Choice Certificates

For a limited time, get up to 4.30% APY¹ with a 17-month promotional Choice Certificate² and a boost from your Signature+ Checking Account.

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Couple checking there Civic Choice Certificate account on there mobile device with enjoying a summer walk.

Lock in a fixed rate certificate and boost even higher

This limited time 17-month promotional Choice Certificate can help you earn up to 4.30% APY on your money. When paired with a Signature+ Checking account, the base rate of 4.20% APY goes up to 4.30% APY.

When your savings goals are within the next year and a half, this 17-month promotional Choice Certificate can help you earn a high fixed rate with the access you need after just 17 months.

Remember, having a Signature+ Checking Account will give your APY a boost!

Couple opening the promo Choice Certificate for 17 months through Civic online banking app.

Terms

Choose for yourself

$250 minimum opening as a one-time deposit¹
Fixed rates, yields based on selected term
6- to 60-month terms
Early withdrawal penalty applies

Features

Plan your savings

Dividends compound monthly
Auto renew for same certificate term or move funds to another account at term’s end
Choose to reinvest dividends or take monthly payouts
Use as collateral for a Civic loan

Get up to 4.30% APY with a 17-month promotional Choice Certificate!

Members with a Signature+ Checking Account get an additional .10% APY¹

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Choice Certificate rates

-9	Choice Certificate	Dividend rate	APY¹	Term	Min. deposit to open
-8	Choice Certificate 6	3.59%	3.65%	6-11 months	$250
-7	Promo Choice Certificate 17	4.12%	4.20%	17 months	$250
-6	Promo Choice Certificate 17 with Signature+ Checking	4.22%	4.30%	17 months	$250
-5	Choice Certificate 18	3.92%	4.00%	12-18 months	$250
-4	Choice Certificate 24	4.02%	4.10%	19-24 months	$250
-3	Choice Certificate 36	3.78%	3.85%	25-36 months	$250
-2	Choice Certificate 48	3.63%	3.70%	37-48 months	$250
-1	Choice Certificate 60	3.92%	4.00%	49-60 months	$250

Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 02/02/2026

Life is digital

So are these everyday financial tools

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Pay bills from anywhere or schedule them in the app

Send and receive money - fast, safe and easy

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Make informed decisions from your spending data, credit score and goals

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Signature+ Checking

Our signature online checking account works hard for you. Unlock perks to get annual savings up to $1,300 from built-in benefits and exclusive perks, dividends on your balance, ATM fees reimbursed, and more.

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Woman checking her Money Market dividends on the Civic Credit Union mobile app.

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

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You know that details matter (and you are in good company)

Here are a few FAQs

What is the early withdrawal penalty?

The early withdrawal penalty for Civic Choice Certificates uses dividend funds and is calculated based on the term of your account. Here is how we calculate early withdrawal penalties:

Terms of 6 to 11 months = forfeiture of 90 days’ dividends
Terms of 12 to 60 months = forfeiture of 180 days’ dividends

The early penalty withdrawal applies to all Civic Choice Certificates.

Are there any exceptions to the penalty?

Civic Choice Certificates have customizable terms that provide you with flexible planning. Our team recognizes that extenuating circumstances do happen. If you are a member with an account and need to communicate a circumstance to us, please contact the Experience Center for more information.

What's the difference between a Choice Certificate and a CD?

There's just one basic difference: Credit unions and banks call the same product different names. Share Term Certificates (like our Choice Certificate) are how credit unions say it. Certificates of Deposit, or CDs, are what banks say.

Are dividends the same as interest?

Credit unions refer to the money earned by deposit accounts as dividends. Other financial institutions commonly call this money interest. The IRS views dividends the same as interest.

How can I put money into a Choice Certificate?

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account securely, and authenticated within a few business days. . Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

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Boost your savings with a high-rate Choice Certificate

Lock in a high rate to save more than a traditional savings account can offer. Find the best deposit rates for predictable growth.

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1 APY = Annual Percentage Yield. Civic membership required. Minimum opening deposit is $250. 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 daily at discretion of the 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 Choice Certificate is $250.00. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.