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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. If you're already a Civic member and you're considering a business membership, learn how to get started. Not a Civic member yet? Join today.

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Civic Business Checking

Access your accounts confidently and conveniently.

Civic FCU Business debit card
Nationwide ATM fees reimbursed*
Earn dividends on your checking balance
Real-time spending and location-based alerts
  • Permission-based online account access
  • Just $5 to open a Civic Business Checking Account
  • Online Bill Pay and eStatements
  • Deposit remotely with Civic Digital Deposit
  • Civic Direct person-to-person payment
  • Multiple cards available per account
  • 24/7 identity theft and fraud protection
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Civic Business Checking Details


* Fees applicable to any ATM network in the United States and its territories will be charged to member account and then refunded to the same account within two business days of the transaction being posted. Rebated funds will be available for use following the credit union’s nightly processing.

Civic provides eStatements at no cost to account holders. Paper statements are available for a fee of $5 per month. 

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. 

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Civic Business 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
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Civic Business Savings Account Details



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Civic Business Share Term Certificates

Rates done right - choose your term and what you earn.

  • Fixed-rate dividends*
  • Personalized maturity dates and rollover options
  • Automatic dividend deposits
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Civic Business Share Term 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. Funds may be used as collateral for lending. Rates for new STCs are subject to change daily at the discretion of the Board of Directors.

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Civic Business Money Market Accounts

Generous dividends help your money make money.

  • 1% dividends with a balance over $500*
  • Check writing privileges
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Civic Business 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. 

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Civic Business Loans

Affordable rates, generous terms.

  • Civic Equipment Loans
  • Civic Business Term 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.

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Civic Business Auto Loans

We’ll help you keep your business rolling.

  • Autos, vans, light trucks, specialty vehicles
  • $10,000 minimum*

Civic Business Auto Loans Details


* Subject to approval.

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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.

† Data fees may apply. Check with your service provider.  

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Civic Business 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.

Civic FCU Business credit card
1% cash back on purchases*
No Annual Fees, and no application, cash advance or balance transfer fees
  • 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 Business Credit Card Details


* Subject to approval. Rates and credit limit are evaluated based on member’s credit history. Rates are subject to change. Cash back is earned on the net eligible retail purchase transaction volume (i.e. purchases less credits, returns and adjustments) purchased on your Civic Advance Credit Card. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the cash back value of the transaction in question may be deducted from the cash back total during the dispute period. If the transaction is reinstated, the cashback will also be reinstated. Cash back is not eligible on finance charges, fees, cash advances (including purchase of crypto currency and foreign currency), convenience checks, Debt Protection charges, PIN-based purchases, payment of existing card balances, balance transfers, ATM transactions, purchases of and any fees paid towards gift cards, pre-paid cards, re-loadable cards, or payments made for payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, lottery tickets, casino gaming chips, off-track betting, wagers). From time to time, Civic Federal Credit Union may offer special promotional cashback offers that will contain details and limitations at that time. Accounts that are closed or delinquent at the time of the offer are not eligible. Cash back earned on special promotions may take up to two billing cycles following the promotion posting. If more than one Civic Advance Credit Card has been issued for the same Account, cash back from each such card will be pooled together into one cash back balance. Separate accounts under the same household will not be pooled together. If your card is lost or stolen, your cash back balance will be transferred to your new card.

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.