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COMING SOON: We’re introducing a new look for Citadel’s brand!

Over the next few weeks, you may see some changes on our website, as well as Online and Mobile Banking. As a valued member, we'll keep you informed as we start rolling out changes.   Learn More

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Consistently Great Rates, Low Fees

From savings to certificates, money market accounts to mortgages, Citadel has consistently better rates and lower fees.

Citadel's Great Rates, Low Fees

Select a product to view Rates & Fees:

All Citadel Fees

View All Citadel Fees

CITADEL CHECKING ACCOUNTS (Universal)

  • FREE Standard Senior Checks for members age 70 and older or 50% off catalogue on duplicate wallet style checks for members age 70 and older.
  • Monthly service fees do not apply to primary account owners less than 21 years of age.

Citadel Cashback Rewards Checking

  • $10.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met: Maintain an average daily balance of $5,000.00 in your Cashback Rewards Checking account or Receive a qualifying monthly direct deposit of $1,000.00 or more in your Cashback Rewards Checking account.

Citadel Free Checking

  • $5.00 overdraft transfer from your savings or loan account

CITADEL SAVINGS ACCOUNTS

  • $5.00 service fee to close an account within 90 days of opening
  • $5.00 monthly service fee waived for 60 days following account opening; after 60 days monthly service fee waived if one of the following criteria is met:
  • Active Citadel checking account
  • Citadel Mastercard® with activity in the last 90 days
  • Combined household deposit balance of $1,500
  • Combined household deposit, investment and loan balance of $2,500
  • A loan balance greater than $0.00
  • Monthly service fee does not apply to primary account owners less than 21 years of age.

CITADEL HIGH YIELD SAVINGS

  • $10.00 monthly service fee—waived if average daily balance is $10,000 or more
  • $25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)

CITADEL MONEY MARKET ACCOUNTS

  • $10.00 monthly service fee—waived for 60 days following account opening; after 60 days monthly service fee waived if average daily balance is $2,500 or more
  • Monthly service fee does not apply to primary account owners less than 21 years of age. 

CITADEL INDIVIDUAL RETIREMENT MONEY MARKET ACCOUNTS (IRA) AND CERTIFICATES

  • $10.00 closing service (if applicable)

CITADEL DEBIT/ATM CARD

  • $1.00 per ATM balance inquiry at all non-Citadel ATM (Citadel STAR Savings and Free Checking only)
  • $3.00 per ATM withdrawal at all non-Citadel ATM (Citadel STAR Savings and Free Checking only)
  • $10.00 lost debit/ATM card replacement (No fee to replace a stolen debit/ATM card)
  • Expedited debit/ATM card replacement $30.00 domestic/$35.00 international
  • 1.1% foreign transaction fee

CITADEL BILL PAYER

  • $15.00 next day check payment

CITADEL MASTERCARD®

  • Up to $35.00 late payment
  • Up to $25.00 returned payment
  • Cash advance fee of up to 5.0% of amount advanced ($10.00 minimum)
  • $10.00 lost Mastercard® replacement fee (No fee to replace a stolen Mastercard®)
  • Expedited credit card replacement fee $30.00 domestic/$35.00 international
  • 1.1% foreign transaction fee (excluding World Mastercard®)

FOREIGN CHECK DEPOSITS

  • $25.00 Canadian check deposits
  • $35.00 for EU check deposits
  • Varies – All other foreign check deposits ($10.00 plus Federal Reserve charge to Citadel)
  • $15.00 returned item fee for Canadian checks
  • $40.00 returned item fee for all other types of foreign checks

WIRE TRANSFERS

  • $10.00 incoming domestic wire transfers
  • $15.00 outgoing domestic wire transfers less than $2,500
  • $30.00 outgoing domestic wire transfers greater than $2,500
  • $40.00 incoming foreign wire transfers
  • $50.00 outgoing foreign wire transfers

CITADEL HOME EQUITY

  • Varies – Home equity third party fees
  • Varies – Home equity loan/home equity line of credit note modification (1% of loan balance)
  • $100.00 Home equity loan/home equity line of credit subordination fee
  • $250.00 Home equity line of credit early termination fee

CITADEL MORTGAGES

  • Varies – Mortgage recording
  • Varies – Mortgage satisfaction
  • $1,000.00 Mortgage modification

LOAN SERVICES

  • $2.95 for one-time consumer loan payment by ACH transfer or debit card
  • $5.95 for one-time real estate loan payment by ACH transfer or debit card
  • Varies – Late payment on all loans (fee amount equals 2 – 5% of loan payment due)
  • $90.00 vehicle lien recording
  • $25.00 loan reapplication (within 90 days)
  • $50.00 auto title change
  • $125.00 lease purchase
  • $30.00 lien renewal fee (if applicable)
  • $10.00 lien release letter
  • $50.00 loan signing by mail (consumer loans, if applicable)

GENERAL SERVICES

  • 5.00 monthly inactivity fee applied to each savings, checking, and money market account if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more. Fee does not apply to primary account owners less than 13 years of age.
  • $10.00 charge for copy of deposited item
  • $10.00 one-time charge for failure to notify Citadel of change of address
  • $5.00 per withdrawal check over one per day
  • FREE Notary services (contact us for availability)
  • $20.00 returned check
  • $50.00/hour for account reconciliation or research
  • $25.00 one-time Quick bag
  • $50.00 IRS levy
  • Varies – Writ of execution (based on attorney’s fees; minimum fee $500.00)
  • $50.00 escheat fee
  • Varies – Coin Machine Usage
    Members: Free
    Non-Members: 10%, minimum $1
  • $25.00 stop payment fee (excluding Cashback Rewards Checking)
  • $33.00 Non-sufficient funds (NSF)/Uncollected funds (UCF) fee
  • $33.00 Courtesy Pay overdraft protection fee
  • $2.00 paper statement fee (excludes ages under 21 and 70+)
  • $5.00 Non-member check cashing fee