Rates

Rates

Personal Deposit Rates

Savings Accounts

Account Type Rate APY* Min. Deposit To Open
Select Savings Account 0.60% 0.60% $1
Money Market Account 1.10% 1.11% $500
Effective Date: 8/1/2022

APY: Annual Percentage Yield
† Dividend rate applies to accounts with minimum opening deposit of $1 and minimum account balance of $1. Dividends are compounded daily and paid monthly. Funds may be used as collateral for lending. 
‡ Minimum opening balance is $500. APY of 1.11% 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.

Personal Deposit Rates

Checking Accounts

Account Type Rate APY* Min. Deposit To Open
Bonus Checking Account (Qualified) 1.00% 1.01% $5
Bonus Checking Account (Unqualified) 0.15% 0.15% $5
Effective Date: 3/25/2020

* APY: Annual Percentage Yield
1.01% APY applies to member accounts incurring 20 debit card purchases per month, excluding ATM withdrawals and automatic account drafts. Purchases and/or transactions may take up to two business days from transaction date to post to the account. This bonus dividend rate is paid on balances up to $10,000. Balances in excess of $10,000 will earn dividends at the current available rate. Minimum opening deposit is $5. For members making less than 20 qualified purchases per month, dividend rate is 0.15%.

Personal Deposit Rates

CHOICE Certificates

Account Type Rate APY* Term Min. Deposit To Open
Choice Certificate Rates and terms vary based on Certificate chosen $500
Choice Certificate 18 1.10% 1.11% 12-18 months $500
Choice Certificate 24 1.30% 1.31% 19-24 months $500
Choice Certificate 36 1.55% 1.56% 25-36 months $500
Choice Certificate 48 1.65% 1.66% 37-48 months $500
Choice Certificate 60 1.80% 1.81% 49-60 months $500
Effective Date: 8/1/2022

Dividend Rates Information
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. 

Minimum opening deposit is $500. Share term 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. Rates are subject to change daily at the discretion of the Board of Directors.

APY: Annual Percentage Yield

Personal Loan Rates

Credit Cards

Account Type APR *
Rewards Credit Card As low as 10.25%
Secured Credit Card As low as 10.25%
Classic Credit Card As low as 7.50%
Effective Date: 7/1/2022

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

APR: Annual Percentage Rate

Personal Loan Rates

Personal Loans

Account Type APR *
Personal Loan As low as 6.75%
Personal Line of Credit As low as 8.50%
Effective Date: 8/5/2022

Rates and credit limit are evaluated based on member’s credit history. As lows as rate indicates .50% discount for using auto debit from a Civic deposit account.

APR: Annual Percentage Rate

Personal Loan Rates

Vehicle Loans

Account Type APR *
New Auto As low as 2.99%
Used Auto As low as 2.99%
Effective Date: 8/1/2022

Rates are evaluated based on member's credit history. Rates are subject to change without notice. As low as rate indicates .25% discount for using auto debit from a Civic deposit account. 

*APR = Annual Percentage Rate.

Personal Loan Rates

HELOC

Account Type APR *
Home Equity Line of Credit (Traditional) As low as 5.50%
Home Equity Line of Credit (Interest-only) As low as 6.00%
Effective Date: 8/5/2022

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. 

*APR = Annual Percentage Rate. The APR for a Traditional or Interest-Only Civic Federal Credit Union Home Equity Line of Credit is variable during the draw period and based on 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 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 home equity line of credit is 18%. Rates are subject to change daily. Civic membership must be established prior to scheduled closing.

Business Deposit Rates

Share Accounts

Account Type Rate APY* Min. Deposit To Open
Business Savings Account 0.25% 0.25% $1
Business Money Market Account 0.75% 0.75% $500
Civic Nonprofit Money Market 1.00% 1.01% $500
Effective Date: 8/1/2022

APY: Annual Percentage Yield
† Dividend rate applies to accounts with minimum account balance of $1. Dividends are compounded daily and paid monthly.
‡ Minimum opening balance is $500. Annual Percentage Yield of 0.75% 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.
◊ Minimum opening balance is $500. APY of 1.01% 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.

Business Deposit Rates

Checking Accounts

Account Type Rate APY* Min. Deposit To Open
Business Checking Account 0.15% 0.15% $5
Effective Date: 3/7/2019

APY: Annual Percentage Yield

Business Deposit Rates

Business Choice Certificates

Account Type Rate APY* Term Min. Deposit To Open
Business Choice Certificate Rates and terms vary based on Certificate chosen $500
Business Choice Certificate 18 0.95% 0.95% 12-18 months $500
Business Choice Certificate 24 1.00% 1.00% 19-24 months $500
Business Choice Certificate 36 1.10% 1.11% 25-36 months $500
Business Choice Certificate 48 1.25% 1.26% 37-48 months $500
Business Choice Certificate 60 1.40% 1.41% 49-60 months $500
Effective Date: 8/1/2022

Dividend Rates Information
Dividend rates on choice certificates 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 Choice Certificates. Initial/opening rates are subject to change without notice. 

APY: Annual Percentage Yield
† 
Minimum opening deposit is $500. 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. Rates are subject to change daily at the discretion of the Board of Directors.