CitadelChecking accountChecked Oct 10, 2026Updated
Citadel Ultimate Growth Checking
3.22%APY · as of Oct 10, 2026
- A year for an everyday customer
- $0 fees and interest, $2,000 kept
- Monthly fee
- No monthly fee
- On our list
- #321 of 986 checking accounts, by a year’s value for an everyday customer
Visit CitadelThe bank’s own page · checked Oct 10, 2026
Rates by balance
| Balance | APY |
|---|---|
| $5,000 to $9,999 | 1.22% |
| $10,000 and up | 3.22% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Balance needed for the APY
- $5,000Source · checked Oct 10, 2026
- To earn the APY
- Tier 2 Minimum 3-Month Average Daily Balance of $5,000 to earn 0.05% APY
- Tier 3 Minimum 3-Month Average Daily Balance of $10,000 to earn 0.10% APY
- Tier 4 Minimum 3-Month Average Daily Balance of $20,000 to earn 0.15% APY
- Tier 5 Minimum 3-Month Average Daily Balance of $40,000 to earn 0.20% APY
- APY when those aren’t met
- 0.00%Source · checked Oct 10, 2026
- Interest compounds
- See the Membership Agreement and Disclosures for details on the compounding and crediting of interest.Source · checked Oct 10, 2026
Fees
Features
ATM fee rebatesBranch accessEarly direct depositInterest bearingNo minimum balanceOnline openingOverdraft protection transfer
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees