Rates
Personal Deposit Rates
| Account Type | Rate | APY* | Min. Deposit To Open |
|---|---|---|---|
| Civic Select Savings† | 0.50% | 0.50% | $1 |
| Civic Money Market‡ | 0.75% | 0.75% | $500 |
* 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 0.75% 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
| Account Type | Rate | APY* | Min. Deposit To Open |
|---|---|---|---|
| Civic Bonus Checking (Qualified) † | 1.00% | 1.01% | $5 |
| Civic Bonus Checking (Unqualified) | 0.15% | 0.15% | $5 |
* APY: Annual Percentage Yield
† 1.00% APY 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. This bonus dividend rate is paid on balances up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.
Personal Deposit Rates
| Account Type | Rate | APY* | Term | Min. Deposit To Open |
|---|---|---|---|---|
| Civic Choice Certificate | Rates and terms vary based on Certificate chosen | $500 | ||
| Share Term Certificate 18 | 0.85% | 0.85% | 12-18 months | $500 |
| Share Term Certificate 24 | 1.05% | 1.06% | 19-24 months | $500 |
| Share Term Certificate 36 | 1.30% | 1.31% | 25-36 months | $500 |
| Share Term Certificate 48 | 1.40% | 1.41% | 37-48 months | $500 |
| Share Term Certificate 60 | 1.55% | 1.56% | 49-60 months | $500 |
Dividend Rates Information
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.
Minimum opening deposit is $500. Share term certificates are fixed-rate accounts. Dividends are compounded daily 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. Rates are subject to change daily at the discretion of the Board of Directors.
* APY: Annual Percentage Yield
Personal Loan Rates
| Account Type | APR * |
|---|---|
| Civic Rewards Credit Card (Unsecured) | As low as 9.50% |
| Civic Secured Credit Card | As low as 9.50% |
Rates and credit limit are evaluated based on member’s credit history; rates are subject to change without notice.
* APR: Annual Percentage Rate
Personal Loan Rates
| Account Type | APR * |
|---|---|
| Personal Loan | As low as 4.50% |
| Personal Line of Credit | As low as 6.25% |
Rates and credit limit are evaluated based on member’s credit history. As lows as rate indicates .50% discount for using auto debit from a Civic deposit account.
* APR: Annual Percentage Rate
Personal Loan Rates
| Account Type | APR * |
|---|---|
| New Auto | As low as 1.99% |
| Used Auto | As low as 1.99% |
Rates are evaluated based on member's credit history. Rates are subject to change without notice. As low as rate indicates .25% discount for using auto debit from a Civic deposit account.
*APR = Annual Percentage Rate.
Personal Loan Rates
| Account Type | APR * |
|---|---|
| Home Equity Line of Credit | As low as 3.25% |
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.
*APR = Annual Percentage Rate.
Business Deposit Rates
| Account Type | Rate | APY* | Min. Deposit To Open |
|---|---|---|---|
| Civic Business Savings† | 0.25% | 0.25% | $1 |
| Civic Business Money Market‡ | 0.50% | 0.50% | $500 |
| Civic Nonprofit Money Market◊ | 0.75% | 0.75% | $500 |
* 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 0.50% 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.
◊ Minimum opening balance is $500. APY of 0.75% 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.
Business Deposit Rates
| Account Type | Rate | APY* | Min. Deposit To Open |
|---|---|---|---|
| Civic Business Checking | 0.15% | 0.15% | $5 |
* APY: Annual Percentage Yield
Business Deposit Rates
| Account Type | Rate | APY* | Term | Min. Deposit To Open |
|---|---|---|---|---|
| Civic Business Share Term Certificate† | Rates and terms vary based on Certificate chosen | $500 | ||
| Share Term Certificate 18 | 0.70% | 0.70% | 12-18 months | $500 |
| Share Term Certificate 24 | 0.75% | 0.75% | 19-24 months | $500 |
| Share Term Certificate 36 | 0.85% | 0.85% | 25-36 months | $500 |
| Share Term Certificate 48 | 1.00% | 1.01% | 37-48 months | $500 |
| Share Term Certificate 60 | 1.15% | 1.16% | 49-60 months | $500 |
Dividend Rates Information
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.
* APY: Annual Percentage Yield
† Minimum opening deposit is $500. Share term certificates are fixed-rate accounts. Dividends are compounded daily 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. Rates are subject to change daily at the discretion of the Board of Directors.