Business Jumbo Choice Certificates

Make the most of your business reserves with a limited time 17-month promotional rate. It's big!

Business savings options for large deposits

Your business decisions matter. A stable and sound choice can help create future opportunities. Turn your saving into a business strategy and choose a Civic Business Jumbo Choice Certificate.⁴

Align your business goals with the power of strategic dividends to build savings. Lock in a higher rate than a traditional Choice Certificate for faster, predictable growth. This Certificate has terms that put you in control of your $75,000 business deposit.

Business partners discussing the benefits of opening a Civic Business Jumbo Choice Certificates

Terms

Minimum $75,000 deposit
6, 12, 18, 24, 36, 48, and 60-month terms
Early withdrawal penalties apply
Dividends compounded monthly and paid monthly

Features

Higher dividends than traditional Choice Certificates²
Lock in for the term that meets your needs
Align business savings to future business goals
Predictable, fixed-rate earnings

Turn your business savings into predictable growth

Lock in a special 17-month rate and put your business savings to work

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Business Jumbo Choice Certificates

Rates

-9	Account type	Rate	APY²	Term	Min. Deposit to open
-8	Business Jumbo Choice Certificate 6	3.73%	3.80%	6 months	$75,000
-7	Business Jumbo Choice Certificate 12	4.02%	4.10%	12 months	$75,000
-6	Business Promo Jumbo Choice Certificate 17-Month	4.218%	4.30%	17 months	$75,000
-5	Business Jumbo Choice Certificate 18	4.02%	4.10%	18 months	$75,000
-4	Business Jumbo Choice Certificate 24	4.12%	4.20%	24 months	$75,000
-3	Business Jumbo Choice Certificate 36	3.88%	3.95%	36 months	$75,000
-2	Business Jumbo Choice Certificate 48	3.92%	4.00%	48 months	$75,000
-1	Business Jumbo Choice Certificate 60	4.02%	4.10%	60 months	$75,000

Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 09/02/2026

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Business Choice Certificate

Business funds, guaranteed growth

Minimum deposit amount $500
Dividend payments can be re-invested or paid out
Plan for business goals
Earn more on your business funds

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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 Jumbo Choice Certificate to grow your savings for future business goals

Turn your business savings into a business strategy with premium rates and flexible terms.

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You know the details matter (and you are in good company)

Here are a few FAQs

Can I withdraw the money from my Business Jumbo Choice Certificate?

Yes, but if you choose to withdraw your deposit before the certificate matures, there is a penalty. You’ll forfeit 90 days’ interest for terms 12 months or less or 180 days’ interest for all other terms.

What’s the minimum amount I can keep in a Business Jumbo Choice Certificate?

The minimum deposit for a Business Jumbo Choice Certificate is $75,000.

How can I deposit funds to open a Business Jumbo Choice Certificate?

Contact us at 844-772-4842 to discuss your deposit and the best way to open your Business Jumbo Choice Certificate. You can also visit a Civic branch.

View All FAQs

1 APY= Annual Percentage Yield. To open any account, you must deposit or already have on deposit the minimum required share(s) in any account. The minimum balance for the 17-Month Promotional Jumbo Choice Certificate is $75,000.00. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.

2 APY = Annual Percentage Yield. Minimum opening deposit is $75,000. Civic Select Savings Account required. Fixed-rate account; dividends are compounded monthly and paid monthly into Certificate. Earnings may be paid monthly into Civic Select Savings Account, which will reduce the dividend yield. 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.

3 Deposit accounts at Civic are federally insured by the National Credit Union Administration up to $250,000 per member account, based on the types and ownership categories of your accounts.

4 APY = Annual Percentage Yield. Minimum opening deposit is $75,000. Civic Select Savings Account required. Fixed-rate account; dividends are compounded monthly and paid monthly into Certificate. May be paid monthly into Civic Select Savings Account, which will reduce the dividend yield. Funds may be used as collateral for lending. Rates for new certificates subject to change daily. 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.