Civista Insights

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5 Tips for Avoiding Holiday Scams as You Shop

It’s easy to get caught up in the season of giving. Scammers know that people are looking for deals and will do anything they can to take advantage of shoppers. Check out these five tips for avoiding holiday scams this year as you shop and have a happy, stress-free holiday season.

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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.

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Holiday Shopping Guide

Don't let the holidays stress you out. Here are some tips for your holiday spending and travels.

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Holiday Gift Ideas

The holiday shopping season is here, with many retailers rolling out their holiday deals and discounts before Thanksgiving. Here are some ideas to help you find the perfect gift for everyone this season.

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Strategies for a High Inflation Economy

Any American who has gone to the grocery store or purchased gas has probably noticed an increase in prices since the start of the COVID-19 pandemic. The Consumer Price Index, which measures inflation as the average change in prices for goods and services over time, noted a 6.4% increase in all items between January 2022 and January 2023. Some prices have seen a particularly large increase; food costs are up 10.1% and energy costs are up 8.7%.

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Understanding Health Savings Accounts

Health Savings Accounts (HSAs) can be a powerful financial tool. Before deciding whether to open an HSA, it is important to understand their eligibility requirements, benefits, risks, and uses.

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10 Little Changes That Will Make a Big Difference for Your Holiday Shopping

The holidays are a time for family, friends, and spending. Here are some little changes that will make a big difference during the holidays.

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Phishing and Smishing Prevention Tips

Phishing and smishing are two of the most common cybersecurity attacks used by cybercriminals. Learn how to protect yourself from these cybersecurity attacks.

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New Retirement Savings Rules for 2023

The $1.7 trillion spending bill that passed in December 2022 contains some significant rule changes to retirement accounts. These rule changes include not only changes to retirement accounts themselves but also to Social Security benefits and 529 plans.

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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.

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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.