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Savings Options for Every Stage
Whether you’re just starting out on your own financial journey, or are an experienced saver, Civista’s savings options can help you reach your goals.
Civista offers savings options that prioritize accessibility, security, and ease of use. Choose from traditional savings, higher-balance options, or specialty accounts designed for specific needs — all backed by tools that help you stay in control.
Explore the options available below or speak with us to find which account is right for you.
Traditional Accounts
A traditional savings account that combines practicality with accessibility.
- Ideal for new and moderate savers
- No minimum balance requirement during for the first year
- FDIC insured
- Digital and mobile banking services included
A higher-balance savings option that earns interest while keeping your funds accessible.
- Earns interest with check and transfer access
- FDIC insured
- $2,500 minimum opening deposit
A money market option with tiered, market-indexed rates designed for larger balances.
- Tiered interest rates tied to a market index
- FDIC insured
- $25,000 minimum opening deposit
A fixed-term savings option that offers predictable returns over a set timeframe.
- Terms from 5 to 60 months
- Fixed interest rates
- Optional add-on deposits (select terms)
- Early withdrawal penalties apply
A savings account for students and young adults ages 16–24.
- No monthly service charge
- No minimum balance requirement
- Digital and mobile banking access included
Specialty Accounts
A tax-advantaged savings account for qualified medical expenses.
- Free HSA debit card
- Free HSA checks
- Consult a tax advisor regarding eligibility and tax treatment
Tax-advantaged accounts designed for long-term retirement savings.
- Traditional, Roth, and SEP options available
- Interest-bearing savings with defined terms
- Tax treatment varies by account type
- Early withdrawal penalties may apply
*Consult a tax advisor
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A seasonal savings account designed to help you plan for holiday expenses.
- Funds transfer automatically to your chosen account in mid-October
- Early withdrawal penalties may apply
- Automatic contributions available
Civista Mobile Banking
