Source: https://www.citadelbanking.com/save/certificates
Read: 2026-10-22T10:08:09.000Z

Citadel Certificates & CD Rates | Secure Your Future Today | Citadel Credit Union Skip to Main Content
Earn 4.35% APY on a 20 Month Certificate *
Secure a standout rate and watch your savings grow risk-free over the long term! New money deposits required. *
Open Now Calculate Earnings
# Certificates
### Share:
Facebook LinkedIn Email
### Right now, you can earn our best CD rate of 4.35% APY on new money deposits with our 20-Month Certificate! *
Citadel Certificates, commonly referred to as CDs or Certificates of Deposit at other financial institutions, are a simple, risk-free way to reach your savings goal sooner. Once the Certificate matures, you can renew it or access your original investment, plus the return it earned. All you need is $500 * to get started. This special rate is also available for 20-month IRA Certificates .
### Certificate Calculator
See how your savings can grow over time. Use our certificate calculator below to estimate how much you could earn and choose the CD term that fits your goals.
Calculate Earnings
### Easy to Open
Current members can open a new Certificate in Online or Mobile Banking.
Open a Certificate
### Great Rates
With rates that are consistently higher than other financial institutions, you can lock in your chosen rate for the life of your Certificate and enjoy a low-risk investment.
View Rates
## Certificate Rates
### * APY = Annual Percentage Yield. Read Full Disclosures.
3-20 Month Certificates 24-36 Month Certificates 48-84 Month Certificates
3-20 Month Certificates
3.45% DIVIDEND RATE
3.50% APY
3 Month Certificate
$500 Min.
3.55% DIVIDEND RATE
3.60% APY
6 Month Certificate
$500 Min.
4.03% DIVIDEND RATE
4.10% APY
8 Month Certificate
$500 Min. (New Money Required)*
3.55% DIVIDEND RATE
3.60% APY
12 Month Certificate
$500 Min.
3.59% DIVIDEND RATE
3.65% APY
18 Month Certificate
$500 Min.
4.27% DIVIDEND RATE
4.35% APY
20 Month Certificate
$500 Min. (New Money Required)*
24-36 Month Certificates
3.69% DIVIDEND RATE
3.75% APY
24 Month Certificate
$500 Min.
3.69% DIVIDEND RATE
3.75% APY
30 Month Certificate
$500 Min.
4.27% DIVIDEND RATE
4.35% APY
32 Month Certificate
$500 Min. (New Money Required)*
3.69% DIVIDEND RATE
3.75% APY
36 Month Certificate
$500 Min.
48-84 Month Certificates
3.55% DIVIDEND RATE
3.60% APY
48 Month Certificate
$500 Min.
3.55% DIVIDEND RATE
3.60% APY
60 Month Certificate
$500 Min.
3.55% DIVIDEND RATE
3.60% APY
84 Month Certificate
$500 Min.
Open Now
## Earn more on deposits of $75,000 or more.
###
3-20 Month Bonus Certificates 24-36 Month Bonus Certificates 48-84 Month Bonus Certificates
3-20 Month Bonus Certificates
3.50% DIVIDEND RATE
3.55% APY
3 Month Bonus Certificate
$75,000+
3.59% DIVIDEND RATE
3.65% APY
6 Month Bonus Certificate
$75,000+
4.08% DIVIDEND RATE
4.15% APY
8 Month Bonus Certificate
$75,000+ (New Money Required)*
3.59% DIVIDEND RATE
3.65% APY
12 Month Bonus Certificate
$75,000+
3.64% DIVIDEND RATE
3.70% APY
18 Month Bonus Certificate
$75,000+
4.32% DIVIDEND RATE
4.40% APY
20 Month Bonus Certificate
$75,000+ (New Money Required)*
24-36 Month Bonus Certificates
3.74% DIVIDEND RATE
3.80% APY
24 Month Bonus Certificate
$75,000+
3.74% DIVIDEND RATE
3.80% APY
30 Month Bonus Certificate
$75,000+
4.32% DIVIDEND RATE
4.40% APY
32 Month Bonus Certificate
$75,000+ (New Money Required)*
3.74% DIVIDEND RATE
3.80% APY
36 Month Bonus Certificate
$75,000+
48-84 Month Bonus Certificates
3.59% DIVIDEND RATE
3.65% APY
48 Month Bonus Certificate
$75,000+
3.59% DIVIDEND RATE
3.65% APY
60 Month Bonus Certificate
$75,000+
3.59% DIVIDEND RATE
3.65% APY
84 Month Bonus Certificate
$75,000+
Loading
## Why Choose Citadel?
We’re a not-for-profit, member-owned credit union committed to helping people, businesses, and communities prosper. Not sure if you're eligible? Here's who can join.
