Get your automatic dividend payments deposited into a Business Checking Account.
Business Choice Certificate
Business Choice Certificate
Personalize your business growth
Invest with certainty to achieve your goals
Invest
Make business funds work harder
Choose
Select custom terms
Guaranteed
Earn fixed-rate dividends1
Grow your resources with certainty
One of the best ways to grow your business is to invest in it. And in an uncertain world, guaranteed dividends can bring stability. Business Choice Certificates help you reach long-term goals with surplus business funds that earn fixed-rate dividends.1
The Business Choice Certificates put you in control. Select a period, between 6 months and 5 years, and earn fixed-rate dividends1 on your money. You can personalize maturity dates and rollover options into additional Certificates, too.
When you think longer term, your business can benefit from the stability of guaranteed dividends.
Rates done right
- Minimum deposit amount $5001
- Dividend yields are based on the term selected
- Early withdrawal penalties do apply
Flexible ways to invest
- Dividend payments can be re-invested or paid out
- 7 day grace period between renewals
- Dividends are compounded monthly and paid monthly
Achieve your business goals
- Earn more on your business funds
- Plan for business goals
- Lock-in guaranteed dividend yields
Rates
Business Choice Certificate
| ACCOUNT TYPE | RATE | APY1 | TERM | MIN. DEPOSIT TO OPEN |
|---|---|---|---|---|
| Business Choice Certificate 6 | 3.75% | 3.82% | 6-11 months | $500 |
| Business Choice Certificate 18 | 4.00% | 4.07% | 12-18 months | $500 |
| Business Choice Certificate 24 | 4.05% | 4.12% | 19-24 months | $500 |
| Business Choice Certificate 36 | 3.95% | 4.02% | 25-36 months | $500 |
| Business Choice Certificate 48 | 4.15% | 4.22% | 37-48 months | $500 |
| Business Choice Certificate 60 | 4.35% | 4.43% | 49-60 months | $500 |
Effective Date: 10/03/2023
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Disclaimer
1 APY = Annual Percentage Yield. Minimum opening deposit is $500. Civic Choice Certificates are fixed-rate accounts. Dividends are compounded monthly 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. Dividend rates for new Civic Choice Certificates are subject to change daily at the discretion of the Board of Directors. Within the first 90 days of opening your Civic Business Choice Certificate, Civic has the ability to restrict or prohibit withdrawals from your account. Penalty may be imposed for early withdrawal.