Certificates of Deposit (CDs)

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 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.

 Civic Bank & Trust Certificates of Deposit (CDs)

Term Rate APY
Regular CD ($5,000 minimum)
92 days – 6 months  .45%  .45%
1 Year  .65%  .65%
2 Year  .85% .85%
3 Year  .95%  .95%
4 Year  1.10% 1.10%
Jumbo CD ($100,000 minimum)
92 days – 6 months  .50%  .50%
1 Year  .70%  .70%
2 Year  .90%  .90%
3 Year 1.05% 1.05%
  • 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 April 30, 2014.
  • Fees could reduce the earnings on the accounts.
  • A substantial penalty may be imposed for early withdrawal of certificates of deposit.