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Business Choice Certificate
Reach long-term goals when you lock in a fixed rate for guaranteed growth
Invest
Your business funds, working harder
Choose
Select custom terms
Guaranteed
Earn a fixed-rate yield1
Get guaranteed growth with Business Choice Certificates
Earn higher savings rates than a traditional business savings account to help plan for your business goals, with a Civic Business Choice Certificate. Open the account using funds you do not need to access for a period of time. Select terms between 6 months and 5 years, whatever works for you. Then, make a deposit to lock in your fixed rate of return. These dividends can be re-invested or paid out.
Banks have a similar product called Business Certificates of Deposit. We call them Business Choice Certificates because your choice puts you in total control of your business funds and how they grow. In an uncertain world, guaranteed dividends can bring you some stability.
Terms
- Minimum deposit amount $5001
- Dividend yields are based on the term selected
- Early withdrawal penalties apply
- Dividends are compounded monthly and paid monthly
Features
- Dividend payments can be re-invested or paid out
- 7-day grace period between renewals
- Save for business goals
- Earn more on your business funds
Business Choice Certificate
Rates
| 0 | ACCOUNT TYPE | RATE | APY1 | TERM | MIN. DEPOSIT TO OPEN |
|---|---|---|---|---|---|
| 1 | Business Choice Certificate 6 | 4.27% | 4.35% | 6-11 months | $500 |
| 2 | Business Choice Certificate 18 | 5.36% | 5.50% | 12-18 months | $500 |
| 3 | Business Choice Certificate 24 | 4.27% | 4.35% | 19-24 months | $500 |
| 4 | Business Choice Certificate 36 | 4.12% | 4.19% | 25-36 months | $500 |
| 5 | Business Choice Certificate 48 | 4.17% | 4.25% | 37-48 months | $500 |
| 6 | Business Choice Certificate 60 | 4.22% | 4.30% | 49-60 months | $500 |
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Open a Business Choice Certificate to grow your savings for future business goals
Earn higher savings rates than a traditional business savings account to help plan for your business goals, with a Civic Business Choice Certificate. Similar to a bank certificate of deposit, invest in your business on your terms with your choice.
1 APY = Annual Percentage Yield. Minimum opening deposit is $500. Civic membership is required to open account. Civic Business 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. Rates for new Civic Business 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.
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