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Business Jumbo Choice Certificates
Earn predictable dividends for your business savings with a Business Jumbo Choice Certificate
Premium rates
Earn higher dividends than regular Choice Certificates1
Choose
Terms from 6 to 60 months
Federally insured
NCUA insured up to $250,0002
Business savings options for large deposits
Your business decisions matter. A stable and sound choice can help create future opportunities. Turn your saving into a business strategy and choose a Civic Business Jumbo Choice Certificate.3
Align your business goals with the power of strategic dividends to build savings. Lock in a higher rate than a traditional Choice Certificate for faster, predictable growth. This Certificate has terms that put you in control of your $75,000 business deposit.
Terms
- Minimum $75,000 deposit
- 6, 12, 18, 24, 36, 48, and 60-month terms
- Early withdrawal penalties apply
- Dividends compounded monthly and paid monthly
Features
- Higher dividends than traditional Choice Certificates1
- Lock in for the term that meets your needs
- Align business savings to future business goals
- Predictable, fixed-rate earnings
Business Jumbo Choice Certificates
Rates
| -8 | Account type | Rate | APY1 | Term | Min. Deposit to open |
|---|---|---|---|---|---|
| -7 | Business Jumbo Choice Certificate 6 | 4.12% | 4.20% | 6 months | $75,000 |
| -6 | Business Jumbo Choice Certificate 12 | 4.36% | 4.45% | 12 months | $75,000 |
| -5 | Business Jumbo Choice Certificate 18 | 4.36% | 4.45% | 18 months | $75,000 |
| -4 | Business Jumbo Choice Certificate 24 | 4.41% | 4.50% | 24 months | $75,000 |
| -3 | Business Jumbo Choice Certificate 36 | 4.46% | 4.55% | 36 months | $75,000 |
| -2 | Business Jumbo Choice Certificate 48 | 3.88% | 3.95% | 48 months | $75,000 |
| -1 | Business Jumbo Choice Certificate 60 | 3.88% | 3.95% | 60 months | $75,000 |
Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 10/15/2025
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Open a Business Jumbo Choice Certificate to grow your savings for future business goals
Turn your business savings into a business strategy with premium rates and flexible terms.
You know the details matter (and you are in good company)
Here are a few FAQs
Can I withdraw the money from my Business Jumbo Choice Certificate?
Yes, but if you choose to withdraw your deposit before the certificate matures, there is a penalty. You’ll forfeit 90 days’ interest for terms 12 months or less or 180 days’ interest for all other terms.
What’s the minimum amount I can keep in a Business Jumbo Choice Certificate?
The minimum deposit for a Business Jumbo Choice Certificate is $75,000.
How can I deposit funds to open a Business Jumbo Choice Certificate?
Contact us at 844-772-4842 to discuss your deposit and the best way to open your Business Jumbo Choice Certificate. You can also visit a Civic branch.
1 APY = Annual Percentage Yield. Civic membership required. Minimum opening deposit is $500. 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. 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 principle balance.
2 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.
3 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. 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. 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.
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