Certificates of Deposit (CDs)

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SPECIAL RISING RATES ON NEW THREE YEAR BUMP CD

1.00% | 1.50% | 2.00% APY

AVERAGE RATE FOR THREE YEARS IS 1.50% 1.00% YR 1, 1.50% YR 2, 2.00% YR 3

Please stop by our West End branch or contact a personal banker to schedule a time to apply. Online account setup not available.

*Offer expires SEPTEMBER 30, 2014 – Rates are current as of August 15, 2104. This offer cannot be combined with any other specials. This offer available for NEWLY opened CD only and cannot be used to change the rate on existing CD’s. Annual Percentage Yield (APY) rules apply. $5000 Minimum deposit required to open CD. Rates subject to change at any time. Fees could reduce the earnings on the account. Substantial Penalty may be imposed for early withdrawal of Certificate of Deposit.

Try our new online account setup for CDs. Click here to begin.

 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.