Interest Rates

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.

 

Term Rate APY
Regular CD ($5,000 minimum)    
92 days - 6 months  .50%  .50%
1 Year  .75%  .75%
2 Year  1.00%  1.00%
3 Year  1.20%  1.20%
4 Year  1.60%  1.60%
Jumbo CD ($100,000 minimum)    
92 days - 6 months .55%  .55%
1 Year  .80%  .80%
2 Year 1.05% 1.05%
3 Year 1.25% 1.25%
  • 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 January 9, 2012.
  • 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 .30% .30%
$25,000 - $49,999 .40% .40%
$50,000 - $99,999 .55% .55%
OVER $100,000 .85% .85%
     
Civic Elite Checking**    
$0 - $30,000 2.96% 3.00%
OVER $30,000.01  .50% .50% 
     
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 2.00% 2.00%
     


  • *APY = Annual Percentage Yield.
  • APY's are accurate as of January 9, 2012.
  • **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 .75% .75%
$250,000 - $499,999 1.00% 1.00%
$500,000 - OVER 1.25% 1.26%
     
Statement Savings**  .50% .50% 
  • *APY = Annual Percentage Yield.
  • APY's are accurate as of January 9, 2012.
  • **Rates may change after the account is opened.
  • Fees could reduce the earnings on the accounts.

© 2007 - 2012 Civic Bank & Trust / Civic Bancorp | all rights reserved | design & development by centresource interactive