Select Savings Account

Use this savings account to save better, with digital tools and dividends on your account balance

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A smiling woman, happy with her decision to join Civic by opening a Select Savings Account.

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.

A man sits on a balcony, feeling pleased with his decision to open a Civic Select Savings Account.

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

Ready to save?

Open a Select Savings Account to save, then spend

open today

Life is digital

So are these everyday financial tools

Graphic of bills that shows how easy it is to use bill pay.

Pay bills from anywhere or schedule them in the app

Send and receive money - fast, safe, and easy

A Civic member reaching their financial goals with our helpful budgeting tool.

Make informed decisions from your spending data, credit score

Steady Save Savings Account

Save at your own pace for any goal! Automate your savings for that vacation, a new vehicle or more!

Automatic savings using your small, affordable steps
Select how much and how often to save
Choose an annual date for funds to distribute to your Select Savings Account
Dividends compound daily, paid monthly

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Woman checking her Money Market dividends on the Civic Credit Union mobile app.

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 2.00%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

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You know the details matter (and you are in good company)

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 contact the Experience Center.

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 (053185723).

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.

Civic Direct Deposit Authorization Form

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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.

open today

¹ 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. A $1 fee is charged each month the account balance drops 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.