1 APY = Annual Percentage Yield. Civic membership required. Minimum opening deposit is $250. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Funds may be used as collateral for lending. Rates for new certificates subject to change daily at discretion of the Civic Credit Union Board of Directors. Within first 90 days of opening certificate, Civic can restrict or prohibit withdrawals from your account, except as required by law. Penalty imposed for early withdrawal could reduce the principal balance. 

2 To open any account, you must deposit or already have on deposit the minimum required share(s) in any account. The minimum balance for the 17-Month Promotional Choice Certificate is $250.00. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. 

3 To open any account, you must deposit or already have on deposit the minimum required share(s) in any account. The minimum balance for the 17-Month Promotional Jumbo Choice Certificate is $75,000.00. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.

4 Enrollment in Signature+ Checking qualifies the member for full program benefits. Savings are dependent on member utilization of benefits. Predicted savings are subject to change. Certain benefit options must be paid from the Signature+ Checking Account to be covered. Account will incur a monthly fee and will be deducted from the account at the end of the month. Account qualifies member for our best dividend rate on Signature+ Checking balances. $1 of the $6 per month fee is donated to the Civic Foundation. 

5- Any vehicle with wheels is covered under the program if it is classified as ‘Light Duty.’ ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program. Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Civic Federal Credit Union shall not have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor your financial institution provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. Subject to the terms and conditions detailed in the Guide to Benefits.

6- $200 discount on an auto warranty purchase

7- Get reimbursed for covered expenses incurred from identity theft, identity and credit monitoring, and more

8 APY = Annual Percentage Yield. Minimum opening deposit is $75,000. Civic Select Savings Account required. Fixed-rate account; dividends are compounded monthly and paid monthly into Certificate. Earnings may be paid monthly into Civic Select Savings Account, which will reduce the dividend yield. Funds may be used as collateral for lending. Rates for new certificates subject to change daily at discretion of Civic Credit Union Board of Directors. Within first 90 days of opening certificate, Civic can restrict or prohibit withdrawals from your account except as required by law. Penalty imposed for early withdrawal could reduce the principal balance.