Citadel Rates

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Mortgage Rates
Please click here to view our current mortgage rates

Deposit Rates

STAR Checking
Effective Date:9/1/2010
			Rate	APY
$2,500.00 to $9,999*			0.00	0.00
$10,0000 and up			0.25	0.25
STAR Premiere Checking
Effective Date:9/1/2010
			Rate	APY
$0 - $4,999.99*			0.00	0.00
$5,000.00 - $24,999.99			0.25	0.25
$25,000.00 and up			0.50	0.50
Certificate of Deposit
Effective Date:9/1/2010
Term	Regular $500+		Jumbo $25,000+		Bonus $75,000+
	Rate	APY	Rate	APY	Rate	APY
3 Month	0.70	0.70	0.75	0.75	0.75	0.75
6 Month	0.80	0.80	0.85	0.85	0.85	0.85
12 Month	1.10	1.10	1.14	1.15	1.14	1.15
18 Month	1.25	1.25	1.34	1.35	1.39	1.40
24 Month	1.59	1.60	1.64	1.65	1.69	1.70
30 Month	1.98	2.00	2.03	2.05	2.13	2.15
36 Month	2.28	2.30	2.33	2.35	2.38	2.40
48 Month	2.38	2.40	2.42	2.45	2.47	2.50
60 Month	2.57	2.60	2.62	2.65	2.67	2.70
84 Month	2.76	2.80	2.82	2.85	2.86	2.90
Savings Accounts
Effective Date:9/1/2010
			Rate	APY
$0 - $2,499*			0.00	0.00
$2,500 - $24,999			0.25	0.25
$25,000 - $74,999			0.25	0.25
$75,000 & Up			0.50	0.50
Auxiliary Savings			0.25	0.25
Holiday Club			0.25	0.25
Money Market
Effective Date:9/1/2010
			Rate	APY
Min. $2,500 - $24,999			0.35	0.35
Min. $25,000 - $74,999			0.60	0.60
Min. $75,000 and over			0.85	0.85
IRA Money Market
Effective Date:9/1/2010
			Rate	APY
Min. $100 - $2,499			0.25	0.25
Min. $2,500 - $24,999			0.35	0.35
Min. $25,000 - 74,999			0.60	0.60
Min. $75,000 and up			0.85	0.85
IRA CD
Effective Date:9/1/2010
Term	Regular $500+		Jumbo $25,000+		Bonus $75,000+
	Rate	APY	Rate	APY	Rate	APY
3 month	0.70	0.70	0.75	0.75	0.75	0.75
6 month	0.80	0.80	0.85	0.85	0.85	0.85
12 month	1.10	1.10	1.14	1.15	1.14	1.15
18 month	1.25	1.25	1.34	1.35	1.39	1.40
24 month	1.59	1.60	1.64	1.65	1.69	1.70
30 month	1.98	2.00	2.03	2.05	2.13	2.15
36 month	2.28	2.30	2.33	2.35	2.38	2.40
48 month	2.38	2.40	2.42	2.45	2.47	2.50
60 month	2.57	2.60	2.62	2.65	2.67	2.70
84 month	2.76	2.80	2.82	2.85	2.86	2.90
*Currently not earning dividends. All rates are accurate as of time of printing and are subject to change without notice. All accounts are federally insured to $250,000 by the National Credit Union Administration, an agency of the U.S. Government. Statement Savings minimum balance requirement - $5, Minimum account balances to earn the APY: Statement Savings - $8, Money Market - $2,500, Certificate Accounts or IRA Certificate Accounts: $500 minimum investment for regular rates; $25,000 minimum investment for jumbo rates; $75,000 minimum investment for bonus rates. Maximum annual 2010 IRA contribution = $5,000. If 50+ years of age, maximum annual 2010 IRA contribution = $6,000. Upon renewal rates for Laddered CDs will be determined based on most current rate schedule. Transaction Limits: Early withdrawals on CDs are subject to penalty. The Money Market account allows a maximum of 6 pre-authorized, automatic, telephone or electronic withdrawals per month. Up to 3 of these can be made by check. Unlimited transactions can be made at any Citadel branch. Minimum balance to earn dividends for a checking account = $5,000.00. Fees may reduce earnings.

Loan Rates

	New Auto Loan*
	Effective Date:9/1/2010

	Rates as low as	APR
	0 to 63 months	3.99
	64 to 66 months	4.64
	67 to 72 months	5.04
	73 to 84 months	7.69

	New Motorcycle Loans*	APR
	New Auto Loan rates + 2.00%	5.99
	Used Auto Loan*
	Effective Date:9/1/2010

	Rates as low as	APR
	Model Year 2009-2006	4.19
	Model Year 2005-2004	6.74
	Model Year 2003	8.19

	Used Motorcycle Loan*	APR
	Used Auto Loan rates + 2.00%	6.19
	Signature Loan*
	Effective Date:9/1/2010
		APR
	36 Months	9.99
	60 Months	9.99
	84 months	10.99
	Credit Card*
	Effective Date:9/1/2010

	Rates as low as	APR
	MasterCard Classic	7.24
	MasterCard Gold	7.24
	MasterCard Platinum	9.99
	Personal Loan
	Effective Date:9/1/2010

	* Variable Rate loan	APR
	Share Secured Loan*	3.25
	(deposit rate + 3.00%)	3.25
	Access Line of Credit*	8.15
	Manufactured Homes
	Effective Date:9/1/2010
		APR
	Up to 120 months*	7.99
	121 to 180 months*	8.49
	181 to 240 months*	8.99
	New Recreational Vehicle
	Effective Date:9/1/2010

	Rates as low as	APR
	Up to 48 months	9.99
	49 to 60 months	10.24
	61 to 84 months	10.49
	85 to 120 months	10.74
	Home Equity Loans
	Effective Date:9/1/2010

	up to 80% LTV**	APR
	5 year - As low as	5.99
	10 year - As low as	6.24
	15 year - As low as	6.49
	20 year - As low as	6.74

	81% to 90% LTV**	APR
	5 year - As low as	6.49
	10 year - As low as	6.74
	15 year - As low as	7.24
	20 year - As low as	7.99
	Line Of Credit
	Effective Date:9/1/2010
		APR
	Variable Rate*	4.00

	*All rates expressed "As Low As" Loan rates expressed as Annual Percentage Rate (APR). Citadel's Gold and Classic MasterCard features a variable rate that is established annually using the Wall Street Journal Prime rate on November 1st and changes on January 1st. The rate equals the prime rate plus 3.99%, 6.99% or 9.99%, depending on your credit score. The Access Line of Credit is based on a prime rate plus 4.9% and is established using the Wall Street Journal Prime rate on November 15 and May 15 and changes on January 1st and July 1st. The HELOC rate is established using the Wall Street Journal Prime rate 10 days prior to the end of the month and changes on the first of the following month. The rate equals Prime -1, Prime and Prime + 1 1/2 depending on credit. Current Prime Rate as of December 31, 2008 is 3.25%. The existing HELOC rate floor is 4.00%. Loans available on primary homes in PA, NJ and DE. Citadel is an equal opportunity lender. All rates are accurate at the time of printing and subject to change without notice. Loan to value (LTV) is determined by dividing all outstanding loan balances vs. the appraised value of the property. Maximum LTV = 90% with excellent credit.

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