Choice Certificates

Boost your savings on your terms. Choice Certificates give you a fixed, high-yield interest rate for predictable growth.

open today

disclaimer

A mother marks her son's height on the wall, tracking his growth—just like the Civic Choice Certificate helps track your financial progress.

Save

Lock in high dividend rates¹

Earn

Reinvest your dividends or take monthly dividend payouts

Choose

Terms from 6 to 60 months

Get high interest deposit rates for predictable growth

Choice Certificates help you save with a higher savings rate than a traditional savings or money market account. Banks call them certificates of deposit or CDs. To us, they are Choice Certificates because the stable growth is based on your choices.

The high certificate rate is based on the time period you select, between 6 and 60 months to boost your savings (and not use the money). Then, make a one-time deposit to lock in the rate and watch your money grow! Reinvest your dividends, or take monthly dividend payouts.

A woman sits at her dining room table, calculating how much her Civic Choice Certificate will grow over its term.

Terms

Choose for yourself

$250 minimum opening as a one-time deposit¹
Fixed rates, yields based on selected term¹
6- to 60-month terms
Early withdrawal penalty applies¹

Features

Plan your savings

Dividends compound monthly¹
Auto renew for same certificate term or move funds to another account at term’s end
Choose to reinvest dividends or take monthly payouts
Use as collateral for a Civic loan¹

Open a Choice Certificate!

Lock in a high interest rate for 6 to 60 months and boost your savings

open today

Choice Certificate rates

0	Choice Certificate	Dividend rate	APY	Term	Min. deposit to open
1	Choice Certificate 6	4.27%	4.35%	6-11 months	$250
2	Choice Certificate 18	5.36%	5.50%	12-18 months	$250
3	Choice Certificate 24	4.27%	4.35%	19-24 months	$250
4	Choice Certificate 36	4.12%	4.19%	25-36 months	$250
5	Choice Certificate 48	4.17%	4.25%	37-48 months	$250
6	Choice Certificate 60	4.22%	4.30%	49-60 months	$250

Rates and terms vary based on Certificate chosen. | APY = Annual Percentage Yield | Effective Date: 04/28/2025

Life is digital

So are these everyday financial tools

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

Pay bills from anywhere or schedule them in the app

Send and receive money - fast, safe and easy

A Civic member reaching their financial goals with our helpful budgeting tool.

Make informed decisions from your spending data, credit score and goals

Steady Save Savings Account

Save at your own pace for any goal! Automate your savings for that vacation, a new vehicle or more!

Automatic savings using your small, affordable steps
Select how much and how often to save
Choose an annual date for funds to distribute to your Select Savings Account
Dividends compound daily, paid monthly

learn more

Woman checking her Money Market dividends on the Civic Credit Union mobile app.

Money Market Account

This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.

Open a money market account with $250
Earn 2.08%when you maintain $250 balance or more
Access direct deposits up to 3 days early
Money Market Account can be used as overdraft transfer option

learn more

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

Here are a few FAQs

What is the early withdrawal penalty?

The early withdrawal penalty for Civic Choice Certificates uses dividend funds and is calculated based on the term of your account. Here is how we calculate early withdrawal penalties:

Terms of 6 to 11 months = 90 days dividends or all dividends earned, whichever is less
Terms of 12 to 60 months = 180 days dividends or all dividends earned, whichever is less

The early penalty withdrawal applies to all Civic Choice Certificates.

Are there any exceptions to the penalty?

Civic Choice Certificates have customizable terms that provide you with flexible planning. Our team recognizes that extenuating circumstances do happen. If you are a member with an account and need to communicate a circumstance to us, please contact the Experience Center for more information.

What's the difference between a Choice Certificate and a CD?

There's just one basic difference: Credit unions and banks call the same product different names. Share Term Certificates (like our Choice Certificate) are how credit unions say it. Certificates of Deposit, or CDs, are what banks say.

Are dividends the same as interest?

Credit unions refer to the money earned by deposit accounts as dividends. Other financial institutions commonly call this money interest. The IRS views dividends the same as interest.

How can I put money into a Choice Certificate?

If you’re opening your account with up to $1,000, it’s easiest to fund it by using your debit card. You can also electronically transfer funds from another online account securely, and authenticated within a few business days. . Or use mobile check deposit in the Civic app to fund your account. (You can even mail a paper check to Civic.)

View All FAQs

Boost your savings with a high rate Choice Certificate

Lock in a high rate to save more than a traditional savings account can offer. Find the best deposit rates for predictable growth.

open today

1 APY = Annual Percentage Yield. Minimum opening deposit is $250. Civic Choice Certificates are fixed-rate accounts. Dividends are compounded monthly, paid monthly and may be disbursed at maturity or rolled back into the certificate account. Funds may be used as collateral for lending. Applicable fees could reduce balance on account. Rates for new Civic Choice Certificates are subject to change daily at the discretion of the Board of Directors. Within the first 90 days of opening your Civic Choice Certificate, Civic has the ability to restrict or prohibit withdrawals from your account, except as required by law. Penalty will be imposed for early withdrawal.