Here’s why you’ll love banking with us :
Better rates & fewer fees
Focus on financial literacy & giving back
Personalized experiences, online & in-person
All it takes is a $1 deposit to join
Learn More
## Not sure how to choose a savings account? Take our quick quiz to determine which option best fits your needs.
Start Quiz
## Security
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 .
## Frequently Asked Questions
How do I find the maturity date of my Citadel Certificate? The easiest way to view Certificate details, including opening and maturity date, and set up maturity options is by using Online & Mobile Banking .
1 . Log into your account and look for the Certificate in your list of accounts - you may need to scroll down to see it.
2 . The maturity date can be found under both CD Maturity Options and Account Details.
CD Maturity Options will display the maturity date, description, and current rate, and allow you to determine how your Certificate will be disbursed when it matures.
Account Details , or Details on mobile, provides that information plus the account number, current and available balance, and dividends earned.
3 . You can set your maturity options at any time during the term of the Certificate.
In addition, Citadel will mail a reminder to you approximately two weeks prior to the maturity date.
For help with your Certificate accounts, contact Member Care during business hours at (800) 666-0191 or visit any Citadel branch . You can also send a secure message anytime through Online & Mobile Banking.
Not enrolled in Online & Mobile Banking? Enroll here .
What happens if I withdraw the funds of a Certificate before the maturity date? If you withdraw funds from your Certificate before its maturity date, Citadel will apply an early withdrawal penalty based on the term of your account:
Terms of 1 year or less: 90 days of dividends
Terms greater than 1 year and less than 3 years: 180 days of dividends
Terms of 3 years or more: 365 days of dividends
The penalty is calculated on the amount you withdraw, using the dividend rate in effect at the time of withdrawal. If your account hasn’t earned enough dividends to cover the full penalty, the remaining amount will be deducted from your principal.
You may withdraw earned dividends , which are accrued each month, at any time without penalty. However, if you withdraw more than the available dividends, the penalty will be applied to the portion of principal withdrawn.
For help with early withdrawals or to estimate penalties, contact Member Care during business hours at (800) 666-0191 or visit any Citadel branch . You can also send a secure message anytime through Online & Mobile Banking .
Not enrolled in Online & Mobile Banking? Enroll here .
Is a Certificate and a Certificate of Deposit (CD) the same thing? Yes, Certificates are offered by credit unions like Citadel, which are member-owned financial institutions, and are essentially the same as Certificates of Deposit (CDs).
Still have questions? Visit our help center.
Federally insured by NCUA.
Applies to all certificates: Minimum deposit to open and earn standard APY is $500. Bonus APY available on certificates opened with a minimum deposit of $75,000 or more. You may not make any deposits to this Account after it is established. Your Account will automatically renew at maturity. You will have a grace period of 10 calendar days following maturity to make withdrawals from or deposits to Your Account. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. The penalty imposed will equal 90 days of dividends on your account for account terms of one year or less; 180 days of dividends for account terms greater than one year and less than three years; and 365 days of dividends for account terms of three years or greater. We calculate all early withdrawal penalties on the principal amount withdrawn at the dividend rate in effect on the account on the withdrawal date. If your account has not earned enough dividends to cover an early withdrawal penalty, we deduct any dividends first and take the remainder of the penalty from your principal.
* 8-Month, 20-Month, and 32-Month Certificate Offers: Maximum deposit is $1 Million per member. This offer is available for New Money deposits only. New Money is defined as funds not already on deposit at Citadel. Your account will automatically renew at maturity at the APY available at that time. 8-month renewal term is 12-months. 20-month renewal term is 18-months. 32-month renewal term is 30-months. Citadel will impose a penalty if you withdraw any of the funds before the maturity date. Offer not available for public funds.
Information accurate as of and subject to change without notice. All rates expressed as Annual Percentage Yield (APY). Offers may be modified or withdrawn at any time. Fees may reduce earnings.
Close modal
### You’re Leaving Citadel’s Website
By proceeding, please note you will be leaving Citadel’s website. This linked site is not operated or monitored by Citadel Credit Union and our privacy and security policies do not apply. Citadel is not responsible for and does not endorse, guarantee or monitor content, availability, viewpoints, accuracy, products, or services that are offered or expressed on other websites.
OK Cancel
top
#####
Close Notification