Certificates of Deposit & CD Specials

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.

Open A CD

Choose the Term That Suits You

Act quickly and take advantage of favorable rates on our CD Specials.

Special CD Term	Interest Rate	APY*
5 Month CD Special	3.44%	3.50%
8 Month CD Special	3.68%	3.75%
11 Month CD Special	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%

Open a CD Today!

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

*Annual Percentage Yield (APY) is accurate as of 5/15/2026. 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automatically renew for the same term, with the rate based on the closest standard CD term, excluding specials, unless withdrawn at maturity.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. 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. Offer is subject to change or discontinuation at any time.

Compare Savings Options

Table	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 Access¹
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.

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Certificates of Deposit