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Choice Certificates

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Choice Certificates

Grow steady on your terms

Civic FCU helps you maximize savings your way with certificates


Enjoy higher dividends than standard savings accounts.


Choose terms that match your financial goals.


Lock in a great rate and reinvest earnings to save more.

Start boosting your savings

Certificates are great for saving money when you don’t need it right away. Opening a Choice Certificate, sometimes called a certificate of deposit or CD, is simple. Chose any time frame between 6 to 60 months. Then make a one-time deposit to lock in the rate. 

If you’re looking around for the best CD rates, see what our certificates can do for you. 

Now, relax and watch your savings grow.

Choice Certificate Statement

Choose for yourself

  • $250 minimum opening as a one-time deposit
  • Terms from 6 to 60 months
  • Rates and yields based on time period1
  • Early withdrawal penalties apply1
  • 7-day grace period between certificate renewals
Choice Certificate Terms

Plan your savings

  • Dividends compound monthly
  • Reinvest your earnings or take a monthly dividend payout
  • Auto renew for same certificate term, or
  • Move funds to another account at term’s end
Choice Certificate Features

Get fixed flexibility

  • Rates are fixed for the term selected
  • Can use certificate as collateral for Civic loans
  • Fully insured by NCUA
Choice Certificate Benefits

Need flexibility? With our Money Market Account, you get competitive rates and access to your savings any time you need it.

Money Market features

  • $500 minimum deposit
  • Higher rates than our Select Savings Account
  • No early withdrawal penalties
learn more


Choice Certificates

Choice Certificate 6 4.25% 4.33% 6-11 months $250
Choice Certificate 18 4.75% 4.85% 12-18 months $250
Choice Certificate 24 4.00% 4.07% 19-24 months $250
Choice Certificate 36 4.00% 4.07% 25-36 months $250
Choice Certificate 48 4.20% 4.28% 37-48 months $250
Choice Certificate 60 4.50% 4.59% 49-60 months $250
Rates and terms vary based on Certificate chosen.  |  APY = Annual Percentage Yield  |  Effective Date: 02/12/2024

Choice Certificates comparison

If you’re shopping around for the best yields on certificates, let us help! Check out this comparison with other North Carolina credit unions, then make your move toward better savings.

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Civic FCU

6 months4.33% APY1
12 months4.85% APY1
18 months4.85% APY1
24 months4.07% APY1
Local Government Federal Credit Union


6 months4.75% APY
12 months5.15% APY
18 months5.25% APY
24 months4.80% APY
learn more
State Employees Credit Union


6 months4.50% APY
12 months5.10% APY
18 months4.75% APY
24 months4.30% APY
You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

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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. Dividend 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.