Returning applicant?
Check the Status Center

Top Results

Rates

Rates

Personal Deposit Rates

Savings Accounts

Account TypeRateAPY*Min. Deposit To Open
Select Savings Account0.90%0.90%$1
Money Market Account2.00%2.01%$500
Effective Date: 03/31/2023

APY: Annual Percentage Yield
† Dividend rate applies to accounts with minimum opening deposit of $1 and minimum account balance of $1. Dividends are compounded daily and paid monthly. Funds may be used as collateral for lending. 
‡ Minimum opening balance is $500. APY of 2.01% is paid on balances of $500 or above. For balances that fall below the minimum balance requirement, the APY is 0.00%. Dividends are compounded daily and paid monthly. Funds may be used as overdraft coverage for Civic Business Checking Accounts. Dividend rates subject to change at the discretion of the Board of Directors. See our Truth-in-Savings Disclosure for more information at civicfcu.org/disclosures.

Personal Deposit Rates

Checking Accounts

Account TypeRateAPY*Min. Deposit To Open
Bonus Checking Account (Qualified) 0.50%0.50%$5
Bonus Checking Account (Unqualified)0.15%0.15%$5
Effective Date: 10/17/2023

* APY: Annual Percentage Yield
0.50% APY = Annual Percentage Yield. Dividend rate applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. Upon qualifying, APY of 0.50% will be applied to your average daily account balance during the following month up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit for the Civic Bonus Checking Account is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.

Personal Deposit Rates

CHOICE Certificates

Account TypeRateAPY*TermMin. Deposit To Open
Choice CertificateRates and terms vary based on Certificate chosen$250
Choice Certificate 64.25%4.33%6-11 months$250
Choice Certificate 184.75%4.85%12-18 months$250
Choice Certificate 244.00%4.07%19-24 months$250
Choice Certificate 364.00%4.07%25-36 months$250
Choice Certificate 484.20%4.28%37-48 months$250
Choice Certificate 604.50%4.59%49-60 months$250
Effective Date: 02/12/2024

Dividend Rates Information
APY: Annual Percentage Yield

Minimum opening deposit is $250. Civic Choice certificates are fixed-rate accounts.. Dividends are compounded monthly and paid monthly. Dividends may be disbursed at maturity or rolled back into the certificate account. Funds may be used as collateral for a Civic loan. Dividend rates are subject to change daily at the discretion of the Board of Directors.

Dividend rates on shares have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. 

Personal Loan Rates

Credit Cards

Account TypeAPR *
Rewards Credit CardAs low as 14.75%
Secured Credit CardAs low as 14.75%
Classic Credit CardAs low as 12.00%
Effective Date: 10/01/2023

APR: Annual Percentage Rate

Rates and credit limit are evaluated based on member’s credit history; rates are subject to change without notice. 

Personal Loan Rates

Personal Loans

Account TypeAPR *
Personal LoanAs low as 10.25%
Personal Line of CreditAs low as 12.00%
Emergency LoanAs low as 14.00%
Effective Date: 10/26/2023

*APR = Annual Percentage Rate.

Rates and credit limit are evaluated based on member’s credit history. 

Personal Loan Rates

Vehicle Loans

Loan TypeAPR *Term
New AutoAs low as 7.74%Up to 72 months
New AutoAs low as 7.99%73-96 months
Used AutoAs low as 7.74%Up to 72 months
Used AutoAs low as 7.99%73-84 months
Effective Date: 10/26/2023

*APR = Annual Percentage Rate.

Rates are evaluated based on member's credit history. Rates are subject to change without notice. 

Personal Loan Rates

HELOC

Account TypeAPR *
Home Equity Line of Credit (Traditional)As low as 8.50%
Home Equity Line of Credit (Interest-only)As low as 9.00%
Effective Date: 08/10/2023

*APR = Annual Percentage Rate. The APR for a Traditional or Interest-Only Civic Federal Credit Union Home Equity Line of Credit is variable during the draw period and based on Prime Rate as published in the Wall Street Journal, ten days before the end of the prior month (called the “Index”), plus a margin. The margin starts at 1% APR. Your margin will be determined by several factors including but not limited to your credit qualifications, combined loan-to-value and loan amount. The maximum APR for a home equity line of credit is 18%. Rates are subject to change daily. Civic membership must be established prior to scheduled closing.

Rates are evaluated based on member's credit history. Rates are subject to change without notice. All applicants must meet underwriting criteria. Loan or line amount may be up to 90% less the amount owed on outstanding mortgages, if any. 

Business Deposit Rates

Share Accounts

Account TypeRateAPY*Min. Deposit To Open
Business Savings Account0.25%0.25%$1
Business Money Market Account2.75%2.76%$500
Civic Nonprofit Money Market3.00%3.01%$500
Effective Date: 06/07/2023

APY: Annual Percentage Yield
† Dividend rate applies to accounts with minimum account balance of $1. Dividends are compounded daily and paid monthly.
‡ Minimum opening balance is $500. Annual Percentage Yield of 2.76% is paid on balances of $500 or above. For balances that fall below the minimum balance requirement, the APY is 0.00%. Dividends are compounded daily and paid monthly. Funds may be used as overdraft coverage for Civic Business Checking Accounts. Dividend rates subject to change at the discretion of the Board of Directors. See our Truth-in-Savings Disclosure for more information at civicfcu.org/disclosures.
◊ APY = Annual Percentage Yield. Minimum opening balance is $500. APY of 3.01% is paid on balances of $500 or above. Dividends are compounded daily and paid monthly when balance requirement is equal to or greater than $500. Dividend rates are subject to change at any time. Membership required.

Business Deposit Rates

Checking Accounts

Account TypeRateAPY*Min. Deposit To Open
Business Checking Account0.15%0.15%$5
Nonprofit Checking Account0.15%0.15%$5
Effective Date: 03/07/2019

APY: Annual Percentage Yield

Business Deposit Rates

Business Choice Certificates

Account TypeRateAPY*TermMin. Deposit To Open
Business Choice CertificateRates and terms vary based on Certificate chosen$500
Business Choice Certificate 63.75%3.82%6-11 months$500
Business Choice Certificate 184.00%4.07%12-18 months$500
Business Choice Certificate 244.05%4.12%19-24 months$500
Business Choice Certificate 363.95%4.02%25-36 months$500
Business Choice Certificate 484.15%4.22%37-48 months$500
Business Choice Certificate 604.35%4.43%49-60 months$500
Effective Date: 10/03/2023

Dividend Rates Information
APY = Annual Percentage Yield.
† Minimum opening deposit is $500. Civic Choice Certificates are fixed-rate accounts. Dividends are compounded monthly 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. 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 Business Choice Certificate, Civic has the ability to restrict or prohibit withdrawals from your account. Penalty may be imposed for early withdrawal.