Interest Rates

All rates are subject to change and are accurate as of August 13, 2015.

For current rates please call a bank representative at 615.515.8000

Rates may change after the account is opened on Checking and Savings products.

Civic Elite Personal Checking

Balance Rate APY
$0 – $30,000 1.49% 1.50%*
Over $30,000 0.50%  0.50%
*Requirements for Premium Rate found here

Civic 50+ Interest Checking

Balance Rate APY
$100 – $999 0.10% 0.10%
$1,000 – $2,499 0.15% 0.15%
$2,500 – $4,999 0.20% 0.20%
OVER $5,000 0.25% 0.25%

Civic Wow Account

Balance Rate APY
$0 – $999 0.10% 0.10%
$1,000 – $4,999 0.15% 0.15%
$5,000 – $24,999 0.20% 0.20%
$25,000 – $49,999 0.25% 0.25%
$50,000 – $99,999 0.35% 0.35%
OVER $100,000 0.45% 0.45%

Savings Accounts

*Rates may change after the account is opened.

Civic Statement Savings

Rate APY
0.20% 0.20%

Civic Christmas Club

*$7,500 Maximum Deposit

Rate APY
1.75% 1.75%

Civic Premier Money Market

Balance Rate APY
$0 – $2,499 0.00% 0.00%
$2,500 – $9,999 0.20% 0.20%
$10,000 – $24,999 0.25% 0.25%
$25,000 – $49,999 0.30% 0.30%
$50,000 – $99,999 0.35% 0.35%
OVER $100,000 0.40% 0.40%

Civic Business Money Market

Balance Rate APY
$5,000 – $24,999 0.20% 0.20%
$25,000 – $99,999 0.30% 0.30%
$100,000 – $249,999 0.40% 0.40%
$250,000 – $499,999 0.50% 0.50%
$500,000 – OVER 0.60% 0.60%
SPECIAL (1ST – 3 Mos) N/A N/A

Certificates of Deposit

Regular Certificates of Deposit

Term Rate APY
92 Days-6 Months 0.30% 0.30%
1 Year 0.50% 0.50%
15 Months – Limited Time Promotional CD – Minimum Opening Deposit $5,000 – one time penalty free withdrawal during the term.  1.00% 1.00%
18 Months 0.60% 0.60%
2 years 0.75% 0.75%
3 Years 1.00% 1.00%
4 Years 1.10% 1.00%

Jumbo Certificates of Deposit – $100,000 Minimum

Term Rate APY
92 Days-6 Months 0.40% 0.40%
1 Year 0.60% 0.60%
15 Months – Limited Time Promotional CD – Minimum Opening Deposit $100,000 – one time penalty free withdrawal during the term.  1.00% 1.00%
18 Months 0.70% 0.70%
2 Years 0.85% 0.85%
3 Years 1.10% 1.10%
4 Years 1.20% 1.20%

 *Add to your CD anytime in multiples of $1,000 and keep the same rate and the same term.

Fees could reduce the earnings on the accounts.
A penalty may be imposed for early withdrawal of certificates of deposit.