Effective Date: 04/01/2025

1 APY: Annual Percentage Yield

2 Dividend rate applies to accounts with minimum opening deposit of $25 and minimum account balance of $1. Dividends are compounded daily and paid monthly. Funds may be used as collateral for lending. 

3 APY = Annual Percentage Yield. Minimum opening balance is $250. APY of 2.10% is paid on balances of $250 or above. Dividends are compounded daily and paid monthly when balance requirement is equal to or greater than $250. A $2 monthly maintenance fee is charged when account balance drops below $250. See our Truth-in-Savings Disclosure for more information at civicfcu.org/disclosures.

Effective Date: 10/17/2023

1 APY: Annual Percentage Yield

2 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%.

3 Dividend rate applies to accounts with a minimum balance of $5. Dividends are compounded daily and paid monthly.

Effective Date: 04/01/2025

Dividend Rates Information
1 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. 

Effective Date: 03/26/2025

1 APY = Annual Percentage Yield. Rate may be subject to change daily at the discretion of the Board of Directors. A service fee of $1 will be charged each month the balance is below $25 at statement date. Fees could reduce the balance on the account.

Effective Date: 11/14/2024

1 APY = Annual Percentage Yield.

Effective Date: 03/02/2025

1 APR: Annual Percentage Rate

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

Effective Date: 11/27/2024

1 APR = Annual Percentage Rate.

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

Effective Date: 04/01/2025

1 APR = Annual Percentage Rate.

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

Effective Date: 12/30/2024

1 APR = Annual Percentage Rate. Subject to approval. The minimum APR for a Traditional or Interest-Only Civic Federal Credit Union Home Equity Line of Credit (HELOC) is variable during the draw period and is 7.50% or the 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 for Interest-Only HELOC 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 HELOC is 18%. Rates are subject to change daily. Civic membership must be established prior to scheduled closing. No purchase money seconds. Adequate property and flood insurance are required for the life of the loan. The minimum loan amount for a HELOC is $5,000. If your loan requires an appraisal, title insurance, or attorney fees, they must be paid at the borrower’s expense. Fees range from $700 to $4,000.

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.