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Civista Insights

Featured Blog Posts

Summer travel Hacks

Discover essential summer travel hacks for keeping your money secure. Safeguard your finances with digital banking, security alerts, and smart strategies.
 

Civista Debit Mastercard® and Digital Wallet

Simplify payments and enhance security with Civista Debit Mastercard and digital wallets. Shop confidently with our secure and convenient mobile payments.


Our Top 5 Favorite Ways to Use Your HELOC

Discover our top 5 favorite ways to leverage your HELOC for financial flexibility and achieve your goals. Unlock the power of your home equity today!


Summer Energy Efficient Home Improvement Tips

Save energy and stay cool this summer with our top tips for energy-efficient home improvements. Beat the heat while lowering your utility bills.


Planning For Your Next Home Improvement Project

Plan your next home improvement project with confidence! Get expert advice, budgeting tips, and inspiration for transforming your space. Start planning today!


Summer Savings Tips

Make the most of your summer savings with our expert tips and tricks. Discover smart strategies to save money while enjoying the sunny season.
 
 

Civista's Summer Adventures Spending Guide

Get ready for summer with Civista's summer spending tips. 

Fun in the Sun Without Breaking the Bank

Enjoy a fun-filled summer without breaking the bank! Discover budget-friendly strategies for travel, activities, and smart spending. 
 

The advantage of Digital and Self-Service Banking

Discover the advantages of digital banking with Civista Bank: secure 24/7 account access, contactless payments, transfers, bill pay, mobile deposit, and more.

Why Help Your Teen Start Building Their Credit Now

Why is it important to help your teen start building credit now? Gain valuable insights and learn practical tips to set your teen on the path to a solid credit foundation.
 

A Guide to Getting Started with Your Summer Job

Make the most of your summer job! Discover smart strategies to maximize your earnings, save for your goals, and gain valuable financial skills. Start building your financial future.
 

Teaching Your Children the value of Money

Nurture your children's financial literacy! Discover effective strategies and engaging activities to instill the value of money and cultivate smart financial habits in your kids. Begin their financial education journey now!
 

Summer Staycation

Enjoy the perfect summer staycation! Discover budget-friendly ideas and tips to create a memorable vacation experience without leaving home. Relax, recharge, and make the most of your summer.





























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 (8.50% Annual Percentage Rate (APR) as of 7/27/23). 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 7/27/23) 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 3.25% 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.

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