Citadel Credit Union High-Yield Savings & Money Market Rates

How Citadel Credit Union’s savings 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
3.20%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$320
High Yield Savings Account
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
Comenity Capital Bank
4.05%APY
Requires
None
Minimum
$100
Earns on $10,000 a year
$405
Comenity Capital Bank rates

Compare savings rates near you →

94

Savings score

Higher than 96% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.10%
$10,000 balance$10,0003.20%
$100,000 balance$100,0003.20%
QualifiedQualified3.20%

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.

How the score works →

Where Citadel Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

High Yield Savings Account

3.20%APY

Deposits federally insured by NCUA up to $250,000 per member. Three free withdrawals or transfers per calendar quarter, then $25 fee each. Rate boosts available when paired with Ultimate Growth Checking tiers. Inactivity fee of $5/month applies after 1 year of inactivity unless combined deposit balance is $500+ or primary owner is under 13.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$5,000 – $9,999Base rate. Variable rate. Minimum balance to earn APY is $5,000. 3 free withdrawals/transfers per calendar quarter, then $25 each.	1.20%	—	Base rate. Variable rate. Minimum balance to earn APY is $5,000. 3 free withdrawals/transfers per calendar quarter, then $25 each.
$10,000 and upBase rate. Variable rate. Minimum balance to earn APY is $5,000. 3 free withdrawals/transfers per calendar quarter, then $25 each.	3.20%	$320	Base rate. Variable rate. Minimum balance to earn APY is $5,000. 3 free withdrawals/transfers per calendar quarter, then $25 each.

Sources (3)

All captured Oct 6, 2026

Money Market Account

0.45%APY

Minimum balance to earn APY is $2,500.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.	0.45%	$45	$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.
$25,000 – $75,000$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.	0.50%	—	$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.
$75,000 – $250,000$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.	0.55%	—	$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.
$250,000 and up$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.	0.75%	—	$10.00 monthly service fee is waived for first 60 days, or if average daily balance is $2,500 or more, or if primary account owner is under age 21.

Sources (2)

All captured Oct 9, 2026

Auxiliary Savings

Up to 0.30%APY

No monthly service fee. Minimum balance of $5 to earn APY. $5.00 monthly inactivity fee if no activity on any Citadel account for 1 year (waived if combined deposit balance is $500 or more, or primary owner is under 13). $5.00 service fee to close within 90 days of opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Minimum balance of $5 to earn APY. No monthly fee.	0.10%	—	Minimum balance of $5 to earn APY. No monthly fee.
$75,000 and upNo monthly fee.	0.30%	—	No monthly fee.

Sources (2)

All captured Oct 6, 2026

Star Savings

0.15%APY$1 to open

$1 minimum balance to open account. $5.00 service fee to close account within 90 days of opening. $5.00 monthly inactivity fee if no activity on any Citadel account for 1 year, waived if combined deposit balance is $500 or more or primary owner is under 13. $1 fee per ATM balance inquiry and $3 fee per ATM withdrawal at non-Citadel ATMs.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Minimum balance to earn APY is $5.00. No monthly service fee.	0.10%	—	Minimum balance to earn APY is $5.00. No monthly service fee.
$2,500 – $25,000No monthly service fee.	0.15%	$15	No monthly service fee.
$25,000 – $75,000No monthly service fee.	0.25%	—	No monthly service fee.
$75,000 and upNo monthly service fee.	0.30%	—	No monthly service fee.

Sources (2)

All captured Oct 6, 2026

Special-purpose accounts

IRA Money Market

0.45%APYIRA

Available as Traditional or Roth IRA. Minimum balance to earn APY is $100.

Earnings on $10,000 over a year.
Balance	APY	Minimum	Earns on $10,000 a yearEarns	Requirement
$2,500 – $25,000No monthly fees. · $100 to open	0.45%	$100	$45	No monthly fees.
$25,000 – $75,000No monthly fees. · Unknown to open	0.50%	Unknown	—	No monthly fees.
$75,000 – $250,000No monthly fees. · Unknown to open	0.55%	Unknown	—	No monthly fees.
$250,000 and upNo monthly fees. · Unknown to open	0.75%	Unknown	—	No monthly fees.

Sources (2)

All captured Oct 9, 2026

Kids Club

0.15%APYKids and teens$1 to open

Youth savings account for kids up to age 12 (enrolled upon opening a Star Savings account in child's name). Receives annual birthday card redeemable for $10 deposit at Citadel branches up to 12th birthday. No fees apply until child turns 13. Monthly inactivity fee waived up to age 13. Low minimum balance to open of $1. Minimum balance to earn APY is $5.00.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Minimum balance to earn APY is $5.00. No monthly fee.	0.10%	—	Minimum balance to earn APY is $5.00. No monthly fee.
$2,500 – $25,000No monthly fee.	0.15%	$15	No monthly fee.
$25,000 – $75,000No monthly fee.	0.25%	—	No monthly fee.
$75,000 and upNo monthly fee.	0.30%	—	No monthly fee.

Sources (2)

All captured Oct 6, 2026

Holiday Club

0.10%APYClub

No minimum balance required to open or earn APY. On October 1 of each year, funds in the account are automatically transferred to the member's Share Savings Account. Any other withdrawal causes the account to be subject to closure. $0 monthly fee. $5.00 service fee to close an account within 90 days of opening.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required. No monthly fee. Annual transfer on October 1 to Share Savings Account.Any balance	0.10%	$10	No minimum balance required. No monthly fee. Annual transfer on October 1 to Share Savings Account.

Sources (2)

All captured Oct 6, 2026

Who can join Citadel Credit Union

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Visit institution website ↗Branches and institution details

How Citadel Credit Union’s savings rates compare

Citadel Credit Union savings score

Current savings rates

High Yield Savings Account

Money Market Account

Auxiliary Savings

Star Savings

Special-purpose accounts

IRA Money Market

Kids Club

Holiday Club

Who can join Citadel Credit Union