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Civista Insights

Featured Blog Posts


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Fall Home Improvement Proejcts

HELOC

Autumn is the perfect time to reassess your financial goals and tackle some home renovation projects before the holidays.

Couple growing their savings. Learning more about Civista CDs and CD savings strategies.

Growing Your Savings

Saving

Explore how Certificates of Deposit (CDs) can help you grow your savings.

 
Student looking at their Civista Debit Mastercard to make an online purchase on their phone.

Using Your Debit Card Wisely

Spending

Master key financial skills with a debit card. Learn spending, budgeting, and ATM safety to build a strong financial future.

5 Tips to Stress Less About Your Finances and Focus on Your Education

Spending

Whether you’re moving back to campus or taking courses online, we have some tips to keep you less stressed about finances and focused on your education.




Civista Debit Mastercard and Digital Wallet

Spending

Simplify payments and enhance security with Civista Debit Mastercard and digital wallets.





























Civista Insights Blog

We strive to provide useful and accessible information that will help you gain a better understanding of financial topics and make smart decisions for your future. With our blog page, you can stay up-to-date on the latest news in finance, get tips and strategies to increase your financial literacy, and learn how to make informed decisions for your financial success.
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Home Equity Line of Credit (HELOC) lowest rate is Prime (7.50% Annual Percentage Rate (APR) as of 9/2/2025). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close out your home equity line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 9/2/2025) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.75%; maximum APR is 25.00% (OH, MI, PA), 21% (IN), 19% (KY). Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio.

Draw period: 10 years (interest-only payments). The interest rate on a HELOC is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 10-year draw period of your home equity line of credit. Repayment period: 10 years (principal & interest payments). Property insurance required and flood insurance may be required. Minimum loan amount is $10,000.00. Consult your tax advisor regarding interest deductibility. Subject to credit and property approval. Advertised rates and terms are subject to change without notice.

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