Quicklinks
Top Results
Jumbo Choice Certificate
Lock in up to 4.40% APY1 with a 17-month promotional Jumbo Civic Choice Certificate2 when you have a Signature+ Checking account
17-Month promotional Jumbo Civic Choice Certificate
Bigger returns
Put balances of $75,000 or more to work with a competitive promotional Jumbo Choice Certificate rate
Special rate
Earn up to 4.40% APY1 with Signature+ Checking during this limited-time promotion
Guaranteed growth
Lock in a fixed rate and know what your savings will earn through the certificate term
How to find high-yield saving options for high balance
Choose your term for a better rate and safe, predictable growth
The 17-month special promotional Jumbo Choice Certificate gives you more from your savings, with up to 4.40% APY when you pair it with a Signature+ Checking Account. Without Signature+, you earn 4.30% APY.1
The Civic Jumbo Choice Certificate is similar to a traditional bank certificate of deposit, or CD. It has our best credit union competitive rates with terms between 6 and 60 months (5 years). Choose a term and lock in your high fixed rate for predictable growth on your deposit of $75,000 or more. And reinvest your dividends to maintain the highest competitive rate.
Use the Civic calculator below and see the power of saving with competitive and higher yields than a traditional savings account. Find out if a Jumbo Choice Certificate could be right for you.
Terms
- Minimum deposit is $75,000
- Choose a term from 6 to 60 months
- Dividends compounded monthly and paid monthly, or choose to reinvest automatically
- Must have a Civic Select Savings Account
- Early termination fees apply
Features
- Guaranteed dividends for high-yield growth
- Designed for large deposits
- Flexibility to take monthly dividend payments for lower rate1
- NCUA insured3 for up to $250,000 per member account
Jumbo Choice Certificates
Rates
| -10 | Account Type | Rate | APY1 | Term | Min. deposit to open |
|---|---|---|---|---|---|
| -9 | Jumbo Choice Certificate 6 | 3.73% | 3.80% | 6 months | $75,000 |
| -8 | Jumbo Choice Certificate 12 | 4.02% | 4.10% | 12 months | $75,000 |
| -7 | Promo Jumbo Choice Certificate 17 | 4.218% | 4.30% | 17 months | $75,000 |
| -6 | Promo Jumbo Choice Certificate 17 with Signature+ Checking | 4.318% | 4.40% | 17 months | $75,000 |
| -5 | Jumbo Choice Certificate 18 | 4.02% | 4.10% | 18 months | $75,000 |
| -4 | Jumbo Choice Certificate 24 | 4.12% | 4.20% | 24 months | $75,000 |
| -3 | Jumbo Choice Certificate 36 | 3.88% | 3.95% | 36 months | $75,000 |
| -2 | Jumbo Choice Certificate 48 | 3.92% | 4.00% | 48 months | $75,000 |
| -1 | Jumbo Choice Certificate 60 | 4.02% | 4.10% | 60 months | $75,000 |
Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 09/02/2026
See how these certificates match up
Use the calculator to compare the growth between two different certificate of deposits or terms.
Life is digital
So are these everyday financial tools
Product comparison
Go big! Civic Jumbo Choice Certificates = the best rates around
Civic
Promotional term
17-month
Promotional rate
4.30% APY
Minimum deposit
$75,000
Coastal Credit Union
Term
15-month
Rate
4.10% APY
Minimum deposit
$100,000
Credit One Bank
Term
12-month
Rate
4.30% APY
Minimum deposit
$100,000
More to explore
We thought this could be helpful too
Money Market Account
This Money Market Account helps balances grow faster than a traditional savings account. Members access moeny whenever - no restrictions
- Open a Money Market Account with $250
- Earn 2.05% APY when you maintain $250 balance or more
- Money Market Account can be used as overdraft transfer option
Open a Jumbo Choice Certificate to super-size growth on your large deposit
Choose a high-yield savings option for guaranteed growth, on your terms. Choose growth, always.
You know the details matter (and you are in good company)
Here are a few FAQs
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
1 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.
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 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.
3 Deposit accounts at Civic are federally insured by the National Credit Union Administration up to $250,000 per member account, based on the types and ownership categories of your accounts.
Recommended articles
The ultimate resource for your banking needs
Money Mentor
How to avoid overdrawn fees
Money Mentor
6 money tips for recent graduates
Money Mentor
7 ways to stretch your holiday food budget
Money Mentor
How to earn money with a Checking Account