FDIC-Insured - Backed by the full faith and credit of the U.S. Government 
Locations
Search
Predictable Growth, Set on Your Schedule
Certificates of Deposit allow you to earn a fixed rate over a defined term, giving you a clear path to growth without market uncertainty. Choose from terms ranging from 3 to 60 months to align your savings strategy with your timeline and goals.
Flexible Terms
Whether you’re looking to protect short-term savings or build your balance for years in the future, we offer terms that fit your goals.
Competitive Interest
Earn higher rates with longer terms.
Digital and Mobile Banking
Monitor your savings from anywhere with Civista’s digital banking and mobile app.
Choose the Term That Suits You
Act quickly and take advantage of favorable rates on our CD Specials.
| CD Term | Interest Rate | APY* |
|---|---|---|
| 5 Month CD Special | 3.44% | 3.50% |
| 6 Month CD | 3.68% | 3.75% |
| 8 Month CD Special | 3.68% | 3.75% |
| 9 Month CD Special | 3.69% | 3.76% |
| 11 Month CD Special | 3.68% | 3.75% |
| 12 Month CD | 3.68% | 3.75% |
| 15 Month CD Special | 3.92% | 4.00% |
| 24 Month CD Special | 3.92% | 4.00% |
| 36 Month CD Special | 3.92% | 4.00% |
Early Withdrawal Penalties
| Term | Penalty Imposed for Early Withdrawal |
|---|---|
| 5 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 |
Compare Savings Options
| Table | Statement Savings | NexGen Savings | Money Market Account | Index Money Market Account | CD |
|---|---|---|---|---|---|
| Earns Interest | |||||
| Minimum Opening Balance | $25 | $5 | $2,500 | $25,000 | Varies based on terms1 |
| Minimum Balance to Avoid Monthly Service Charge | $200 | $5 | $2,500 | $25,000 | $5 |
| Monthly Service Charge | $2 | $5 | $12 | $15 | $5 |
| Digital & Mobile Banking Access2 | |||||
| Free Online & Mobile Banking Tools |
1The minimum to open and earn the APY is $500 for CDs opened in a branch. 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.
2Standard wireless carrier charges may apply.
Civista Mobile Banking
Access your accounts, deposit checks, manage cards, and receive alerts right from your phone with Civista’s personal mobile banking app.
Ready to Get Started?
We’re here to help you bank in the way that’s best for you. Get in touch today and let our expert team help you find the tools, accounts, and resources that suit your unique needs.
