Credit union · NCUA insured
Citadel Credit Union CD Rates
Top CarrotCitadel Credit Union’s best CD rate is 4.40% APY on a 20-month share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Citadel Credit Union’s CD rates compare
Compared with banks and credit unions near Philadelphia, PA-NJ-DE-MD, where Citadel Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Citadel Credit Union
4.35%APY
- Term
- 20 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $735
Citadel Standard Certificate
Top rate
Monroe Savings Bank (Williamstown, NJ)
5.00%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $247
2nd-highest rate
First Financial Federal Credit Union
5.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $289
Citadel Credit Union CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo4.35%
- QualifiedQualified4.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Citadel Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Citadel Bonus Certificate
Up to 4.40%APY · 13 terms
Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
| Term | APY · $75,000 and up | APY · $75,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.55% | — | —3.55% from $75k | — |
| 6 months | 3.65% | — | —3.65% from $75k | — |
| 8 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 12-month term | — | 4.15% | —4.15% $75k–$1,000k | — |
| 12 months | 3.65% | — | —3.65% from $75k | — |
| 18 months | 3.70% | — | —3.70% from $75k | — |
| 20 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into an 18-month term | — | 4.40% | —4.40% $75k–$1,000k | — |
| 24 months | 3.80% | — | —3.80% from $75k | — |
| 30 months | 3.80% | — | —3.80% from $75k | — |
| 32 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 30-month term | — | 4.40% | —4.40% $75k–$1,000k | — |
| 36 months | 3.80% | — | —3.80% from $75k | — |
| 48 months | 3.65% | — | —3.65% from $75k | — |
| 60 months | 3.65% | — | —3.65% from $75k | — |
| 84 months | 3.65% | — | —3.65% from $75k | — |
Sources (1)
- citadelbanking.com/about-citad…del/great-rates-low-fees · captured Oct 16, 2026
Citadel Standard Certificate
Up to 4.35%APY · 13 terms
Minimum deposit to open and earn standard APY is $500. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No deposits permitted after establishment. Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
| Term | APY · $500 and up | APY · $500 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.50% | — | 3.50% | $86 |
| 6 months | 3.60% | — | 3.60% | $178 |
| 8 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 12-month term | — | 4.10% | 4.10% | $271 |
| 12 months | 3.60% | — | 3.60% | $360 |
| 18 months | 3.65% | — | 3.65% | $552 |
| 20 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into an 18-month term | — | 4.35% | 4.35% | $735 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 30 months | 3.75% | — | 3.75% | $964 |
| 32 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 30-month term | — | 4.35% | 4.35% | $1,202 |
| 36 months | 3.75% | — | 3.75% | $1,168 |
| 48 months | 3.60% | — | 3.60% | $1,520 |
| 60 months | 3.60% | — | 3.60% | $1,934 |
| 84 months | 3.60% | — | 3.60% | $2,809 |
Sources (1)
- citadelbanking.com/about-citad…del/great-rates-low-fees · captured Oct 16, 2026
Special-purpose accounts
Citadel IRA Bonus Certificate
Up to 4.40%APY · 13 terms
Available as Traditional or Roth IRA. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No monthly fees. $10 closing service fee (if applicable). Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies.
| Term | APY · $75,000 and up | APY · $75,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.55% | — | —3.55% from $75k | — |
| 6 months | 3.65% | — | —3.65% from $75k | — |
| 8 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 12-month term | — | 4.15% | —4.15% $75k–$1,000k | — |
| 12 months | 3.65% | — | —3.65% from $75k | — |
| 18 months | 3.70% | — | —3.70% from $75k | — |
| 20 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into an 18-month term | — | 4.40% | —4.40% $75k–$1,000k | — |
| 24 months | 3.80% | — | —3.80% from $75k | — |
| 30 months | 3.80% | — | —3.80% from $75k | — |
| 32 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 30-month term | — | 4.40% | —4.40% $75k–$1,000k | — |
| 36 months | 3.80% | — | —3.80% from $75k | — |
| 48 months | 3.65% | — | —3.65% from $75k | — |
| 60 months | 3.65% | — | —3.65% from $75k | — |
| 84 months | 3.65% | — | —3.65% from $75k | — |
Sources (1)
- citadelbanking.com/save/indivi…ts-iras/ira-certificates · captured Oct 16, 2026
Citadel IRA Standard Certificate
Up to 4.35%APY · 13 terms
Available as Traditional or Roth IRA. Minimum deposit to open and earn standard APY is $500. New Money Required for 8-, 20-, and 32-month terms (Maximum deposit $1 Million per member; Offer not available for public funds). No deposits permitted after establishment. Automatically renews at maturity with a 10-calendar-day grace period. Early withdrawal penalty applies. $10 closing service fee (if applicable).
| Term | APY · $500 and up | APY · $500 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.50% | — | 3.50% | $86 |
| 6 months | 3.60% | — | 3.60% | $178 |
| 8 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 12-month term | — | 4.10% | 4.10% | $271 |
| 12 months | 3.60% | — | 3.60% | $360 |
| 18 months | 3.65% | — | 3.65% | $552 |
| 20 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into an 18-month term | — | 4.35% | 4.35% | $735 |
| 24 months | 3.75% | — | 3.75% | $764 |
| 30 months | 3.75% | — | 3.75% | $964 |
| 32 monthsNew Money Required (funds not already on deposit at Citadel). Maximum deposit $1 Million per member. Offer not available for public funds. Renews into a 30-month term | — | 4.35% | 4.35% | $1,202 |
| 36 months | 3.75% | — | 3.75% | $1,168 |
| 48 months | 3.60% | — | 3.60% | $1,520 |
| 60 months | 3.60% | — | 3.60% | $1,934 |
| 84 months | 3.60% | — | 3.60% | $2,809 |
Sources (1)
- citadelbanking.com/save/indivi…ts-iras/ira-certificates · captured Oct 16, 2026
Who can join Citadel Credit Union
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