Civista Bank - Deposit Rates

Certificates of Deposit

Certificates of Deposit	Minimum Opening Balance	Minimum Balance to Obtain APY*	Interest Rate	APY*
3 Month CD	Minimum Opening Balance	$500	0.50%	0.50%
5 Month CD	$500	$500	0.55%	0.55%
5 Month CD Special**	$500	$500	3.44%	3.50%
6 Month CD	$500	$500	3.68%	3.75%
7 Month CD	$500	$500	0.55%	0.55%
8 Month CD	$500	$500	0.55%	0.55%
8 Month CD Special**	$500	$500	3.68%	3.75%
9 Month CD	$500	$500	0.60%	0.60%
11 Month CD	$500	$500	0.60%	0.60%
11 Month CD Special**	$500	$500	3.68%	3.75%
12 Month CD	$500	$500	3.68%	3.75%
12 Month KidCents CD	$250	$250	0.60%	0.60%
13 Month CD 2	$500	$500	0.60%	0.60%
15 Month CD	$500	$500	0.60%	0.60%
15 Month CD Special**	$500	$500	3.92%	4.00%
18 Month CD	$500	$500	0.60%	0.60%
24 Month CD	$500	$500	0.65%	0.65%
24 Month CD Special**	$500	$500	3.92%	4.00%
30 Month CD	$500	$500	0.70%	0.70%
36 Month CD	$500	$500	0.70%	0.70%
36 Month CD Special**	$500	$500	3.92%	4.00%
42 Month CD	$500	$500	0.75%	0.75%
48 Month CD	$500	$500	0.80%	0.80%
60 Month CD	$500	$500	0.85%	0.85%

*Annual Percentage Yield. Featured 8-month term CD minimum to open and earn APY online is $10,000; minimum to open and earn APY for other terms online is $1,000; CD minimum to open and earn in branch is $500. Offer is subject to change or discontinuation at any time.
** Offers require new money - funds not on deposit at Civista.
¹Add-on minimum $25
²Add-on minimum $50
Interest Rates and Annual Percentage Yields are accurate as of the date noted above.

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

IRAs

Individual Retirement Accounts (IRAs)	Minimum Opening Deposit	Interest Rate	APY*
13 Month Fixed	$500	0.60%	0.60%
13 Month Special	$500	3.26%	3.31%
18 Month Variable	$100	0.65%	0.65%
18 Month Fixed	$500	0.60%	0.60%
18 Month Special	$500	3.05%	3.10%
30 Month Fixed	$500	0.70%	0.70%

Minimum $25 add-on to all IRA Accounts
*Annual Percentage Yield
Interest Rates and Annual Percentage Yields are accurate as of the date noted above.
Fees could reduce earnings on the account.

Vision Checking

Vision Checking*	Interest Rate	APY**
$0.01 - $2,499.99	0.01%	0.01%
$2,500.00 - $49,999.99	0.01%	0.01%
$50,000.00 - $99,999.99	0.03%	0.03%
$100,000.00 and above	0.03%	0.03%

Money Market Investment Account

Money Market Investment Account (MMIA)*	Minimum Opening Deposit	Minimum Balance to Obtain APY**	Interest Rate	APY**
$2,500 - $49,999.99	$2,500	$2,500	0.12%	0.12%
$50,000 - $99,999.99	$2,500	$50,000	0.21%	0.21%
$100,000 and above	$2,500	$100,000	0.50%	0.50%

Index Money Market Account

Index Money Market Investment Account (MMIA)*	Minimum Opening Deposit	Minimum Balance to Obtain APY**	Rate Index1
$0 - $29,999.99	$25,000	$0.01	5% of Index
$25,000 - $49,999.99	$25,000	$25,000	40% of Index
$50,000 - $99,999.99	$25,000	$50,000	50% of Index
$25,000	$100,000	75% of Index
$250,000 and above	$25,000	$250,000	50% of Index

* Rate and Annual Percentage Yield (APY) may change after the account is opened
** Annual Percentage Yield
¹Rates are indexed to the 30 day average of the Secured Overnight Funding Rate (SOFR) as posted daily on the New York Fed’s website: https://newyorkfed.org/markets/reference-rates/sofr) and will be updated monthly on the first of the month.
Interest Rates and Annual Percentage Yields are accurate as of the date noted above.
Fees could reduce earnings on the account.

HSA

Health Savings Account*	Interest Rate	APY**
$0.01 - $999.99	0.01%	0.01%
$1,000.00 - $4,999.99	0.03%	0.03%
$5,000.00 and above	0.05%	0.05%

*Rate and Annual Percentage Yield (APY) may change after the account is opened
**Annual Percentage Yield
Interest Rates and Annual Percentage Yields are accurate as of the date noted above.
Fees could reduce earnings on the account.

Deposit Rates

Deposit Rate Tables

Certificates of Deposit & IRAs