members at 26 locations. Citadel's savings rates are 8X 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

Reviews (6)

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.

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 - YTD0.53%
Return on Equity - YTD5.8%
Annual Interest Income$71MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$5.97B$5.74B
LoansQ1 2024vs Q1 2023$5.09B$4.99B
DepositsQ1 2024vs Q1 2023$4.87B$4.76B
Equity CapitalQ1 2024vs Q1 2023$539.4MM$493.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$30.1MM$30.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$14.5MM$10.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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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

4.15%$10k-High Yield Savings
4.15%$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

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

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

Citadel CD Rates

5.10%$75k-8 Month Bonus CD
5.10%$75k-Business 8 Month Bonus CD
5.05%$500-8 Month CD
5.05%$500-Business 8 Month CD
4.95%$75k-12 Month Bonus CD
4.95%$75k-Business 12 Month Bonus CD
4.90%$500-12 Month CD
4.90%$500-Business 12 Month CD
4.80%$75k-18 Month Bonus CD
4.80%$75k-Business 18 Month Bonus CD
4.75%$500-18 Month CD
4.75%$500-Business 18 Month CD
4.40%$75k-24 Month Bonus CD
4.40%$75k-Business 24 Month Bonus CD
4.35%$500-24 Month CD
4.35%$500-Business 24 Month CD
4.30%$75k-6 Month Bonus CD
4.30%$75k-Business 6 Month Bonus CD
4.25%$500-6 Month CD
4.25%$75k-30 Month Bonus CD
4.25%$500-Business 6 Month CD
4.25%$75k-Business 30 Month Bonus CD
4.20%$500-30 Month CD
4.20%$500-Business 30 Month CD
4.15%$75k-36 Month Bonus CD
4.15%$75k-Business 36 Month Bonus CD
4.10%$500-36 Month CD
4.10%$500-Business 36 Month CD
4.05%$75k-48 Month Bonus CD
4.05%$75k-Business 48 Month Bonus CD
4.00%$500-48 Month CD
4.00%$500-Business 48 Month CD
3.95%$75k-60 Month Bonus CD
3.95%$75k-Business 60 Month Bonus CD
3.90%$500-60 Month CD
3.90%$75k-84 Month Bonus CD
3.90%$500-Business 60 Month CD
3.90%$75k-Business 84 Month Bonus CD
3.85%$500-84 Month CD
3.85%$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

5.10%$75k-8 Month Bonus IRA
5.05%$500-8 Month IRA
4.95%$75k-12 Month Bonus IRA
4.90%$500-12 Month IRA
4.80%$75k-18 Month Bonus IRA
4.75%$500-18 Month IRA
4.40%$75k-24 Month Bonus IRA
4.35%$500-24 Month IRA
4.30%$75k-6 Month Bonus IRA
4.25%$500-6 Month IRA
4.25%$75k-30 Month Bonus IRA
4.20%$500-30 Month IRA
4.15%$75k-36 Month Bonus IRA
4.10%$500-36 Month IRA
4.05%$75k-48 Month Bonus IRA
4.00%$500-48 Month IRA
3.95%$75k-60 Month Bonus IRA
3.90%$500-60 Month IRA
3.90%$75k-84 Month Bonus IRA
3.85%$500-84 Month IRA
3.55%$75k-3 Month Bonus IRA
3.50%$500-3 Month IRA


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