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Jumbo Choice Certificate
Get guaranteed growth for your large deposit with a high-yield, fixed-rate Jumbo Choice Certificate
Earn
Get a higher APY1 for a minimum deposit of $75,000
Predictable
Lock in a fixed, competitive rate for specific time period
Insured
Jumbo Choice Certificates are NCUA insured for up to $250,0002
How to find high-yield saving options for high balance
Choose your term for a better rate and safe, predictable growth
High-yield savings options for large deposits are worth a look. Traditional savings accounts may not be giving you the growth you want or deserve. A Jumbo Choice Certificate can help you earn more on your money with guaranteed returns.
The Civic Jumbo Choice Certificate is similar to a traditional bank certificate of deposit, or CD. It has our best credit union competitive rates with terms between 6 and 60 months (5 years). Choose a term and lock in your high fixed rate for predictable growth on your deposit of $75,000 or more. And reinvest your dividends to maintain the highest competitive rate.
Use the Civic calculator below and see the power of saving with competitive and higher yields than a traditional savings account. Find out if a Jumbo Choice Certificate could be right for you.
Terms
- Minimum deposit is $75,000
- Choose a term from 6 to 60 months
- Dividends compounded monthly and paid monthly, or choose to reinvest automatically
- Must have a Civic Select Savings Account
- Early termination fees apply
Features
- Guaranteed dividends for high-yield growth
- Designed for large deposits
- Flexibility to take monthly dividend payments for lower rate1
- NCUA insured for up to $250,000 per account
Jumbo Choice Certificates
Rates
| -8 | Account Type | Rate | APY1 | Term | Min. deposit to open |
|---|---|---|---|---|---|
| -7 | Jumbo Choice Certificate 6 | 4.12% | 4.20% | 6 months | $75,000 |
| -6 | Jumbo Choice Certificate 12 | 4.36% | 4.45% | 12 months | $75,000 |
| -5 | Jumbo Choice Certificate 18 | 4.36% | 4.45% | 18 months | $75,000 |
| -4 | Jumbo Choice Certificate 24 | 4.41% | 4.50% | 24 months | $75,000 |
| -3 | Jumbo Choice Certificate 36 | 4.46% | 4.55% | 36 months | $75,000 |
| -2 | Jumbo Choice Certificate 48 | 3.88% | 3.95% | 48 months | $75,000 |
| -1 | Jumbo Choice Certificate 60 | 3.88% | 3.95% | 60 months | $75,000 |
Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 10/15/2025
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Product comparison
Go big! Civic Jumbo Choice Certificates = the best rates around
Civic
Terms
12-month
Rate
4.45% APY
Minimum deposit
$75,000
Coastal Credit Union
Term
15-month
Rate
4.30% APY
Minimum deposit
$100,000
Credit One Bank
Term
12-month
Rate
4.20% APY
Minimum deposit
$100,000
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Money Market Account
This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.
- Open a money market account with $250
- Earn 2.08% APY when you maintain $250 balance or more
- Access direct deposits up to 3 days early
- Money Market Account can be used as overdraft transfer option
Open a Jumbo Choice Certificate to super-size growth on your large deposit
Choose a high-yield savings option for guaranteed growth, on your terms. Choose growth, always.
You know the details matter (and you are in good company)
Here are a few FAQs
What happens when my Jumbo Choice Certificate matures?
If you haven’t already issued instructions to us, we will contact you and ask for your direction prior to the maturation of your Certificate. You may choose to auto-renew your principal (and any dividends earned) at the updated rate for the same term, or you can elect to transfer the funds to another account.
You will have a grace period of 10 calendar days to issue a decision. If we don’t hear from you, your Certificate will be automatically renewed at the updated rate for the same term.
How are the dividends paid out for the Jumbo Choice Certificate?
You can choose to reinvest the dividends or take monthly payouts throughout the Certificate’s term.
What is the early withdrawal penalty?
If you elect to withdraw your deposit before the certificate matures, the penalty is as follows:
90 days’ interest for terms 12 months or less
180 days’ interest for all other terms
1 APY = Annual Percentage Yield. Minimum opening deposit is $75,000. Civic Select Savings Account required. Fixed-rate account; dividends are compounded monthly and paid monthly into Certificate. Earnings may be paid monthly into Civic Select Savings Account, which will reduce the dividend yield. Funds may be used as collateral for lending. Rates for new certificates subject to change daily. Within first 90 days of opening certificate, Civic can restrict or prohibit withdrawals from your account except as required by law. Penalty imposed for early withdrawal could reduce the principal balance.
2 Deposit accounts at Civic are federally insured by the National Credit Union Administration up to $250,000 per member account, based on the types and ownership categories of your accounts.
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