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Your checking and savings can work better together
Earn 4.20% APY1 with a 17-month Choice Certificate2—boost your rate3 to 4.30% APY when you bundle with Signature+ Checking
Save
Get a .10% rate boost3 on Choice Certificates with Signature+ Checking
Earn
Enjoy predictable earnings with dividends compounded monthly for the 17-month term
Act now
Take advantage of this limited time 17-month offer for a standard and Jumbo Choice Certificates4
Your checking has a plus. Your savings should, too.
With Signature+ Checking, you have access to up to $1,3005 in everyday benefits and protections, including a rate boost when you bundle it with a 17-month Choice Certificate2. That means added value from the account you use every day and a higher dividend on money you’re saving for future goals.
Your checking account and savings can work better together. Lock in 4.20% APY1 with a promotional 17-month Choice Certificate2 or get a rate boost3 of 4.30% APY when you bundle it with Signature+ Checking.
17 month promotional base rate
4.20% APY1
+
Signature+ rate boost
.10%4
=
Your rate
4.30% APY
At the same time, enjoy the benefits and protections of Signature+ Checking—from roadside assistance and auto warranty discount, to cell phone and identity theft protections. A rate worth choosing and benefits worth using.
Have $75,000 or more to save?
Choose a 17-month Promotional Jumbo Choice Certificate4 and earn up to 4.40% APY for your deposits of $75,000 or more with a Signature+ Checking Account.
| 0 | Account type | APY1 | Signature+ Checking APY | Min. deposit to open |
|---|---|---|---|---|
| 1 | Promo Choice Certificate 17 | 4.20% | 4.30% | $250 |
| 2 | Promo Jumbo Choice Certificate 17 | 4.30% | 4.40% | $75,000 |
| 3 |
Terms
- Choose a 17-month Promotional Choice Certificate or make it a 17-month Jumbo
- $250 minimum opening as a one-time deposit; $75,000 for Jumbo Choice Certificate
- Fixed rates and terms
- Early withdrawal penalty applies
Features
- Set your high-yield savings for 17 months
- Dividends compound monthly and can be reinvested
- Auto renew for same certificate term or move funds to another account at term’s end
- Use as collateral for a Civic loan
Ready to grow your savings?
Bundle any 17-month promotional Choice Certificate2 with a Signature+ Checking Account to get a rate boost!3
You know that details matter (and you are in good company)
Here are a few FAQs
What is the early withdrawal penalty?
The early withdrawal penalty for Civic Choice Certificates uses dividend funds and is calculated based on the term of your account. Here is how we calculate early withdrawal penalties:
- Terms of 6 to 11 months = forfeiture of 90 days’ dividends
- Terms of 12 to 60 months = forfeiture of 180 days’ dividends
The early penalty withdrawal applies to all Civic Choice Certificates.
Are there any exceptions to the penalty?
Civic Choice Certificates have customizable terms that provide you with flexible planning. Our team recognizes that extenuating circumstances do happen. If you are a member with an account and need to communicate a circumstance to us, please contact the Experience Center for more information.
What's the difference between a Choice Certificate and a CD?
There's just one basic difference: Credit unions and banks call the same product different names. Share Term Certificates (like our Choice Certificate) are how credit unions say it. Certificates of Deposit, or CDs, are what banks say.
Are dividends the same as interest?
Credit unions refer to the money earned by deposit accounts as dividends. Other financial institutions commonly call this money interest. The IRS views dividends the same as interest.
How can I put money into a Choice Certificate?
If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account securely, and authenticated within a few business days. . Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)
What happens when my Jumbo Choice Certificate matures?
If you haven’t already issued instructions to us, we will contact you and ask for your direction prior to the maturation of your Certificate. You may choose to auto-renew your principal (and any dividends earned) at the updated rate for the same term, or you can elect to transfer the funds to another account.
You will have a grace period of 10 calendar days to issue a decision. If we don’t hear from you, your Certificate will be automatically renewed at the updated rate for the same term.
How are the dividends paid out for the Jumbo Choice Certificate?
You can choose to reinvest the dividends or take monthly payouts throughout the Certificate’s term.
What is the early withdrawal penalty?
If you elect to withdraw your deposit before the certificate matures, the penalty is as follows:
90 days’ interest for terms 12 months or less
180 days’ interest for all other terms
Boost your savings with a high-rate Choice Certificate
Get up to 4.30% APY1 with a 17-month Promotional Choice Certificate2 from a .10% boost from having a Signature+ Checking Account.
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 qualify for the 0.10% rate boost, members must be the primary account holder of a Signature+ Checking Account. The bonus applies to new and renewed Choice Certificates.
4 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.
5 Enrollment in Signature+ Checking qualifies the member for 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 or in the primary account holder's name to be applied. 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.