Business
Banking
When it comes to helping you achieve financial success on your own terms, Civic means business! With generous deposit rates, a cash-back Mastercard program, no account fees and affordable business loans, Civic offers products and services designed to help you mind your business.
Debit and Checking
Access your accounts confidently and conveniently.
- Permission-based online account access
- Just $5 to open a Civic Checking Account
- Online Bill Pay and e-Statements
- Easy-to-use online banking interface
- Deposit remotely with Civic Digital Deposit
- Civic Direct person-to-person payment
- Multiple cards available per account
- 24/7 identity theft and fraud protection†
Debit and Checking Details
* Fees applicable to any ATM network in the United States will be charged to member account and then refunded to the same account by Civic within one business day. Rebated funds will be available for use following the credit union’s nightly batch processing.
† 24/7 identity theft and fraud protection is provided through Mastercard for Civic debit and credit cards. The service does not apply to checks or ACH transactions. To contact Mastercard directly, call 1.800.627.8372.
Civic Select Savings
Open your account with just $20.
- Goal-based savings account with competitive rates
- Create “savings buckets” to help you stash the cash you’re saving
- Set up Overdraft Transfer Service for a Checking or Money Market Account
Civic Select Savings Account Details
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Civic Choice Certificates
Rates done right - choose your term and what you earn.
- Fixed-rate dividends*
- Personalized maturity dates and rollover options
- Automatic dividend deposits
Civic Choice Certificates Details
* Minimum opening deposit is $500. Share term certificates are fixed-rate accounts. Dividends are compounded daily and paid monthly. Dividends may be disbursed at maturity monthly or rolled back into the certificate account. Rates for new STCs are subject to change daily at the discretion of the Board of Directors.
Civic Money Market
Generous dividends help your money make money.
- 1% dividends with a balance over $500*
- Overdraft Transfer Service with linked accounts
- Check writing privileges
Civic Money Market Account Details
* Minimum opening balance is $500. APY of 1.00% is paid on balances of $500 or above. For balances that fall below the minimum balance requirement, the APY is 0.00%. Dividends are paid monthly. This account is subject to Regulation D, which limits certain transactions to six per month. Funds in this account maybe used as overdraft transfer coverage of Civic Business Checking Accounts.
Civic Business Loans
Affordable rates, generous terms.
- Civic Equipment Loans
- Civic Business Long- and Short-Term Loans
Civic Business Loans Details
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Civic Real Estate Loans
Your place of business meets Civic financing.
- Purchasing, refinancing or constructing commercial property
- $50,000 minimum*
Civic Real Estate Loan Details
* Subject to approval.
Civic Business Auto Loans
We’ll help you keep your business rolling.
- Autos, vans, light trucks, specialty vehicles
- $10,000 minimum*
Civic Auto Loan Details
* Subject to approval.
Civic Revolving Line of Credit
Every business needs a fine line.
- $1,000 minimum*
- Access to funds whenever you need them
Civic Revolving Line of Credit Details
* Subject to approval.
Civic Advance Credit Card
All the benefits and none of the hassle.
The Civic Mastercard has low rates, no annual fees, and can be used everywhere Mastercard is accepted.
- Owner-managed and controlled employee credit cards
- Use everywhere Mastercard is accepted worldwide
- Flexible spending limits, from $1,000 to $30,000*
- Real-time spending and location based alerts
- 24/7 identity theft and fraud protection†
Civic Credit Card Details
* Subject to approval. Rates and credit limit are evaluated based on member’s credit history; rates are subject to change. Credit card may be secured with Civic Savings Account funds. 24/7 identity theft and fraud protection for card is provided through Mastercard; to contact Mastercard directly, call 1.800.627.8372.
† 24/7 identity theft and fraud protection is provided through Mastercard for Civic debit and credit cards. The service does not apply to checks or ACH transactions. To contact Mastercard directly, call 1.800.627.8372.