Save at your own pace for any goal! Automate your savings for that vacation, a new vehicle or more!

• Automatic savings using your small, affordable steps 
• Select how much and how often to save 
• Choose an annual date for funds to distribute to your Select Savings Account 
• Dividends compound daily, paid monthly

The Civic Health Savings Account is a tax-advantaged way to save and pay for qualifying medical expenses for you, your spouse, and dependents.

• For Civic members with High Deductible Health Plans 
• HSA contributions for current year can be made up until April 15 of the following year 
• No tax penalties, HSA transfers custodian to custodian 
• Account has no minimum deposit requirement

The Civic First-time Homebuyer Loan gives you special terms and flexible options to help you enter your homeowner era!  

• First-time homebuyer loan with no down payment required
• Applicant is not a homeowner (for past 3 years or ever!)
• Get up to 97% financing, lower up-front costs
• Choose a fixed or adjustable-rate mortgage (ARM)

Best life with rewards points

• Earn 1% back in rewards points on your purchases
• Rates as low as 14.25% APR
• Loan amounts up to $30,000 (individuals) or $60,000 (joint accounts)
• No application, cash advance or annual fees

Choice Certificates help you save more in stable and predictable ways.

• $250 minimum opening as a one-time deposit 
• Our best deposit rates and yields based on time period 
• 6- to 60-month terms for predictable growth 
• Reinvest dividends or take monthly payouts

This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.

• Open a money market account with $250
• Earn 2.08% when you maintain $250 balance or more
• Access direct deposits up to 3 days early
• Money Market Account can be used as overdraft transfer option
   

These low auto refinance rates could save you hundreds in interest, and lower your car or truck payments.  

• Auto refinance rates as low as 5.25% APR¹
• Quick pre-approvals for auto refinance
• No pre-payment penalties
• Up to 84 months, depending on vehicle age