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iAdvertiser Disclosure
Advertiser Disclosure
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 Citadel Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
Citadel Federal Credit Union's 30 Month Bonus CD rates are at 4.25%, 20 Month Bonus CD rates are at 4.15%, 8 Month Bonus CD rates are at 4.05%, 8 Month CD rates are at 4.00%, 24 Month Bonus CD rates are at 3.80%. Citadel Federal Credit Union's savings rates are at 0.10%. Citadel Federal Credit Union's money market rates are at 0.45%. Citadel Federal Credit Union's 10 Year Refinance Rate Conventional Mortgage rates are at 6.32%, 10/6 Year ARM Conventional Mortgage rates are at 6.65%, 30 Year Purchase Rate Conventional Mortgage rates are at 6.90%. Citadel Federal Credit Union's Personal Loan Rates are as low as 9.99%. Citadel Federal Credit Union's Credit Card Rates are at 10.74%. MonitorBankRates evaluates the financial stability of Citadel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.63%. Rates last updated and verified on 09/14/2026. Citadel Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Citadel Federal Credit Union? Share your experience about Citadel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Citadel Federal Credit Union. Citadel Federal Credit Union
Citadel Corporate Headquarters 520 Eagleview Blvd
https://www.citadelbanking.com Exton, PA 19341 
Citadel Federal Credit Union CD Rates
Citadel Federal Credit Union Savings Rates
Citadel Federal Credit Union Money Market Rates
Citadel Federal Credit Union Checking Rates
Citadel Federal Credit Union Mortgage Rates
Citadel Federal Credit Union Home Equity & HELOC
Citadel Federal Credit Union Auto Loan Rates
Citadel Federal Credit Union Credit Card Rates
Citadel Federal Credit Union Personal Loan Rates
Financial Health HistoryCitadel Federal Credit Union’s Texas Ratio stayed near 2.61% in Q2 2023 to 2.63% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Citadel Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Citadel Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Citadel Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Citadel Federal Credit Union
Website
https://www.citadelbanking.com
Address
520 Eagleview Blvd,
Exton, PA 19341
Phone
800-666-0191
Fax
610-466-6417
President
Claudia Hellebush
CEO
Bill Brown
Full-Time Employees
667
Part-Time Employees
12
Branch Locations
25
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.63%
Return on Assets (ROA)
0.1100%
Return on Equity (ROE)
1.1799%
Non-Performing Loans Ratio (NPL)
0.30%
Total Assets
6,766,495,670
Total Amount of Shares and Deposits
5,724,601,659
Total Shares and Deposits < 1 Year
4,530,090,620
Total Shares and Deposits 1 3 Years
1,108,172,574
Total Shares and Deposits > 3 Years
86,338,465
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
727,603,543
Total Uninsured Shares and Deposits > $250K (F+J)
727,625,371
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,996,976,288
Total Interest Expense (Sum of items 6 8)
40,288,636
Share Certificates
47,219
Number of Accounts for Share Drafts
161,713
IRA KEOGH Accounts
16,315
Number of Accounts for Regular Shares
351,273
Non Member Deposits
2
Money Market Shares
8,315
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
412,919,133
Total Liabilities
6,149,892,411
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Citadel Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Citadel Federal Credit Union
Frequently Asked Questions About Citadel Federal Credit UnionHow many branches does Citadel Federal Credit Union operate?Citadel Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Citadel Federal Credit Union?Yes, to access services at Citadel Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Citadel Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Citadel Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Citadel Federal Credit Union offer online and mobile banking?Most modern institutions like Citadel Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.citadelbanking.com. Current Citadel Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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