Rates

^* APY: Annual Percentage Yield
^† Dividend rate applies to accounts with minimum opening deposit of $20 and minimum account balance of $20. Dividends are compounded daily and paid monthly. Funds may be used as collateral for lending. This account is subject to Regulation D, which limits certain types of transactions to six per month.
^‡ Minimum opening balance is $500. APY of 1.25% applies to minimum balance of $500. For balances below $500, APY is 0.00%. Dividends are paid monthly. This account is subject to Regulation D, which limits certain types of transactions to six per month. Funds may be used as overdraft coverage for Civic Checking Accounts.

^* APY: Annual Percentage Yield
^† 2% 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%.

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

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

^* APR: Annual Percentage Rate

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

^* APR: Annual Percentage Rate

*APR = Annual Percentage Rate. Rates are evaluated based on member's credit history. Rates are subject to change without notice. 

^* APY: Annual Percentage Yield
^† Dividend rate applies to accounts with minimum account balance of $20. Dividends are compounded daily and paid monthly. This account is subject to Regulation D, which limits certain types of transactions to six per month.
^‡ Minimum opening balance is $500. APY of 1.00% is paid on balances of $500 or above. For balances that fall below the minimum balance requirement, the APY is 0.00%. Dividends are paid monthly. This account is subject to Regulation D, which limits certain transactions to six per month. Funds may be used as overdraft coverage for Civic Business Checking Accounts. 
^∆ Minimum opening deposit is $500. APY of 2.25% is a promotional rate that applies to average daily balances up to $250,000 for 365 days from account opening, if account is opened during the first year of Civic operations. This special rate is limited to two Money Markets account per nonprofit member. Upon expiration of the promotional period, the APY will revert to the currently available rate. This account is subject to Regulation D, which limits certain types of transactions to six per month. See our Truth-in-Savings Disclosure for more information at civicfcu.org/disclosures. Funds may be used as overdraft coverage for Civic Checking Accounts.
^◊ Minimum opening balance is $500. APY of 1.5% applies to minimum balance of $500. Dividends are earned only on the days the available balance is greater than or equal to $500. Dividends compounded daily and paid monthly. This account is subject to Regulation D, which limits certain types of transactions to six per month. See our Truth-in-Savings Disclosure for more information at civicfcu.org/disclosures Funds may be used as overdraft coverage for Civic Checking Accounts.

^* APY: Annual Percentage Yield

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 monthly or rolled back into the certificate account. Funds may be used as collateral for lending. Rates for new STCs are subject to change daily at the discretion of the Board of Directors.