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Select Savings Account
Use this savings account to save better, with digital tools and dividends on your account balance
Budget
Use digital tools to make a spending plan
Save
Online bank account with options for automatic deposits
Earn
Get competitive rates for savings dividends1
This savings account is a savings engine
The Select Savings Account helps you set savings goals and make a spending plan with easy, digital tools. Decide if you want to save automatically — or not. It’s all up to you. Plus, you will earn dividends on your account balance.
Your money is always available to you with no restrictions, ever. And the best part: You become a member of Civic Credit Union when you open this savings account. Save like you mean it — in all the ways that work for you.
Terms
Earn competitive dividend rates
- Savings account earns deposit dividends of 0.90%1
- $25 minimum opening deposit; $1 fee each month the balance falls below $25
- All dividends are compounded daily and paid monthly
- Funds are insured up to NCUA maximums
Features
Save flexibly, spend wisely
- Use budget tools to set and meet savings goals
- Withdraw money whenever, no fees
- Use as overdraft protection2 for a Civic Bonus Checking Account
- Set up eStatements to get digital statements faster and reduce paper waste
Life is digital
So are these everyday financial tools
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Here are a few FAQs
Do I have to set up savings goals?
No. This is a feature always available to you to help plan for future purchases. Even if you don’t use it now, it’ll be there if you need it.
What does membership mean?
Civic is a credit union. All members have a Select Savings Account opened for them. We even help fund the account with $1. This dollar represents your share of the credit union. That’s right! You’re an owner. Learn more about membership details.
Can I open a Select Savings Account for a minor?
Yes, you can open a Select Savings Account for a minor. It's never too early to start saving! You will need an adult or guardian who is at least 18 years of age who will be listed as a joint account holder. Our process will guide you through the easy steps to open a Select Savings Account for a minor.
Can I open multiple Select Savings Accounts?
Yes, you can open multiple Select Savings Accounts. You just need $25 to open each account. That same amount is the minimum required to maintain your account.
What is required to open a Select Savings Account?
A Select Savings Account can be opened with as little as $25. However, we encourage you to do more. This account was designed to help you reach your savings goals, whatever they may be.
Can I add a beneficiary to my account?
Yes, we give you the flexibility to add and remove beneficiaries on any Civic deposit account. And there are no restrictions on the number of beneficiaries you choose. Tip: Dispersal amounts for your account are delegated equally. To get started fill out the form here, then send via the Message Center under Account Support inside the mobile app or online banking.
How can I access my savings?
If you have have a Civic savings account but not a Civic checking account, you can request an ATM card that allows you access to your funds. Contact the Experience Center to request an ATM card, at 844-772-4842.
The easiest way to access your savings and move your money is through the Civic app! You can use Zelle,® make external transfers from your Select Savings Account, and more.
How do I set up direct deposit?
Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (253184537).
Many employers and government entities that provide direct deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the paying entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form.
Open a Select Savings Account and save like you mean it
Use digital tools to save for your spending goals and earn dividends on your account balance.
1 APY = Annual Percentage Yield; applies to minimum account balance of $1. Minimum opening deposit of $25. Dividends are compounded daily and paid monthly. Funds may be used as collateral for lending. Minimum balance fee of $1 each month balance is below $25.
2 Overdraft Transfer Service is available from Checking, Savings or Money Market accounts with no minimum increments or transfer fees. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits.
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