Interest Rates

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Certificates of Deposit (CD)

Certificates of Deposit are available in terms from 7 days up to 48 months or more. Add to your CD anytime in multiples of $1,000 and keep the same rate and the same term.

24 MONTH CD SPECIAL

TERM RATE APY
Regular CD ($10,000 Minimum)    
24 Months 2.05% 2.05%

  

Term Rate APY
Regular CD ($5,000 minimum)    
7 - 91 days  .65%  .65%
92 days - 6 months  1.00%  1.00%
1 Year  1.40%  1.40%
2 Year  1.50%  1.50%
3 Year  1.60%  1.60%
Jumbo CD ($100,000 minimum)    
7 - 91 days  .75%  .75%
92 days - 6 months  1.15%  1.15%
1 Year  1.55%  1.55%
2 Year  1.65% 1.65%
3 Year  1.70%  1.70%
  • Add to your CD anytime in multiples of $1,000 and keep the same rate and the same term.
  • *APY = Annual Percentage Yield.
  • APY's are accurate as of August 30, 2010
  • Fees could reduce the earnings on the accounts.
  • A substantial penalty may be imposed for early withdrawal of certificates of deposit.

Personal Accounts

Term Rate APY
WOW Checking**    
$0 - $999 .10% .10%
$1,000 - $4,999 .20% .20%
$5,000 - $24,999 .40% .40%
$25,000 - $49,999 .75% .75%
$50,000 - $99,999 1.00% 1.00%
OVER $100,000 1.24% 1.25%
     
Civic Elite Checking**    
$0 - $30,000 3.50% 3.50%
OVER $30,000.01  .75% .75% 
     
50+ Checking**    
$100 - $999 .10% .10%
$1000 - $2,499 .20% .20%
$2,500 - $4,999 .25% .25%
OVER $5,000 .30% .30%
     
Civic Premier Money Market**    
$0 - $2,499 N/A N/A
$2,500 - $9,999 .25% .25%
$10,000 - $24,999 .45% .45%
$25,000 - OVER .60% .60%
     
Savings Account**  .50% .50% 
     
Christmas Club 3.00% 3.00%
     


  • *APY = Annual Percentage Yield.
  • APY's are accurate as of August 30, 2010.
  • **Rates may change after the account is opened.
  • Fees could reduce the earnings on the accounts.

Business Savings Accounts

Term Rate APY
Money Market Savings**    
$5,000 - $24,999 .25% .25%
$25,000 - $99,999 .50% .50%
$100,000 - $249,999 1.00% 1.00%
$250,000 - $499,999 1.24% 1.25%
$500,000 - OVER 1.49% 1.50%
     
Statement Savings**  .50% .50% 
  • *APY = Annual Percentage Yield.
  • APY's are accurate as of August 30, 2010.
  • **Rates may change after the account is opened.
  • Fees could reduce the earnings on the accounts.