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Steady Save Savings Account

Woman checking her Steady Save Savings account on Civic's mobile app
Steady Save Savings

Save at an affordable pace

Build savings with easy, automated deposits


Choose amount and frequency for automatic deposit


Set it and forget it


Select one of two distribution dates to get your lump sum automatically

Save your way

Saving money looks different for all of us. Sometimes you can save a little and sometimes it can be more. It depends on your unique situation. The Steady Save Savings Account helps you set small, steady and affordable steps to save money. You decide how much to save, how often, and choose the date your saved funds are deposited into your Select Savings Account. Set your own savings pace to help save for any goal — a vacation, the holidays, your tax bill or more.

Woman walk at a steady pace on a race track

Earn competitive dividend rates

  • $1 minimum deposit to open
  • Dividends compound daily, are paid monthly1
  • Funds distributed on annual date you choose
  • All transfers go into your Select Savings Account
  • No maintenance fees2
Happy couple at the beach

Save flexibly, spend wisely

  • Choose your payout date at account opening (Last Friday of March or October)
  • Select frequency of automatic deposit
  • Stay mindful of your savings goals with a customized account label
Happy couple sitting on couch.

Take small steps toward your future

Set your own pace 
Take that vacation or save for the holidays! Choose to take affordable, incremental, and automatic steps to save throughout the year. Set your deposit amount and transfer frequency and then forget it. (You got this!)

Commit to saving 
When you write down a dream it becomes a goal, right? The Steady Save Savings Account helps you commit to achieving your goal with restricted access to your funds before your distribution date to help you stay focused and on track. 

Reach your savings goal 
Get a lump sum on your chosen distribution date to use for your savings goal or to help lessen the burden of a budget squeeze.

Woman sitting on couch checking Steady Save Saving account on laptop

Get access to your direct deposits up to 3 days early3 while you earn dividends on your balance. The Bonus Checking Account helps you do more with your money.

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 Dividend rate applies to accounts with minimum opening deposit of $1 and minimum account balance of $1. Dividends are compounded daily and paid monthly.

2 Other fees may apply.

3 Early access to direct deposit funds depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day they are received, which may be up to three days earlier than the payer’s scheduled payment date.