Reviews

This profile includes reviews for Citadel Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Citadel Federal Credit Union has 22 locations, listed below.

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  Citadel Federal Credit Union

  520 Eagleview Blvd Exton, PA 19341-1119

  
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  Citadel Federal Credit Union

  511 E Uwchlan Ave Chester Sprgs, PA 19425-2233

  
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  Citadel Federal Credit Union

  2560 W Ridge Pike East Norriton, PA 19403-3021

  
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  Citadel Federal Credit Union

  75 W Germantown Pike East Norriton, PA 19401-1513

  
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  Citadel Federal Credit Union

  522 King Rd Paoli, PA 19301-1759

  

Review Details

• Review fromSusan F

  Date: 06/28/2025

  1 star
  0 Stars! DO NOT USE THIS CREDIT UNION unless you want to be treated poorly. We financed a car through Citadel, thought we had set up automatic payments, but the due date passed and the payment was not made, I tried to log onto my account to see what happened to my payment. I was unable to log on, got the message that the account was locked due to too many invalid log-in attempts. Called Citadel, spoke with a woman about the payment and the log in problem. I thought she said the payment was made. She said she did not know why I could not log in, and that she would put a "ticket" in to have the problem fixed. I thought everything was taken care of. Days later no payment showed in my checking account, Tried logging in again, got the same message, called them again. This time a man told me the payment was not made, I authorized him to make the payment and set up automatic payments, he said he did. Told him about the log in problem. He had me change my password, it worked once, I logged out, tried to log in, got the same message, repeated the process. He treated me like a child, told me to write down my new password so I would remember it, told me to click the little eye so I could see what I typed. I did all of that and still could not log in. He told me someone would call me that day about the problem. That was on 6/23. No one called. Today 6/28 I get a letter telling me I am overdue on my payment (it was made on the 23rd). Tried to log in, got the same message, called, ***** told me the payment was made, changed my password, logged in, it worked, logged out, tried to log in, was blocked. ***** treated me the same way the previous man did. I asked to speak with a supervisor, tried to explain the problem, the super - ****, only wanted me to answer a "yes/no" question. Would not listen when I tried to explain the problem, said he would "put in a ticket", he would not give me the number of someone who could help me. Told him I was reporting this issue to the BBB.

• Review fromMeg C

  Date: 06/04/2025

  1 star
  How I wish I had read these reviews before applying for a home equity line of credit. Big, fat, waste of time. They are incapable of returning calls, answering calls (including a dysfunctional voice bot that holds up speaking to an individual by on average 10 to 15 minutes). Communication overall is horrific -- including speaking with a loan processor and even after my loan was approved. Who can stand this incompetence? I don't know how they stay in business. Following the comments of others, even after you finally get to speak to a human being, no matter how much security information you give them (including social security number), it's not enough. Their online portal is a complete joke and almost impossible to use.

• Review fromStephanie M

  Date: 03/13/2025

  1 star
  If you are in online Banking, Citadel just asked you for a new approval of their disclosures. In that disclosure you are agreeing to let them charge you multiple times for ***. You cannot use online banking without agreeing to it. The previous president removed phone telecommunications to reduce the amount of complaints and frustrations with their new online banking system which is run by AI and designed to rip you off. Move across the street to *********************************. These guys are trying to rip you off like a for profit bank pretending to be a credit union.On top of this, our family has been a member for multiple generations. Our grandmother recently passed and they allowed her account to be fraudulently depleted with no warnings or freezes. Their fraud department refused to assist us. The folks in the ***** told us the fraud dept.'s job is to protect the bank not consumers. Then we spend a whole year, and these folks are convicted of felonies but Citadel still wants us to PAY THEM. We agreed to pay, then pulled every ***** from these liars. IT COST US THOUSANDS OF DOLLARS TO BANK WITH THIS CREDIT UNION. ******

• Review frombenjamin s

  Date: 02/21/2025

  1 star
  I had the worst banking experience of my life at this branch. From the moment I walked in, I was met with racism and judgment. Despite calling ahead to arrange a withdrawal, I was forced to wait for an outrageous 1.5 hours. Things escalated when the staff falsely accused me of fraud, leading to my detainment by the police. The treatment I received was humiliating, unjustified, and clearly discriminatory.
  This bank’s actions were not only unprofessional but outright racist. I have since contacted my lawyer to pursue legal action regarding this incident. Joe, in particular, was extremely unhelpful and condescending, but the older lady’s behavior was even worse. If you are Black, I strongly advise you to avoid this branch entirely, as they clearly do not treat all customers with fairness and respect.

