CitadelMoney market accountChecked Oct 10, 2026Updated
Citadel Money Market Account
0.45%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $45 after fees
- Monthly fee
- $10 a month
- On our list
- #52 of 152 money market accounts, by a year’s value on $10,000
Visit CitadelThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | – | −$120 |
| $5,000 | 0.45% | $22 |
| $10,000 | 0.45% | $45 |
| $25,000 | 0.50% | $125 |
| $50,000 | 0.50% | $250 |
| $100,000 | 0.55% | $550 |
Rates by balance
| Balance | APY |
|---|---|
| $2,500 to $24,999.99 | 0.45% |
| $25,000 to $74,999.99 | 0.50% |
| $75,000 to $249,999.99 | 0.55% |
| $250,000 and up | 0.75% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Balance needed for the APY
- $2,500Source · checked Oct 10, 2026
Fees
- Monthly fee
- $10 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- waived for 60 days following account opening
- After 60 days, the $10 monthly service fee is waived if the average daily balance is $2,500 or more.
- Monthly service fee does not apply to any account held by a member under the age of 21.
- Overdraft fee
- $33Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $33Source · checked Oct 10, 2026
- Most overdraft fees in a day
- 3Source · checked Oct 10, 2026
- Paper statements
- $2 a monthSource · checked Oct 10, 2026
- Inactivity fee
- $5Source · checked Oct 10, 2026
Features
Branch accessCheck writingInterest bearingMobile check depositOverdraft 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