Dividend Rates Information
1 APY: Annual Percentage Yield

Minimum opening deposit is $250. Civic Choice certificates are fixed-rate accounts.. Dividends are compounded monthly and paid monthly. Dividends may be disbursed at maturity or rolled back into the certificate account. Funds may be used as collateral for a Civic loan. Dividend rates are subject to change daily at the discretion of the Board of Directors.

Dividend rates on shares have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. 

1 APR: Annual Percentage Rate

Rates and credit limit are evaluated based on member’s credit history; rates are subject to change without notice. 

1 APR = Annual Percentage Rate.

Rates and credit limit are evaluated based on member’s credit history. 

1 APR = Annual Percentage Rate.

Rates are evaluated based on member's credit history. Rates are subject to change without notice. 

1 APR = Annual Percentage Rate. Subject to approval. The minimum APR for a Traditional or Interest-Only Civic Federal Credit Union Home Equity Line of Credit (HELOC) is variable during the draw period and is 7.75% or the Prime Rate as published in the Wall Street Journal, ten days before the end of the prior month (called the "Index"), plus a margin. The margin for Interest-Only HELOC starts at 1% APR. Your margin will be determined by several factors including but not limited to your credit qualifications, combined loan-to-value and loan amount. The maximum APR for a HELOC is 18%. Rates are subject to change daily. Civic membership must be established prior to scheduled closing. No purchase money seconds. Adequate property and flood insurance are required for the life of the loan. The minimum loan amount for a HELOC is $5,000. If your loan requires an appraisal, title insurance, or attorney fees, they must be paid at the borrower’s expense. Fees range from $700 to $4,000.

Rates are evaluated based on member's credit history. Rates are subject to change without notice. All applicants must meet underwriting criteria. Loan or line amount may be up to 90% less the amount owed on outstanding mortgages, if any. 

1 APY: Annual Percentage Yield
2 Dividend rate applies to accounts with minimum account balance of $1. Dividends are compounded daily and paid monthly.
3 Minimum opening balance is $500. Annual Percentage Yield of 2.76% is paid on balances of $500 or above. For balances that fall below the minimum balance requirement, the APY is 0.00%. Dividends are compounded daily and paid monthly. Funds may be used as overdraft coverage for Civic Business Checking Accounts. Dividend rates subject to change at the discretion of the Board of Directors. See our Truth-in-Savings Disclosure for more information at civicfcu.org/disclosures.
4 APY = Annual Percentage Yield. Minimum opening balance is $500. APY of 3.01% is paid on balances of $500 or above. Dividends are compounded daily and paid monthly when balance requirement is equal to or greater than $500. Dividend rates are subject to change at any time. Membership required.

1 APY: Annual Percentage Yield

Dividend Rates Information
1 APY = Annual Percentage Yield.
2 Minimum opening deposit is $500. Civic 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 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.