Reach Your Savings Goal Faster
High Yield Savings Account
Earn more on your savings, and reach your savings goal faster with Citadel's High Yield Savings Account. With a High Yield Savings Account, you’ll enjoy a high rate without tying up your money for long terms. Schedule an appointment to speak with a representative today!
Current member? Fill out Citadel's High Yield Savings request form to open an account today.
Here' s what you need to open an account:
- A minimum of $10,000 (new money only).2
- Maintain an average daily balance of at least $10,000 (which also avoids a $10 monthly fee).2
The Smart Place to Save
Competitive Variable Rate
Enjoy a competitive, variable rate that will help you earn more on your savings.
Continue Saving with Ease
You can add more funds to your account easily through several options including mobile deposit, electronic transfer, or in-branch.
Unlike other savings vehicles, with Citadel’s High Yield Savings Account you can get to your money if you need it.
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High Yield Savings Rate
*APY = Annual Percentage Yield. Read Full Disclosures.
You can withdraw funds once per calendar quarter. There is a $25 fee for each additional withdrawal or transfer during the same quarter.3
Save with Security:
Citadel’s High Yield Savings Account deposits are federally insured by NCUA up to $250,000 per member.
Ready to speak with a representative about opening a High Yield Savings account?Schedule Appointment
Monthly service fee, if balance requirement is not met2
Withdrawal fee for each withdrawal or transfer (one free per calendar quarter)
Monthly inactivity fee4
Non-sufficient funds (NSF) fee
- Citadel is committed to helping you protect your hard-earned money.
- All Citadel deposits are federally insured up to $250,000 per member by the National Credit Union Administration, an agency of the U.S. government.
- Communicate with us securely through our Online Banking secure messaging system.
Introducing Citadel Video Connect
We've introduced a new way to bank, making it easier than ever to chat face-to-face with a local Citadel team member. The best part? You can connect with us safely and securely from anywhere — with just a few clicks on your laptop, desktop computer, or your mobile device. Learn more.
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Frequently Asked Questions
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*High Yield Savings Disclosures
Federally insured by NCUA.
Information accurate as of and is subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Minimum balance to open account and earn APY is $10,000. Fees may reduce earnings.
1 2019 ranking by Callahan & Associates. According to research firm Callahan & Associates, Citadel is ranked number one in Pennsylvania and the top 1% among all credit unions nationwide for returning value to savers.
2 Balance Requirement: $10,000 minimum opening deposit. This minimum opening deposit must come from funds not currently held in accounts at Citadel. Average Daily Balance Requirement of $10,000 to earn APY and avoid a $10 monthly fee. Variable rate accurate as of 08/16/2021 and subject to change. Variable rate floor is equal to the Prime Rate as listed in the Wall Street Journal less 3.75% and will be adjusted within 5 business days of any change to that rate. Not available as an IRA investment option or for public funds. Fees may reduce earnings on the account.
3 Transaction Limits: During any calendar month, you may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. One (1) free withdrawal or transfer per calendar quarter; $25 for each additional withdrawal or transfer during the same quarter.
4 Monthly Inactivity Fee: A $5.00 monthly inactivity fee will apply if there is no activity on any Citadel account for one year—this fee is 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. Inactivity is defined as a 365-day period during which there were no customer-initiated transactions on any Citadel account.