A family of four hiking the Carolina trails, confident that their Civic Savings Account is growing while they enjoy life.

Savings Overview

Match your personal needs with high-yield savings account options to save, earn and grow your money with our best savings rates.

Earn

Select your terms for our best savings rates

Save

Set goals with high-yield savings

Access

Find savings accounts with flexibility, no penalties

Save on your terms, accelerate your goals

Where you put your money matters. Saving, earning, and growing your money are essential to your financial success. Savings accounts have come a long way. Get flexible access to your money and high-yield savings rates. Designed to work together, Civic savings accounts use our best savings rates to help you establish a savings routine for your near-term goals and your future spending needs.

Match your personal needs with our savings accounts. Your future self will thank you.

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Select Savings Account

The Select Savings Account helps you set savings goals.

Savings account earns deposit dividends of 0.90%
Use budget tools to set and meet savings goals
Withdraw money whenever, no fees
Use as overdraft protection for a Civic Bonus Checking Account

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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

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A woman sits on the floor with her dog by her side, checking the growth of her Civic Choice Certificate account on her phone.

Choice Certificates

Choice Certificates help you save more in stable and predictable ways.

$250 minimum opening as a one-time deposit
Our best deposit rates and yields based on time period
6- to 60-month terms for predictable growth
Reinvest dividends or take monthly payouts

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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

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Open a high-yield savings account to save, earn and grow on your terms

Set a savings routine with flexible access to your money and high-yield savings rates. Civic savings accounts help you reach your near-term goals and plan for your future.

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Life is digital

So are these everyday financial tools.

Graphic of a credit score meter to track progress.

Get up-close and personal with your credit score

Civic Credit Union app graphic that displays the budgeting tool available to you as a member.

See your big picture with Civic and non-Civic accounts in one place

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

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

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

Here are a few FAQs

Can I open multiple types of accounts?

Yes. You can open as many types of savings accounts as you need to reach your savings goal. If you want to talk more specifically about options, please don’t hesitate to reach out to the Experience Center. They are available for you 24/7, including holidays.

What is NCUA deposit insurance?

The National Credit Union Administration, commonly referred to as NCUA, is an independent agency of the United States government that regulates, charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF). Backed by the full faith and credit of the U.S. government, the NCUSIF insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,000 standard share insurance account became permanent through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

How can I access my savings?

If you have a Select Savings Account but not a checking account, you can request an ATM card that allows you access to your funds. Just contact the Experience Center 24/7 at 844-772-4842 to request your ATM card.

How do I set up direct deposit?

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (053185723).

Many employers and government entities that provide direct deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the paying entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form.

Civic Direct Deposit Authorization Form

View All FAQs

1 Dividend rate applies to accounts with minimum opening deposit of $25 and minimum account balance of $1. Dividends are compounded daily and paid monthly. Funds may be used as collateral for lending. A $1 fee is charged each month the account balance drops below $25.

2 Overdraft Transfer Service is available from Checking, Savings or Money Market accounts with no minimum increments or transfer fees. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits.

3 APY = Annual Percentage Yield. Minimum opening balance is $250. APY of 2.01% is paid on balances of $250 or above. Dividends are compounded daily and paid monthly when balance requirement is equal to or greater than