Interest Rates

All rates are subject to change and are accurate as of January 8, 2018. 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 1.39% 1.40%*
Over $30,000 0.30%  0.30%
*Requirements for Premium Rate found here

Civic 50+ Interest Checking

Balance Rate APY
$100 – $999 0.15% 0.15%
$1,000 – $2,499 0.20% 0.20%
$2,500 – $4,999 0.25% 0.25%
OVER $5,000 0.30% 0.30%

Civic Wow Account

Balance Rate APY
$0 – $999 0.15% 0.15%
$1,000 – $4,999 0.20% 0.20%
$5,000 – $24,999 0.25% 0.25%
$25,000 – $49,999 0.30% 0.30%
$50,000 – $99,999 0.40% 0.40%
OVER $100,000 0.50% 0.50%

Savings Accounts

*Rates may change after the account is opened.

Civic Statement Savings

Rate APY
0.20% 0.25%

Civic Christmas Club

*$15,000 Maximum Deposit

Rate APY
1.30% 1.30%

Civic Premier Money Market

Balance Rate APY
$0 – $2,499 0.00% 0.00%
$2,500 – $9,999 0.40% 0.40%
$10,000 – $24,999 0.60% 0.60%
$25,000 – $49,999 0.70% 0.70%
$50,000 – $99,999 0.75% 0.75%
OVER $100,000 0.85% 0.85%

Civic Business Money Market

Balance Rate APY
$5,000 – $24,999 0.30% 0.30%
$25,000 – $99,999 0.35% 0.35%
$100,000 – $249,999 0.55% 0.55%
$250,000 – $499,999 0.65% 0.65%
$500,000 – OVER 0.75% 0.75%
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 – CD Special Rate (No withdrawal option) 1.55% 1.55%
30 Months – CD Special Rate- Minimum Opening Deposit $5,000 (No withdrawal option) 1.88% 1.90%
15 Months – CD Special Rate (No withdrawal option) 1.59% 1.60%
18 Months 0.90% 0.90%
 36 Months CD Special Rate (No withdrawal option)  2.00%  2.00%
2 years 1.00% 1.00%
3 Years 1.25% 1.25%
4 Years 1.50% 1.50%

Jumbo Certificates of Deposit – $100,000 Minimum

Term Rate APY
92 Days-6 Months 0.40% 0.40%
1 Year – CD Special Rate (No withdrawal option) 1.55% 1.55%
30 Months – CD Special Rate – Minimum Opening Deposit $100,000 (No withdrawal option)  1.88% 1.90%
18 Months 1.09% 1.10%
2 Years 1.40% 1.40%
3 Years 1.60% 1.60%
4 Years 2.00% 2.00%

 *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.