Earn 4.25% APY on a 24, 30, or 36 Month Certificate*
Citadel Certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a simple, risk-free way to reach your savings goal sooner. Now you can earn 4.25% APY on a term that works best for your needs. Choose from our 24, 30, or 36 Month Certificates and get the same great rate. Once the Certificate matures, you can renew it or access your original investment, plus the return it earned. All you need is $500* to get started. These special rates are also available for IRA Certificates.
Current Members - Open in Online Banking | New to Citadel? Open an Account Online Today
If you prefer to speak with a representative, you can schedule an appointment, or chat with us face-to-face with video chat.
Have a savings goal? We have a Certificate for that. Let us help you choose the best Certificate for your nest egg. Call us today at (844) 499-0429.
Current members can open a new Certificate in Online or Mobile Banking.
With rates that are consistently higher than other financial institutions, you can lock in your chosen rate for the life of your Certificate and enjoy a low-risk investment.
*APY = Annual Percentage Yield. Read Full Disclosures.
Citadel is a not-for-profit credit union that exists to serve the people, businesses, and neighborhoods of Greater Philadelphia, so they can prosper.
Here’s why you should join us:
Better rates & low (or no!) fees
No tricks or hidden selling tactics
Personalized banking experiences, online & in-person
Open to anyone who lives or spends time in Southeast PA
All you need to do is open a $5 savings account to join
The easiest way to view Certificate details, including opening and maturity date, and set up maturity options is by using Online & Mobile Banking.
1. Log into your account and look for the Certificate in your list of accounts - you may need to scroll down to see it.
2. The maturity date can be found under both CD Maturity Options and Account Details.
3. You can set your maturity options at any time during the term of the Certificate.
In addition, Citadel will mail a reminder to you approximately two weeks prior to the maturity date.
For help with your Certificate accounts, contact Member Care during business hours at (800) 666-0191 or visit any Citadel branch. You can also send a secure message anytime through Online & Mobile Banking.
Not enrolled in Online & Mobile Banking? Enroll here.
If you withdraw funds from your Certificate before its maturity date, Citadel will apply an early withdrawal penalty based on the term of your account:
The penalty is calculated on the amount you withdraw, using the dividend rate in effect at the time of withdrawal. If your account hasn’t earned enough dividends to cover the full penalty, the remaining amount will be deducted from your principal.
You may withdraw earned dividends, which are accrued each month, at any time without penalty. However, if you withdraw more than the available dividends, the penalty will be applied to the portion of principal withdrawn.
For help with early withdrawals or to estimate penalties, contact Member Care during business hours at (800) 666-0191 or visit any Citadel branch. You can also send a secure message anytime through Online & Mobile Banking.
Not enrolled in Online & Mobile Banking? Enroll here.
Multiple Certificates with different terms opened at that same time in order to get a higher tiered rates. This can be done by calling the Customer Service Center at (800) 666-0191 or visiting a Citadel branch.
Still have questions? Visit our help center.
Federally insured by NCUA.
*Additional Information: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.
By proceeding, please note you will be leaving Citadel’s website. This linked site is not operated or monitored by Citadel Credit Union and our privacy and security policies do not apply. Citadel is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, accuracy, products, or services that are offered or expressed on other websites.
Log in