Current Rates & Fees

LOAN SERVICES FEES

• $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)
• $115.00 vehicle lien recording
• $50.00 auto title change
• $40.00 lien renewal fee (if applicable)
• $10.00 lien release letter
• $50.00 loan signing by mail (consumer loans, if applicable)

LOAN SERVICES FEES

• $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)
• $115.00 vehicle lien recording
• $50.00 auto title change
• $40.00 lien renewal fee (if applicable)
• $10.00 lien release letter
• $50.00 loan signing by mail (consumer loans, if applicable)

ESSENTIAL BUSINESS CHECKING FEES

• 200 FREE transactions each statement cycle**

$0.25 per item fee over 200 (per statement cycle)

• 25% discount on first order of checks

ELITE BUSINESS CHECKING FEES

• $15.00 monthly service fee – waived for 90 days following account opening; after 90 days monthly service fee waived if one of the following criteria is met:

Average daily checking balance is $5,000 or more
$25,000 combined average daily balance in deposits and month end investment balances
Merchant Services Enrollment with at least one merchant services deposit per month

• 500 FREE transactions each statement cycle**
• $0.25 per item fee over 500 (per statement cycle)
• 50% discount on first order of checks
• 2 FREE domestic wires per quarter from elite checking via online banking

**Including checks paid, withdrawals, deposits, debit card transactions, and ACH debits and credits.

BUSINESS HIGH YIELD SAVINGS

• $25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)

Owner-Occupied Commercial Mortgage Fees:

* Rates expressed as Annual Percentage Rate (APR). Rates are accurate as of and are subject to change without notice.

Offer subject to receipt of a complete Citadel application, credit approval and other conditions. Terms offered are available for business purpose loans only with adequate property valuation (maximum LTV of 80%) and first mortgage position required. Loans may be subject to commitment and documentation fees, as applicable. Other terms, conditions, fees and restrictions may apply.

The mortgaged property must be at least 51% owner-occupied for commercial use. Offer not available to applicants with an existing Citadel commercial mortgage. Property insurance is required. Flood and/or title insurance may be required at an additional expense to the borrower. An appraisal will be required at the borrower’s expense for loans exceeding $250,000. To qualify, applicant must be in business for a minimum of three years.

Unless otherwise specified all advertised offers, terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions, and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact a Citadel representative for details.

BUSINESS MONEY MARKET

• $10.00 monthly service fee – waived for 90 days following account opening; after 90 days monthly service fee waived if one of the following criteria is met:

Average daily balance is $2,500 or more
Maintain an Elite Business Checking account with Merchant Services Enrollment and at least one merchant services deposit per month

• Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.

BUSINESS STAR SAVINGS

• $5.00 service fee to close an account within 90 days of opening
• $5.00 monthly service fee – waived for 90 days following account opening; after 90 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 relationship deposit balance of $1,500
  • Combined relationship deposit, investment and loan balance of $2,500
  • A loan balance greater than $0.00

• Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.

Certificate Fees:

Early withdrawals on Certificates are subject to penalty. 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.

Certificate Fees:

Early withdrawals on Certificates are subject to penalty. 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.

CITADEL CHECKING ACCOUNTS (Universal)

• $5.00 monthly inactivity fee if no activity on any Citadel account for one year—waived if combined balance of all deposit accounts is $500 or more.
• 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 MASTERCARD® FEES

• 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 lost card replacement fee (fee waived to replace a stolen Mastercard)
• 1.1% foreign transaction fee (Excluding World Mastercard)
• Expedited Credit Card replacement fee, $30 Domestic, $35 International

CITADEL HIGH YIELD SAVINGS

• $25.00 withdrawal fee for each withdrawal or transfer (one free per calendar quarter, then $25.00 each)
• $5.00 monthly inactivity fee 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.
• Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.

CITADEL INDIVIDUAL RETIREMENT MONEY MARKET ACCOUNTS FEES

• $10.00 closing service (if applicable)

Citadel Mortgage Fees:

• Mortgage recording fee (varies)
• Mortgage satisfaction fee (varies)
• $1,000.00 Mortgage modification
• $5.95 for one-time real estate loan payment by ACH transfer or debit card

Citadel Home Equity Fees:

• Home equity third party fee (varies)
• Home equity loan/line of credit note modification fee (1% of loan balance)
• $100 home equity loan/line of credit subordination fee
• $250 home equity line of credit early termination fee
• $5.95 for one-time real estate loan payment by ACH transfer or debit card

CITADEL SAVINGS ACCOUNTS

• $5.00 service fee to close an account within 90 days of opening
• $5.00 monthly inactivity fee 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.
• $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.

• Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.

CITADEL MONEY MARKET ACCOUNTS FEES

• $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
• $5.00 monthly inactivity fee 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.
• Monthly service fee does not apply to primary account owners less than 21 years of age.
• Fees may be charged to the account which could reduce earnings if activity/maintenance fees imposed.