Need flexibility? With our Money Market Account, you get competitive rates and access to your savings any time you need it.
Choice Certificates
Choice Certificates
Grow steady on your terms
Civic FCU helps you maximize savings your way with certificates
EARN
Enjoy higher dividends than standard savings accounts.
Choose
Choose terms that match your financial goals.
SAVE
Lock in a great rate and reinvest earnings to save more.
Start boosting your savings
Certificates are great for saving money when you don’t need it right away. Opening a Choice Certificate, sometimes called a certificate of deposit or CD, is simple. Chose any time frame between 6 to 60 months. Then make a one-time deposit to lock in the rate.
If you’re looking around for the best CD rates, see what our certificates can do for you.
Now, relax and watch your savings grow.
Choose for yourself
- $250 minimum opening as a one-time deposit
- Terms from 6 to 60 months
- Rates and yields based on time period1
- Early withdrawal penalties apply1
- 7-day grace period between certificate renewals
Plan your savings
- Dividends compound monthly
- Reinvest your earnings or take a monthly dividend payout
- Auto renew for same certificate term, or
- Move funds to another account at term’s end
Get fixed flexibility
- Rates are fixed for the term selected
- Can use certificate as collateral for Civic loans
- Fully insured by NCUA
Rates
Choice Certificates
| Choice Certificate | DIVIDEND RATE | APY | TERM | MIN. DEPOSIT TO OPEN |
|---|---|---|---|---|
| Choice Certificate 6 | 4.25% | 4.33% | 6-11 months | $250 |
| Choice Certificate 18 | 4.75% | 4.85% | 12-18 months | $250 |
| Choice Certificate 24 | 4.00% | 4.07% | 19-24 months | $250 |
| Choice Certificate 36 | 4.00% | 4.07% | 25-36 months | $250 |
| Choice Certificate 48 | 4.20% | 4.28% | 37-48 months | $250 |
| Choice Certificate 60 | 4.50% | 4.59% | 49-60 months | $250 |
Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 02/12/2024
Choice Certificates comparison
If you’re shopping around for the best yields on certificates, let us help! Check out this comparison with other North Carolina credit unions, then make your move toward better savings.
SECU
| 6 months | 4.50% APY |
| 12 months | 5.10% APY |
| 18 months | 4.75% APY |
| 24 months | 4.30% APY |
You know that details matter. [And you are in good company.]
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Disclaimer
1 APY = Annual Percentage Yield. Minimum opening deposit is $250. Civic Choice Certificates are fixed-rate accounts. Dividends are compounded monthly, paid monthly and may be disbursed at maturity or rolled back into the certificate account. Funds may be used as collateral for lending. Applicable fees could reduce balance on account. Dividend rates for new Civic Choice Certificates are subject to change daily at the discretion of the Board of Directors. Within the first 90 days of opening your Civic Choice Certificate, Civic has the ability to restrict or prohibit withdrawals from your account, except as required by law. Penalty will be imposed for early withdrawal.