Civista CD Specials

Earn Up to 4.29% APY*

Hold On to What Matters. Including Your Money.

Some things in life are worth holding on to—like the people you love, the memories you make, and the savings you've worked hard to build. With a Civista Certificate of Deposit, you can grow your money at a guaranteed rate, giving you one less thing to worry about.

Earn Up to 4.29% APY

Secure your savings with a rate that doesn't change, no matter what the market does.

Minimum to open: just $500

CD Rates

Certificates of Deposit	Minimum Opening Balance	Minimum Balance to Obtain APY*	Interest Rate	APY *
3 Month CD Special	$500	$500	4.20%	4.29%
6 Month CD Special	$500	$500	4.07%	4.15%
7 Month CD Special	$500	$500	4.07%	4.15%
12 Month CD Special	$500	$500	3.99%	4.07%
18 Month CD Special	$500	$500	3.79%	3.86%
24 Month CD Special	$500	$500	3.21%	3.26%
36 Month CD Special	$500	$500	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.

Why a Civista CD?

Guaranteed Rate — Your rate is locked in for the term.
No Surprises — Predictable returns, zero guesswork.
Flexible Terms — Choose the timeline that fits your goals.
Community Banking — Personalized support from people who know your name.

Savings You Can Count On. Freedom to Focus on What Matters.

Whether you're planning for a big moment or simply looking for financial peace of mind, a Civista CD helps you stay grounded in your goals—with a return you can count on.

CD Rates

Certificates of Deposit	Minimum Opening Balance	Minimum Balance to Obtain APY*	Interest Rate	APY *
3 Month CD Special	$500	$500	4.20%	4.29%
6 Month CD Special	$500	$500	4.07%	4.15%
7 Month CD Special	$500	$500	4.07%	4.15%
12 Month CD Special	$500	$500	3.99%	4.07%
18 Month CD Special	$500	$500	3.79%	3.86%
24 Month CD Special	$500	$500	3.21%	3.26%
36 Month CD Special	$500	$500	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.

Why a Civista CD?

Guaranteed Rate — Your rate is locked in for the term.
No Surprises — Predictable returns, zero guesswork.
Flexible Terms — Choose the timeline that fits your goals.
Community Banking — Personalized support from people who know your name.

Savings You Can Count On. Freedom to Focus on What Matters.

Whether you're planning for a big moment or simply looking for financial peace of mind, a Civista CD helps you stay grounded in your goals—with a return you can count on.

Ready to Get Started?

Visit your nearest Civista Bank location today and let's secure your savings—so you can focus on the moments that matter most.

Find a Branch

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Our Locations

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Growing Your Savings

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 5/16/2025. 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 deposit to open and earn the APY is $500. Offer is subject to change or discontinuation at any time.

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