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US-FDIC-Logo 1-4 FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Pick your term,
Reach your goal.

Earn Up To 4.00% APY*

Your savings shouldn't sit idle — and you shouldn't feel locked into the wrong CD. Choose the term that fits what you're saving for, with a local banker to help you decide.

Open a CD
Pick your term, Reach your goal. Earn Up To 4.00% APY*
START WITH YOUR GOAL

Which term fits what you're saving for?

Tell us roughly when you'll want the money — we'll point you to a term. You're always the one who chooses.

Something soon

A few months away — a trip, a tax bill, a purchase.

 
5-8 months
3.50% - 3.75% APY*
 
Pick this

About a year out

Building a cushion or a planned buy next year.

 
11-12 months
3.75% APY*
 
Pick this

One to three years

A bigger plan you can set and forget.

 
15-36 months
4.00% APY*
 
Pick this

WHY PICK A CIVISTA CD

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WHY PICK A CIVISTA CD
1

You Choose

A real menu of terms from 5-36 months. Match the term to your goal instead of settling for one rate.
2

Safe & Fixed

Lock your rate for the full term, FDIC-insured. No market guesswork — you know exactly what you'll earn. 
Your financial wellbeing is at the center of everything we do.
3

A Local Guide

A Civista banker helps you pick the right term — and can show you how to build a CD ladder. 
FREE GUIDE

The Smart Saver's Guide to CDs

New to CDs, or just want to choose with confidence? Our free guide breaks it all down — in plan language.

  • CD basics: APY, terms, and what FDIC-insured really means
  • Why a CD — and when it's the right move
  • How to match the right term to your goal
  • CD strategies, including how laddering works

Get the Guide

SIMPLE FROM HERE

Pick. Open. Grow.

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Pick your term

Choose the term and rate that match your goal.
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Open in minutes

Online or with a local banker.
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Watch it grow

Earn a fixed return, safely, on your timeline.
Open Online
THE FULL MENU

Every term you can pick

Your goal. Your timeline. Your CD.

Put savings that's sitting idle to work — pick the term that fits and open in minutes.

Pick Your Term Get Your Smart Saver's Guide
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