Certificates of Deposit (CDs)

CD Online Account Setup

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

Certificates of Deposit are available in terms from 92 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.