Business Choice Certificate
Business Choice Certificate

Personalize your business growth

Invest with certainty to achieve your goals

invest
Invest

Make business funds work harder

access
Choose

Select custom terms

Guaranteed
Guaranteed

Earn fixed-rate dividends*

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.*

The Business Choice Certificates put you in control. Select a period, usually between 1 and 5 years, and earn fixed-rate dividends* 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.

Business Choice Certificate

Rates done right

  • Minimum deposit amount $500*
  • Dividend yields are based on the term selected
  • Early withdrawal penalties do apply
Business Certificate of Deposit

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
Business Certificate of Deposit

Achieve your business goals

  • Earn more on your business funds
  • Plan for business goals
  • Lock-in guaranteed dividend yields
Business Certificate of Deposit

Get your automatic dividend payments deposited into a Business Checking Account.

Business Checking Account

Move at the speed of business

  • Earn dividends on your checking balance
  • Deposit with Civic digital deposit
  • Civic direct person-to-person payments
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Rates

Business Choice Certificate
ACCOUNT TYPE RATE APY* TERM MIN. DEPOSIT TO OPEN
Civic Business Choice Certificate Rates and terms vary based on Certificate chosen $500
Business Choice Certificate 18 0.70% 0.70% 12-18 months $500
Business Choice Certificate 24 0.75% 0.75% 19-24 months $500
Business Choice Certificate 36 0.85% 0.85% 25-36 months $500
Business Choice Certificate 48 1.00% 1.01% 37-48 months $500
Business Choice Certificate 60 1.15% 1.16% 49-60 months $500
Effective Date: 3/25/2020
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Disclaimer

* Minimum opening deposit is $500. Share term 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. Rates for new STCs are subject to change daily at the discretion of the Board of Directors.