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 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.

4 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.

5 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.