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Civista Insights

Featured Blog Posts


Woman looking at Civista Bank's savings account options on her phone.

NEW!

Smart Saving Strategies

Financial Literacy, Saving

Discover Civista's savings options for a secure financial future. Learn about Savings Accounts, Money Market Accounts, & CDs to boost financial growth.

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The Civista Legacy: Over a 140 Years of Banking Excellence

Our Story

Explore Civista Bank's 140-year journey from 1884, evolving into a trusted financial institution committed to innovation, growth, and community.



Group of people attending a financial literacy presentation from Civista Bank.
NEW!

Empowering Our Communities Through Financial Literacy

Our Story

Civista Bank boosts community financial literacy through diverse programs, online resources, and workshops for a stronger future.



Phishing and Smishing Prevention

Cybersecurity

Cybercriminals use phishing and smishing scams steal personal information by sending texts or emails with fraudulent links or attachments.




Planning Your Next Home Improvement Project

HELOC

Renovating your home doesn't have to be difficult. Civista Bank offers some strategies on how to map out the perfect home improvement plan.




Understanding Compound Interest

Financial Literacy, Saving

Compound interest can be a great help for investing and saving or a great hurdle for paying off debt. Civista Bank explains what it is and its advantages.



woman drinking coffee working on home improvement

Fall Home Improvement Projects

HELOC, Seasonal

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




Cybersecurity Tips for Small Businesses

Cybersecurity

Protecting your company is always in the forefront of your mind. Civista Bank shares ways to increase your cybersecurity protection.




Understanding HSAs

Saving

Health Savings Accounts (HSAs) are a powerful financial tool available to people who have qualifying high-deductible health plans.




Favorite Ways to Use Your HELOC

HELOC

Home Equity Lines of Credit can be used for a variety of projects, from home improvement to other major expenses.



Person presenting to their team.
NEW!

Unleashing Potential: The Civista Bank Learning and Development Team

Our Story

Discover how Civista Bank's Learning and Development team supports career growth and excellence through innovative training and tailored learning paths.



Person using their new coffee manufacturing equipment.

Strategic Advantages of Leasing for Small Businesses

Equipment Leasing

Discover how equipment leasing benefits your small business with cost-effective solutions, tax advantages, the latest technology, and enhanced scalability.



Mother helping daughter save money in piggy bank

How to Grow Your Emergency Savings
Prepare for the Unexpected

Saving

Prepare for the unexpected & protect your financial well-being. Discover smart strategies & essential tips to safeguard against unforeseen circumstances.



Contractors using their leased equipment to clear ground for building.

Understanding the Basics of Equipment Leasing

Equipment Leasing

Explore the strategic benefits of equipment leasing for businesses, from financial flexibility to staying current with technology.



Image of a hacker using AI on a laptop to steal financial data.

Navigating AI Scams

Cybersecurity

Uncover the risks of AI technologies like voice cloning and deepfakes in scams and learn essential strategies to protect your personal and financial data.





























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.
We’re here to help!
 

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Home Equity Line of Credit (HELOC) lowest rate is Prime (7.75% Annual Percentage Rate (APR) as of 11/8/24). 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 your line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 11/8/24) 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% and maximum APR is 25.00% OH and 18% IN. Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio. Property insurance required and flood insurance may be required. Consult your tax advisor regarding the tax deductibility of interest. Important Consideration when managing Interest-Only Payments: the interest rate on a home equity line of credit 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 15-year draw period of your home equity line of credit. At maturity, any remaining account balance outstanding will be due in a single balloon payment. At that time, the bank may, but is not obligated to, refinance the line of credit. Subject to credit and property approval.
 
Loan details are as of November 2024 and may be subject to change.