Business Choice Certificate

Reach long-term goals when you lock in a fixed rate for guaranteed growth

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Married couple running their coffee shop and savings their money with a Business Choice Certificate from Civic.

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.

Small business owner feeling great after seeing his Business Choice Certificate earning dividends and growing.

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

Ready to open?

Get a Business Choice Certificate to earn guaranteed dividends on your funds

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Business Choice Certificate

Rates

0	ACCOUNT TYPE	RATE	APY1	TERM	MIN. DEPOSIT TO OPEN
1	Business Choice Certificate 6	4.25%	4.33%	6-11 months	$500
2	Business Choice Certificate 18	4.70%	4.80%	12-18 months	$500
3	Business Choice Certificate 24	4.35%	4.43%	19-24 months	$500
4	Business Choice Certificate 36	3.60%	3.66%	25-36 months	$500
5	Business Choice Certificate 48	3.70%	3.76%	37-48 months	$500
6	Business Choice Certificate 60	3.80%	3.86%	49-60 months	$500

Life is digital

So are these everyday financial tools

Civic Credit Union app graphic that displays the budgeting tool available to you as a member.

See your Civic and non-Civic accounts in one place

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

Pay bills from anywhere or schedule them in the app

Civic provides ATM access any where in the world.

Get cash from any ATM with reimbursed fees

Business Checking Account

Hardworking Business Checking
Open this business checking account to organize, manage, and power your business.

$5 minimum account opening deposit
Unlimited transactions, no daily balance requirements
Earn dividends on your business checking balance
Nationwide unlimited ATM fee reimbursement

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Young woman small business owner utilizing the digital tools Civic provides to manage her business money.

Business Money Market

High-yield business savings

$500 minimum opening deposit
Earn 2.75% dividends with balance above $500
Dividends are compounded daily and paid monthly
No penalties to access funds, ever

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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.

open today

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. Dividend 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.