# Citadel Credit Union CD and share certificate rates

As of October 22, 2026, Citadel Credit Union's highest CD (share certificate) rate is 4.40% APY on a 20-month promotional CD ($75,000 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.50% to 3.80% APY.

Canonical page: https://apyledger.com/cd-rates/citadel-credit-union
Institution: Citadel Federal Credit Union (NCUA 2099)
Aliases: Citadel, Citadel FCU
Status: live
Last verified: 2026-10-22T10:08:09.000Z (October 22, 2026)
Official source: https://www.citadelbanking.com/save/certificates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month Bonus Certificate | standard | 3 months | $75,000 | 3.55% | Not ZIP-priced | −0.75% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 3 Month Certificate | standard | 3 months | $500 | 3.50% | Not ZIP-priced | −0.79% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 6 Month Bonus Certificate | standard | 6 months | $75,000 | 3.65% | Not ZIP-priced | −0.75% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 6 Month Certificate | standard | 6 months | $500 | 3.60% | Not ZIP-priced | −0.80% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 8 Month Bonus Certificate | promotional | 8 months | $75,000 | 4.15% | Not ZIP-priced | −0.30% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 8 Month Certificate | promotional | 8 months | $500 | 4.10% | Not ZIP-priced | −0.35% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 12 Month Bonus Certificate | standard | 12 months | $75,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 12 Month Certificate | standard | 12 months | $500 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 18 Month Bonus Certificate | standard | 18 months | $75,000 | 3.70% | Not ZIP-priced | −1.02% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 18 Month Certificate | standard | 18 months | $500 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 20 Month Bonus Certificate | promotional | 20 months | $75,000 | 4.40% | Not ZIP-priced | −0.37% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 20 Month Certificate | promotional | 20 months | $500 | 4.35% | Not ZIP-priced | −0.42% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 24 Month Bonus Certificate | standard | 24 months | $75,000 | 3.80% | Not ZIP-priced | −1.07% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 24 Month Certificate | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 30 Month Bonus Certificate | standard | 30 months | $75,000 | 3.80% | Not ZIP-priced | −1.11% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 30 Month Certificate | standard | 30 months | $500 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 32 Month Bonus Certificate | promotional | 32 months | $75,000 | 4.40% | Not ZIP-priced | −0.52% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 32 Month Certificate | promotional | 32 months | $500 | 4.35% | Not ZIP-priced | −0.57% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 36 Month Bonus Certificate | standard | 36 months | $75,000 | 3.80% | Not ZIP-priced | −1.15% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 36 Month Certificate | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 48 Month Bonus Certificate | standard | 48 months | $75,000 | 3.65% | Not ZIP-priced | −1.33% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 48 Month Certificate | standard | 48 months | $500 | 3.60% | Not ZIP-priced | −1.38% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 60 Month Bonus Certificate | standard | 60 months | $75,000 | 3.65% | Not ZIP-priced | −1.36% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 60 Month Certificate | standard | 60 months | $500 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 84 Month Bonus Certificate | standard | 84 months | $75,000 | 3.65% | Not ZIP-priced | −1.44% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |
| 84 Month Certificate | standard | 84 months | $500 | 3.60% | Not ZIP-priced | −1.49% | 2026-10-22T10:08:09.000Z | [Snapshot 215](https://apyledger.com/snapshots/215) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.