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Citadel's Annual Membership Meeting will be held on Monday, April 21, 2025.



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Citadel Credit Union
 * Personal Banking
 * Business Banking
 * Wealth Management

 * Personal
   
   Personal Banking
   
   Bank
   Save
   Borrow
   Home Loan
   Insure
   Payments
 * Business
   
   Business Banking
   
   Business Checking
   Business Savings
   Business Tools
   Industry Solutions
   Business Team
   Medical Banking
 * Wealth

Routing # 231380104
 * Bank
   * Bank
      * Checking Accounts
      * Teen Debit Accounts
      * Credit Cards
      * Contactless Payments & Mobile Wallets
      * Adel, Our Virtual Assistant
      * Online & Mobile Banking
      * Ways to Bank
     
     
     Open a New Checking Account & Get $350*
     
     Plus, access a variety of financial wellness tools, like free credit score
     monitoring in Online & Mobile Banking! *Additional terms apply.
     
     See How
 * Save
   * Savings Accounts
      * High Yield Savings
      * Star Savings
      * Certificates
      * Holiday Club & Auxiliary Savings
      * Kids Club
      * Money Market
      * Individual Retirement Accounts
     
     
     Earn 4.20% APY on a 6 or 12 Month Certificate*
     
     It's a low-risk way to save big during life's little moments. *Additional
     terms apply.
     
     Learn More
 * Borrow
   * Borrow
      * Credit Cards
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      * Payment Protection
      * Auto & Motorcycle Loans
      * Auto Refinance
      * Student Loans
     
     
     Unlimited 2.5% Cash Back on All Purchases*
     
     It's comfort and joy and a little extra cash with our Cash Rewards credit
     card. *Additional terms apply.
     
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 * Insure
   * Insure
      * Medicare Insurance
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      * Homeowners and Renters Insurance
      * Life Insurance
      * Accidental Death & Dismemberment Insurance
      * Hospital Accident Insurance
      * ID Theft Protection
     
     
     Let’s Navigate Medicare Together
     
     Citadel offers a dedicated Medicare Specialist to help you better prepare
     and understand your Medicare options.
     
     Learn More
 * Financial Wellness
   * Financial Wellness
      * Education & Tools
      * Applying for a Loan
      * Running a Business
      * Managing Debt
      * Blog
      * Living in Retirement
      * Budgeting
      * Saving Money
     
     
     Security: Fight & Report Fraud
     
     Help us keep your accounts safe and learn what scams to be on the lookout
     for by visiting the security section of our website.
     
     Visit Security
 * Payments
   * Make a Payment to Citadel
      * Make a Payment to Citadel
      * Auto Loan Center
      * Auto Lease Center
      * Skip-a-Pay: Auto Loans
      * Skip-a-Pay: HELOC
      * Loan Payment Frequently Asked Questions
     
     
     Make a Payment. Improve Your Score.
     
     Did you know consistently making on time payments can help boost your
     credit score? Our Online & Mobile Banking offers free credit score
     monitoring so you can see your progress.
     
     Log In

 * Business Checking
   * Business Checking
      * Elite Business Checking
      * Essential Business Checking
     
     
     Meet Elite
     
     With more transactions per month, our Elite Business Checking account can
     help your business evolve.
     
     Open Now
 * Business Savings
   * Business Savings
      * Business Savings
      * Business Money Market
      * Business High Yield Savings
      * Business Certificates
     
     
     Earn 4.20% APY on a 6 or 12 Month Business Certificate*
     
     It's a low-risk way to save more to support the future of your business.
     *Additional terms apply.
     
     Open Now
 * Business Loans
   * Business Loans & Credit Cards
      * Business Rewards Mastercard
      * Business Real Estate Loans
      * Vehicle & Equipment Loans
      * Business Line of Credit
      * Talk to a Business Banking Expert
     
     
     Flexible Working Capital
     
     We can help manage your cash flow with flexible funding options like a
     Business Line of Credit.
     
     Learn More
 * Business Tools
   * Business Tools
      * Cash Management Solutions
      * Online & Mobile Banking Tools
     
     
     Streamline Operations
     
     Find tools to automate Payroll & HR, Merchant Services by Clover, and
     Remote Deposit Capture.
     
     VIEW ALL
 * Industry Solutions
   * Industry Solutions
      * Who We Serve
      * Healthcare Banking
     
     
     Businesses Like Yours
     
     Our team has extensive experience supporting a wide variety of businesses
     and industries, including healthcare.
     
