Steady Save Savings Account

Build savings with small, steady and automated deposits with a Steady Save Savings Account

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Save

Choose your amount and frequency for automatic savings¹

Easy

Set it and forget it

Flexible

Choose a March or October distribution date to receive your lump sum

Get saving with an automatic savings account

It’s true: To spend, we must save. But being consistent is a big challenge to saving money. The Steady Save account helps you take small, affordable, and automatic steps to save throughout the year. You set your own savings pace and decide how much and how often to save. Then choose the distribution date, either in March or October, for your savings to get deposited into your Civic Select Savings Account.

Live your life while your Steady Save Savings Account helps you save money for that vacation, a tax bill, the holidays, and more. Give yourself a solid way to build automatic savings. Set it and forget it.

A woman sitting on her sofa with her laptop on the coffee table, opening a Civic Steady Save Savings Account.

Terms

Earn competitive dividend rates

$1 minimum deposit to open
Dividends compound daily, are paid monthly
Restricted access to your funds until your distribution date
No maintenance fees

Features

Save flexibly, spend wisely

Select frequency and amount of automatic savings
Stay mindful of your savings goal with a customized account label
Choose payout date (March or October) to Select Savings Account
Automatic savings to remain on track for savings goals

Ready to save?

Set your own pace with a Steady Save account for small and affordable steps to automatic saving

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Life is digital

So are these everyday financial tools

Graphic of a credit score meter to track progress.

Get up close and personal with your credit score

eStatements graphic inside the Civic Mobile app.

Get monthly statements fast, with kindness for our planet

Calendar with direct deposit 3 days early.

Your payroll check can arrive up to 3 days early

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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A woman sits on the floor with her dog by her side, checking the growth of her Civic Choice Certificate account on her phone.

Choice Certificates

Choice Certificates help you save more in stable and predictable ways.

$250 minimum opening as a one-time deposit
Our best deposit rates and yields based on time period
6- to 60-month terms for predictable growth
Reinvest dividends or take monthly payouts

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

Here are a few FAQs

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.

When can I withdraw money from this account?

You choose your distribution date when you open your Steady Save Savings Account. There are two options: The fourth Friday of March, or the fourth Friday of October.

Members are restricted to lump-sum withdrawals for the Steady Save Account during the March and October dates. The account is structured for distributions on the date you choose, but you’re not prohibited from accessing the funds at other times.

What is NCUA deposit insurance?

The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

How are dividends calculated?

Dividends are compounded daily and paid monthly.

Who decides how often I automatically save?

It’s you! You are in total control of how much and how often you save. You will make that decision when you open the Steady Save Account.

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Open a Steady Save Savings Account to save, automatically

Being consistent matters. Especially when it comes to saving money. Set your own pace, earn dividends, and build savings with small, steady and automated deposits with a Steady Save Savings Account.

open today

¹Civic membership required and minimum deposit of $1 to open account. Minimum account balance of $1 required to earn dividends. Dividends are compounded daily and paid monthly. Withdrawals on dates other than the selected payout date options (March/October) do not incur a fee but require member to contact the Civic Experience Center to complete withdrawal.