Star Savings

Chat Face-to-Face With Citadel Video Connect

Citadel's Video Specialists are just a few clicks away with Video Connect. Skip the trip to the branch office and video chat safely and securely from your preferred location. Learn More.

On your laptop, desktop, or mobile device, our Video Specialists can help you complete almost any banking-related task:

✔ Open a new account
✔ Add a product to a current account
✔ Apply for a loan
✔ Talk to a business banking expert

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 $5.00. Fees may reduce earnings.

¹ Balance Requirement: After 60 days, the monthly service fee is 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

² 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.

³ Citadel offers several overdraft protection options including Courtesy Pay and automatic transfers from a Citadel savings or loan account. An overdraft occurs when the available balance in your account is not sufficient to cover a transaction. Citadel offers several options for you to avoid the extra expenses caused by a bounced check or insufficient funds. These include: transferring funds from a Citadel Savings and/or Money Market Account; advancing funds from a Citadel Personal Line of Credit; and Courtesy Pay. Citadel offers Courtesy Pay for its members and may pay overdrafts for the following types of transactions: checks, ACH withdrawals, Bill Payer payments, and/or recurring debit card transactions (e.g., monthly payments debited from your account). As a Citadel member, if you have a checking account and qualify, you will automatically be enrolled in Courtesy Pay when you open your account. You can opt out of Courtesy Pay at any time by contacting us. If you wish to use one of the other options, which may be free or less expensive than Courtesy Pay, you can sign up at any time. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not pay an overdraft, your transaction will be declined and not paid. If you want to use Courtesy Pay to pay overdrafts for one time, everyday debit card transactions (e.g. Starbucks®, Home Depot®, grocery stores, gas stations, etc.), you must opt in and give us your permission. You can opt in by: completing the opt-in form in Online and Mobile Banking by selecting 'Overdraft Protection' in the main menu; visiting any Citadel Branch; calling Citadel toll free at 800-666-0191; or you cannot use Courtesy Pay to pay for overdrafts on ATM withdrawals. For a complete list of fees associated with overdrafts, please refer to Citadel’s fee schedule.

When you use Courtesy Pay, we will charge you a fee of $33 each time we pay an overdraft. We will limit to 5 the total number of Courtesy Pay Fees and Insufficient Funds Fees charged on any one calendar day. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible. Citadel will close and charge off overdrawn member deposit accounts that have a negative balance for more than 60 days. For the purpose of making the decision to pay or return a check or ACH transaction and to charge a fee, we treat each original presentment and representment as an individual transaction. Any fees charged will count against your Courtesy Pay limit. See the General Terms Applicable to All Accounts in the Membership Agreement and Disclosures for details on how we process insufficient funds and overdraft items.

Additional Information: 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.