• Review fromAmy R

  Date: 02/06/2025

  1 star
  I understand charging fees for *** but to charge a fee then charge again for every resubmission so that a $12 charge ends up costing $111 when all is said and done is crazy. Obviously if a person doesnt have $12 for the charge they will not have $99 for the fees. I could understand the $33 fee but to not pay the charge then resubmit it two more times is awful. I have direct deposit my checks are deposited on the same days every month and it seems like you are trying to get in as many charges before that deposit.

• Review fromJorge L

  Date: 11/27/2024

  1 star

  Jorge L

  Date: 11/27/2024

  ******** customer service. I called two times to my bank where i have been a member over 20 years with numerous accounts and waited on the line for **************************************************************************************************** i had to try numerous methods of putting my name in to get the authentication to complete which in turn locked my Apple Pay account out. Then i called again waited 20 mins got moved around in departments to a phone *** who proceeded to tell me i had to setup a Skype/web call to complete my Apple Pay on board. However no one explained why i had Apple Pay fine with my credit card or on my debit card before but with my new phone this while convuluted process had to be followed and then he hung up on me. **** customer service. No consistency in their ***s ********* Im over this credit union. I will pull my accounts and advise others to. They arent helpful and really dont care about the customers.

  Citadel Federal Credit Union

  Date: 11/29/2024

  Thank you for your feedback. We sincerely apologize for the inconvenience and frustration you experienced with our customer service. We understand how important it is to have a smooth and efficient process, especially when it comes to setting up essential services like Apple Pay.We are sorry to hear about the long wait times and the inconsistent information provided by our representatives. This is not the level of service we strive to offer our valued members. Your experience highlights areas where we need to improve, and we appreciate you bringing this to our attention.We would like to resolve this issue for you as quickly as possible. Please contact our dedicated support team at ************************************************ so we can assist you directly and ensure your Apple Pay setup is completed without further issues. Additionally, we will review our procedures and provide additional training to our staff to prevent such occurrences in the future.Thank you for being a loyal member for over ******************************************************************** our services.

• Review fromJackie I

  Date: 09/23/2024

  1 star
  This credit union used to be amazing but not it's absolutely awful. If you accidentally try to make a purchase that will over draw you account. They declined it but then charge you $33. I was told by customer service it's because "a lot of work goes into declining a transaction and they incur fees" which is a lie. There are so many instances of this horrid company lining there pockets but stealing money from people. They should be shut down!

• Review fromYazmin M

  Date: 07/30/2024

  1 star
  This company is a fraud for the hard working consumer. They will charge you a $33 fee for declined transactions. They don't pay the transactions but will charge you a declined fee. Horrendous do not use this bank

• Review fromLisa S

  Date: 04/12/2024

  1 star
  Citadel does not allow me to make a payment from my checking account to my ********************** card account. I cant transfer the money from my checking account to the ********************** card account. I got paid and my payroll check went into my account after 12am on my pay date. They would not allow me to use my card to pay my bills, withdrawal money, or make a payment to my credit card. My car insurance was due, I needed to pay my water & electric bill and was not able to because of the hold they put on my account for $73. They should not put a hold on my account & hold all of my pay, it should only be for the payment that is due. They have made it impossible to make a payment or a transfer to the credit from my account & held my pay up for the $73 owed. How is this fair? This is abusive and controlling and they should legally be allowed to put a hold on my card for anymore than the payment that is due. I have had an account with them since 2009 and this is how they treat me. If they didnt put the restrictions they have on my account i would pay the payment due before the due date, they also added a $35 late fee. I dont feel this is fair banking, its controlling and abusive.

• Review fromKevin A

  Date: 04/09/2024

  1 star
  My account information was leaked and nearly $16,000 was stolen from me back in 2020. I have never recovered financially from this and now am in crippling debt. When I contacted their fraud department the refused any and all attempts to refund any amount of money that was stolen from me telling me that I authorized the payments. This all happened after my identity was stolen and I alerted not only law informant but Citadel as well, they were made aware my identity was compromised and did nothing to reimburse me for all of my savings being drained in the matter of hours. I wish I could review 0 out of 5 stars.