Citadel Federal Credit Union
Headquarters
520 Eagleview Blvd
Exton, PA 19341
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Phone 1-610-380-6000
2024 Overview
General Credit Union Information
Citadel is an NCUA insured institution located in Exton, PA. It was founded in 1937 and has approximately $5811.72 millions in assets.
Who can join?
You can bank with Citadel if you live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster. You can also become a Citadel customer if a member of your family or household is already a customer, no matter where you live.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 2099 |
| Date Established | 1937 |
| Assets | $5,811.72 million |
| Loans | $5,101.34 million |
| Deposits | $4,710.59 million |
| Capital | $566.76 million |
Field of Membership Restrictions
Membership in Citadel is open to those who live, work, worship, or study in Bucks, Chester, Delaware, Montgomery, or Philadelphia Counties, or the city of Lancaster, Pennsylvania. Membership is also open to immediate family of existing members.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.10% | $5 | $2,499 |
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| Star
|
0.15% | $2,500 | $24,999 |
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|
| Star
|
0.25% | $25,000 | $74,999 |
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|
| Star
|
0.30% | $75,000 | - |
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|
|
Money Market
|
0.45% | $2,500 | $24,999 |
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|
|
Money Market
|
0.50% | $25,000 | $74,999 |
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|
|
Money Market
|
0.55% | $75,000 | $249,999 |
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|
|
Money Market
|
0.75% | $250,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
3.50% | $500 | - |
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|
| 3 Month Bonus
|
3.55% | $75,000 | - |
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|
| 6 Mo CD
|
4.00% | $500 | - |
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| 6 Mo CD
|
4.05% | $75,000 | - |
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| 12 Mo CD
|
5.25% | $500 | - |
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| 12 Mo CD
|
5.30% | $75,000 | - |
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| 18 Mo CD
|
5.25% | $500 | - |
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| 18 Mo CD
|
5.30% | $75,000 | - |
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| 24 Mo CD
|
4.40% | $500 | - |
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| 24 Mo CD
|
4.45% | $75,000 | - |
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| 30 Mo CD
|
4.10% | $500 | - |
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| 30 Mo CD
|
4.15% | $75,000 | - |
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| 36 Mo CD
|
4.05% | $500 | - |
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| 36 Mo CD
|
4.10% | $75,000 | - |
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| 48 Mo CD
|
3.95% | $500 | - |
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| 48 Mo CD
|
4.00% | $75,000 | - |
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| 60 Mo CD
|
3.85% | $500 | - |
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| 60 Mo CD
|
3.90% | $75,000 | - |
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|
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
4.74% | 4.74% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.65% | 6.63% | $2,809.58 | |
| 15 Year Fixed Conforming See Amortization Table |
6.69% | 6.63% | $2,809.58 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.02% | 7.00% | $2,480.96 | |
| 20 Year Fixed Conforming See Amortization Table |
7.05% | 7.00% | $2,480.96 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.14% | 7.13% | $2,155.90 | |
| 30 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $2,155.90 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.65% | 6.63% | $2,809.58 | |
| 15 Year Fixed Conforming See Amortization Table |
6.69% | 6.63% | $2,809.58 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.02% | 7.00% | $2,480.96 | |
| 20 Year Fixed Conforming See Amortization Table |
7.05% | 7.00% | $2,480.96 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.14% | 7.13% | $2,155.90 | |
Compare with 6.987% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.16% | 7.13% | $2,155.90 | |
|
Compare with 6.987% APR and 6.875% 30-Year Fixed RATE from Tomo Mortgage, LLC.
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Citadel branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
CITADEL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Citadel Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Citadel. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Citadel | U.S. Average |
|---|---|
| 9.21% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Citadel had $53,582,429 in non-current loans and $162,686 in owned assets. To cover these potential losses it had $566,764,801 in net worth and $16,677,731 in loans loss reserves. That gives it a Texas Ratio of 9.21%.
Net Worth
| Citadel | U.S. Average |
|---|---|
| 9.74% | 13.62% |
Citadel FCU has a net worth of 9.74% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Citadel
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