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Young family depositing money into their Civista Ohio Homebuyer Plus savings account.Young family depositing money into their Civista Ohio Homebuyer Plus savings account.

Ohio Homebuyer Plus Savings

A Savings Plan for Ohioans


Ohio Homebuyer Plus Program - Civista Bank is offering a 6.7% APY and up to $500 opening deposit match.



Civista Bank, in conjunction with the Ohio Treasurer’s office, is pleased to offer the Ohio Homebuyer Plus savings plan, helping Ohioans grow their savings faster for future home purchases. 

Ohio residents saving to purchase their first home, upsize or even downsize their home may all benefit from the Ohio Homebuyer Plus program.



Ohio Homebuyer Plus logo



What is Ohio Homebuyer Plus?

Ohio Homebuyer Plus offers specialized, tax-advantaged savings accounts for Ohioans to use on their homebuying journey. Individuals who open an account will have access to above-market interest rates and may also qualify for certain Ohio state income tax deductions3.

Who is Eligible?

Participants must:

Civista Arrow  Be an Ohio resident at least 18 years of age

Civista Arrow  Have a primary residence located in Ohio

Civista Arrow  Use account funds toward the down payment or closing costs of a primary residence in Ohio

Civista Arrow  Review the Ohio Homebuyer Plus Participation Statement prior to opening the account

Civista's Ohio Homebuyer Plus Savings Account Features


Civista Arrow  $100 minimum opening deposit and minimum daily balance

Civista Arrow  $100,000 maximum balance

Civista Arrow  Earn premium savings rate - 6.70% APY1

Civista Arrow  Grow savings with additional contributions and interest for up to 5 years. Account balance must be used within 5 years of account opening toward qualified home purchase

Civista Arrow  Make additional deposits and monitor account easily with Civista Digital Banking

Civista Arrow  eStatement standard; paper statement may be substituted at no extra charge



More Ways to Grow Your Savings Faster


Civista Arrow  Civista will match your opening deposit up to $500.00. Deposit will be credited to your account within 120 days of account opening2.

Civista Arrow  As an added savings boost, parents, grandparents and other eligible third parties looking to help contribute to an Ohio Homebuyer Plus account may be eligible to take the State of Ohio income tax deduction. Be sure to consult your tax professional for more information3.




























Account Tools to Build Balances & Watch Your Savings Grow

Have Questions? We Have Answers.

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1APY (Annual Percentage Yield) accurate as of 5/6/2024 and applies to balances of $100.00 -$100,000.00. This is a variable rate account and rate is subject to change at any time. Account must be used within 5 years, maintain a minimum balance of at least $100, and cannot exceed a maximum balance of $100,000. Program may be discontinued at any time.

2Account must be open a minimum of 90 days to qualify for opening deposit match up to $500.00. Match will be deposited into the Ohio Homebuyer account within 120 days of account opening. Limit one bonus per social security number. Bonus payout may be taxable as interest income and reported on IRS Form 1099-INT. Civista Bank reserves the right to change this offer at any time.

3Consult your tax advisor.

View more details on the Homebuyer Plus page of the Ohio Treasurer website.