     LEARN MORE
 * Business Banking Team
   * Business Team
      * Susan Gluszynski
      * Andre Jones
      * Chris Hansen
      * Karen Rhodes
      * Kye Kreutzberger
     
     
     Articles & Tips
     
     Get inspired with helpful articles and free resources for business leaders.
     
     READ MORE

Branch Hours

Mon - Thurs: 8:30 a.m.-5:00 p.m. Friday: 8:30 a.m.-6:00 p.m. Saturday: 9:00
a.m.-1:00 p.m. *Hours may vary by location

Customer Service

(800) 666-0191

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Earn Unlimited 2.5% Cash Back on All Purchases*

Celebrate the holiday season with Citadel's Cash Rewards Mastercard® and extra
cash back through December 31, 2024. *Select LEARN MORE for offer details.

 * Open Now
 * Learn More

 * Routing #
   231380104
 * Branch Hours
   Mon - Thurs: 8:30 a.m.-5:00 p.m. Friday: 8:30 a.m.-6:00 p.m. Saturday: 9:00
   a.m.-1:00 p.m. *Hours may vary by location Schedule an Appointment
 * Video Connect
   Mon-Fri: 8:00 a.m.-6:00 p.m. Saturday: 9:00 a.m.-1:00 p.m. Video Chat

 * Citadel Locations Near You
 * Rates
 * Member Care

Citadel Locations Near You


OTHER NEARBY LOCATIONS

Search All Branches/ATM Locations
Rates
3.80%APY
High Yield Savings Account
High Yield Savings Rate

4.20%APY
6 Month Certificate
Citadel Standard Certificate Rates

4.20%APY
12 Month Certificate
Citadel Standard Certificate Rates

AS LOW AS
15.74%APR
Cash Rewards Mastercard
Mastercard
variable APR
3.80%APY
High Yield Savings Account
High Yield Savings Rate

4.20%APY
6 Month Certificate
Citadel Standard Certificate Rates

4.20%APY
12 Month Certificate
Citadel Standard Certificate Rates

4.00%APY
24 Month Certificate
Citadel Standard Certificate Rates

AS LOW AS
15.74%APR
Cash Rewards Mastercard
Mastercard
variable APR
AS LOW AS
11.74%APR
Choice Mastercard
Mastercard
variable APR
AS LOW AS
14.74%APR
World Mastercard
Mastercard
variable APR
AS LOW AS
6.19%APR
New Auto - Up to 66 Months
Auto Loan Rates

AS LOW AS
6.49%APR
Used - Up to 66 Months
Auto Loan Rates

AS LOW AS
9.99%APR
Personal Loan
Personal Loan Rates

AS LOW AS
3.99%INTRO
Interest-Only HELOC
Home Equity Loan Rates
variable
AS LOW AS
6.125%RATE
10 Year Refinance Rate
Conventional Mortgage and Refinance Rates
fixed rate
AS LOW AS
6.625%RATE
30 Year Purchase Rate
Conventional Mortgage and Refinance Rates
fixed rate
AS LOW AS
6.625%RATE
10/6 Year ARM
Conventional Mortgage and Refinance Rates
variable rate
Featured Savings Credit Cards Loans Mortgages
View All Rates
Member Care
Video Chat
Call Us
Schedule an appointment
FAQs and Support


HOW CAN WE HELP YOU TODAY?

Open an Account
Credit Cards
Loans
Business Banking
Insure
Security


CITADEL HEART OF LEARNING AWARDS

Do you know an outstanding teacher in the Greater Philadelphia area who deserves
to be recognized?

Tell Us Why


START BUILDING YOUR FINANCIAL STRENGTH


LOCAL HOLIDAY EVENTS & DEALS

Starting Out
Check out this list of local holiday events and shopping deals in the Greater
Philadelphia area that won’t break your budget.



FILING TAXES IN RETIREMENT

Living in Retirement



HOW TO MANAGE YOUR CREDIT CARD

Starting Out



SMALL BUSINESS SECURITY & PRIVACY TIPS

Running a Business



HEAR FROM OUR MEMBERS


> EXCEPTIONAL CUSTOMER SERVICE
> 
> Through Citadel we met Gladys Anderson, a Video Chat Specialist on your Member
> Care Team. We immediately recognized Gladys’ dedication to what she calls
> “Great Customer Service to Loyal Members,” and became convinced that our
> relationship with Citadel, and Gladys, should continue. She is enthusiastic in
> her approach, accessible, proactive, reactive to specific requests, and
> reliable in follow-through. Citadel should use her example to spread the value
> of great customer service to other employees.
> 
> Robert & Mary Jane G.
> Submit Your Story
> Read more customer stories


