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Select Savings Account

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Select Savings Account

Step into your future

Civic FCU helps you make plans to stay on track


Achieve your goals with digital savings tools


Options for setting up automatic deposits


Earn dividends on your deposits

Planning creates opportunities for you

It’s more than a savings account. It’s a savings engine. The Select Savings Account helps you save - and to pivot. We have budget tools to help you plan for your goals, and to help you adjust when an unexpected situation comes up.

With no restrictions, this account gives you full access to your money anytime, with no penalties. The Select Savings Account makes it easy to take the first step toward your saving goals.

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Earn competitive dividend rates

  • Funds are insured up to NCUA maximums
  • Minimum opening deposit requirement is just $11
  • All dividends are compounded daily and paid monthly
  • Earn deposit dividends of 0.90%2
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Save flexibly, spend wisely

  • Use budget tools to set and meet goals
  • Withdraw money whenever you need with no fees
  • Use as overdraft protection3 for a Civic Bonus Checking account
  • Setup eStatements4 to receive electronic copies of statements and other documents
Financial Wellness Spending

Take small steps toward your future

  • Open this account to establish Civic membership 
  • Get a loan using funds in this account as security 
  • Choose to automate savings to plan for future expenses
Family on the sofa

Earn more dividends with your debit card purchases when you open a Bonus Checking Account.

Bonus Checking

We pay up when you purchase

  • 0.50% dividends
  • Pay just a $1 monthly maintenance fee
  • Use ATMs worldwide, with fees reimbursed
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You know that details matter. [And you are in good company.]

Here are a few frequently asked questions:

View All FAQs

1 Minimum opening requirement is $1 for the first Civic Select Savings account. For all additional Select Savings accounts added, the minimum opening deposit is $20.

2 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. 

3 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.

4 Civic provides eStatements at no cost to account holders. Paper statements are available for a fee of $5 per month.