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Civista Insights

Featured Blog Posts


Summer Savings

Saving

Summer is a time for fun in the sun, but it can also be a time when your bank account takes a hit. We have a variety of money-saving tips so that you can still enjoy yourself this summer without breaking the bank.

Couple growing their savings. Learning more about Civista CDs and CD savings strategies.

Growing Your Savings

Saving

Explore how Certificates of Deposit (CDs) can help you grow your savings.

 
Student looking at their Civista Debit Mastercard to make an online purchase on their phone.

Using Your Debit Card Wisely

Spending

Master key financial skills with a debit card. Learn spending, budgeting, and ATM safety to build a strong financial future.



Fun in the Sun without Breaking the Bank

Spending

Discover budget-friendly strategies for travel, activities, and smart spending.


Summer Adventures Spending Guide

Spending

Civista Bank's Summer Guide offers tips for secure, convenient spending on the go.




Civista Debit Mastercard and Digital Wallet

Spending

Simplify payments and enhance security with Civista Debit Mastercard and digital wallets.





























Civista Insights Blog

We strive to provide useful and accessible information that will help you gain a better understanding of financial topics and make smart decisions for your future. With our blog page, you can stay up-to-date on the latest news in finance, get tips and strategies to increase your financial literacy, and learn how to make informed decisions for your financial success.
We’re here to help!
 

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Home Equity Line of Credit (HELOC) lowest rate is Prime (7.50% Annual Percentage Rate (APR) as of 12/19/24). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close your line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 12/19/24) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.75% and maximum APR is 25.00% OH and 18% IN. Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio. Property insurance required and flood insurance may be required. Consult your tax advisor regarding the tax deductibility of interest. Important Consideration when managing Interest-Only Payments: the interest rate on a home equity line of credit is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 15-year draw period of your home equity line of credit. At maturity, any remaining account balance outstanding will be due in a single balloon payment. At that time, the bank may, but is not obligated to, refinance the line of credit. Subject to credit and property approval.
 
Loan details are as of December 2024 and may be subject to change.

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