> TREAT YOU LIKE FAMILY
> 
> With retirement in sight and my interest in settling with a full-service bank
> with a wealth management team, I explored Citadel. My experience has been
> excellent. The wealth management team assisted me in consolidating all of my
> assets, and I was able to select a variety of retirement investments and
> banking options to suit my preferences. I am extremely pleased with the
> service, as well as the highly competitive rates being offered by Citadel. If
> you are looking for a local institution that will go the extra mile for you
> and treat you like family, I unequivocally recommend Citadel.
> 
> Michael P.
> Submit Your Story
> Read more customer stories


> FANTASTIC CUSTOMER SERVICE
> 
> Citadel is the best. We have all our finances with Citadel including our home
> and auto loans, checking and savings accounts, and credit card too. The best
> part is the customer service, which is just fantastic. My credit card was
> compromised in the past. Citadel's customer service team called immediately to
> let me know. We love the branch in Springfield.
> 
> Deborah J.
> Submit Your Story
> Read more customer stories


> MAKING A DIFFERENCE
> 
> Today I worked with Scott at the Limerick branch to help me save money by
> switching my car loan to Citadel. Not only did I save a lot of money without
> extending my loan date, but I freed up some extra cash in the process. The
> whole experience was professional, simple, and easily understood. Scott went
> above and beyond and has demonstrated how working with the right financial
> institution can make a big difference. I will be reaching out again when I am
> ready to purchase my first home.
> 
> David L.
> Submit Your Story
> Read more customer stories


> HIGHLY RECOMMEND CITADEL
> 
> Citadel is a very good provider of banking services in Montgomery and Chester
> County. I have been with them for over 20 years. I do most of my banking
> online. The interest rates are very competitive, and customer service has
> always been very good. I highly recommend Citadel.
> 
> Jim B.
> Submit Your Story
> Read more customer stories


> THE FOCUS IS ON YOU
> 
> I became a member of Citadel in July 2016. I was intrigued with Citadel's
> business model and impressed with their customer-centric approach. They offer
> convenient hours of operation, a "meet-and-greet" philosophy at the door, and
> they go above and beyond to ensure a satisfying experience. Their competitive
> rates and volume of financial products and services are an added bonus. This
> institution truly lives up to their advertised catch phrase, the ‘focus is on
> YOU’.
> 
> Thomas H.
> Submit Your Story
> Read more customer stories


> ONLINE BANKING IS AWESOME
> 
> I first opened my account with Citadel when I was working in Kennett Square 17
> years ago. After 17 years I still have my account with Citadel. Great customer
> service, and their Online Banking is AWESOME.
> 
> Terry E.
> Submit Your Story
> Read more customer stories


> MEMBER SINCE 1953
> 
> I originally joined the Credit Union in 1953, when it was Atlantic Refining
> Credit Union. I saw it change to Lukens Steel Credit Union and then Citadel. I
> have banked at many of the branches including Paoli and Thorndale. When we
> moved to Hatboro, I was pleased to find out a branch opened, right around the
> corner, in Warminster! I have found the representatives in all branches to be
> very friendly, knowledgeable, and efficient.
> 
> Marshall S.
> Submit Your Story
> Read more customer stories

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WHY CHOOSE CITADEL?



Citadel is a not-for-profit credit union that exists to serve the people,
businesses, and neighborhoods of Greater Philadelphia, so they can prosper.

 

Here’s why you should join us:

 Better rates & low (or no!) fees
 No tricks or hidden selling tactics
 Personalized banking experiences, online & in-person
 Open to anyone who lives or spends time in Southeast PA
 All you need to do is open a $5 savings account to join

 






BUILDING STRENGTH TOGETHER

Citadel is a not-for-profit credit union built on the unshakeable promise to
serve those who work every day to build a better future for us all. For over 80
years, we’ve delivered a breadth of financial services, expert guidance, and
innovative tools to help strengthen and grow businesses, families, and our local
communities. We are your Citadel, and we are Building Strength Together.

 * About Citadel
 * Why Choose Citadel?
 * Annual Reports
 * Citadel Locations
 * Contact Us
 * Meet Our New CEO

 * News & Events
 * News
 * Events

 * Careers
 * Benefits & Compensation

 * Giving Back
 * Citadel Heart of Learning Awards
 * Citadel Cares


MEMBER SERVICES

 * Loan Payments
 * Refer-a-Friend
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 * Municipal Accounts
 * Card Rewards
 * Death of a Family Member
 * Email Us
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