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Rewards Credit Card

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.

Special 17-month promotional rate 4.20% APY1

Earn more

Earn a fixed rate on funds to use for future business projects.

Choose what works

Start with as litte as $250, or maximize your earning potential with a Jumbo Certificate

Plan confidently

Lock in your special rate for 17 months and know what your business savings will earn.

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?

Business members can take advantage of these special rates for a limited time

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Business Choice Certificate

Rates

-8 ACCOUNT TYPE RATE APY2 TERM MIN. DEPOSIT TO OPEN
-7 Business Choice Certificate 6 3.63% 3.70% 6-11 months $500
-6 Business Promo Choice Certificate 17-Month 4.12% 4.20% 17 months $500
-5 Business Choice Certificate 18 3.92% 4.00% 12-18 months $500
-4 Business Choice Certificate 24 4.02% 4.10% 19-24 months $500
-3 Business Choice Certificate 36 3.78% 3.85% 25-36 months $500
-2 Business Choice Certificate 48 3.83% 3.90% 37-48 months $500
-1 Business Choice Certificate 60 3.92% 4.00% 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

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

  • Open with $5 deposit; no minimum balance requirement to earn dividends
  • Unlimited transactions
  • Earn dividends on your business checking balance
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Business Money Market

High-yield business savings

  • $500 minimum opening deposit
  • Earn 2.03% APY 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 for the Promo Business Civic Choice Certificate is $250. Civic membership required. For all accounts, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For accounts subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. For each account, the dividend period is the account’s term (17 months). The dividend period begins on the first day of the term and ends on the maturity date.

2 APY = Annual Percentage Yield. Civic membership required. Minimum opening deposit is $500. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Funds may be used as collateral for lending. Rates for new certificates subject to change daily at discretion of Civic Credit Union Board of Directors. Within first 90 days of opening certificate, Civic can restrict or prohibit withdrawals from your account, except as required by law. Penalty imposed for early withdrawal could reduce the principal balance.

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