bank rates

Citadel FCU CDs Pay Up To 2.50%

Citadel Federal Credit Union has two long-term CD rates for Pennsylvania savers.

With a $500 minimum deposit, it pays:

  • 2.00% APY for 48-month CDs.
  • 2.40% APY for 60-month CDs.

Since the top nationally available 60-month offer on our CD Rates Leaderboard rose to 2.35% APY, it has been difficult to beat.

But Citadel Federal Credit Union manages to do so at the lowest investment amount. An increased minimum deposit of $25,000 will yield 2.45% APY; $75,000, 2.50% APY.

With those deposit amounts, the 48-month CD boosts to 2.05% APY and 2.10% APY.

Comparing local 5-year CD rates

Institution APY Location
General Electric Credit Union 2.50% Ohio, Kentucky, Indiana
Select Federal Credit Union 2.50% Texas

You have to be a member of Citadel Federal Credit Union to buy these certificates of deposit. Membership is open to anyone who lives, works, worships or attend schools in the counties of Bucks, Chester, Delaware, Montgomery and Philadelphia, or in the city of Lancaster. Current members’ family and household members can also join.

Membership requires a $5 deposit in a share savings account.

Members can buy CDs over the phone, online or in person at one of the credit union’s 17 locations in Audubon, Brookhaven, Chadds Ford, Chester Springs, Downingtown, Eagle, East Norriton, Glen Mills, Lancaster, Oxford, Paoli, Parkesburg, Phoenixville, South Coatesville, Springfield, Thorndale and West Chester.

Learn more about Citadel Federal Credit Union at or call 610-380-6000.

See how these returns compare with the best CD rates from scores of banks in our extensive database.

UPDATE 1/30/15: Citadel has lowered these rates: 60-month now pays 2.00% APY (or 2.05% APY and 2.10% APY with higher minimum deposits) and 48-month pays 1.75% APY (or 1.80% APY and 1.85% APY with higher minimums).

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