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Civista CD Specials

A Better Way to Save Starts Here

A Civista Certificate of Deposit combines competitive rates with the localized support of a community bank.
Earn up to 4.29% APY* and enjoy flexible terms that allow you to save strategically.

Open an account in as little as 5 minutes and start saving better.

Open a CD in Minutes


Family spending time together.We're More Than a Bank

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We're your financial partner, your neighbor, and your community supporter. Banking with Civista means banking with experts who know your goals and know your name.

Since 1884, we've delivered financial solutions with a local touch. While our reach has grown beyond Sandusky, Ohio, to communities across our footprint, our commitment to hometown values remains at the heart of everything we do.

Whether you're speaking with a member of our team on the phone or at your local branch, every interaction with Civista underscores our commitment to lifelong relationships built on trust, expertise, and exceptional service. 

You belong at Civista because banking should be focused on you.

Earn More With a Civista CD

You've done the saving. We'll handle the growing. Civista's fixed-rate CDs work for you now, so you can enjoy your future.

Find the CD That Fits Your Needs

Certificates of Deposit   Interest Rate APY *
3 Month CD Special
Apply for this CD 4.20% 4.29%
6 Month CD Special
Apply for this CD 4.07% 4.15%
7 Month CD Special
Apply for this CD 4.01% 4.09%
12 Month CD Special Apply for this CD 3.76% 3.83%
15 Month CD Special Apply for this CD 3.59% 3.66%
18 Month CD Special Apply for this CD
3.44%
3.50%
24 Month CD Special
Apply for this CD 3.21% 3.26%
36 Month CD Special
Apply for this CD 2.86% 2.90%
* Annual Percentage Yield
Interest Rates and Annual Percentage Yields are accurate as of the date noted at the bottom of the page.
Offers require new money - funds not on deposit at Civista. 
The minimum to open and earn the APY is $500 for CDs opened in branch, and $1,000 for CDs opened online.
 
 
 

Woman shaking hands and smiling with a personal banker.Online Convenience. Personal Connection.

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With Civista, you can enjoy the ease of digital banking with the security of knowing we're just down the road if you need us. Whether you have questions about rates or want to explore other offers, we're committed to understanding your goals and providing you the financial solutions to reach them.



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CD Calculator
 
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Growing Your Savings
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Our Locations
 


Early Withdrawal Penalties

Term Penalty imposed for Early Withdrawal
3 Month CD 1 Month
6 - 12 Month CD 3 Months
13 - 18 Month CD 6 Months
24 - 48 Month CD 12 Months
60 Month CD 24 Months

 

* Annual Percentage Yield (APY) is accurate as of 8/1/2025. APY will be fixed for the term at funding and is only valid for the initial term. The CD will automatically renew for the same term, with the rate based on the closest standard CD term, excluding specials, unless withdrawn at maturity. A penalty may apply for early withdrawal. The minimum to open and earn the APY is $500 for CDs opened in branch, and $1,000 for CDs opened online. Offer is subject to change or discontinuation at any time.