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Savings

Some Things are Worth Saving For

So Many Reasons to Save

Like the down payment for a home or a new car. A college fund. A dream vacation stash. Or simply an emergency fund for those curve balls that life throws.

A Variety of Savings Accounts to Get You There

Civista Bank is here to help you save more with convenient features for beginners to experienced savers. In fact, our Civista basic savings account has no minimum balance requirement the first year to help you get started.

Traditional Plans
Specialty Savings

SAVINGS

Great for beginners and moderate savers
$25.00 minimum to open
No minimum balance the first year
FDIC Insured
Mobile & Online access

money market investment

Savvy savers looking for potential to earn higher rates with growing balances
$2,500 minimum to open
FDIC Insured
Check Access
Mobile & Online Access

CERTIFICATE OF DEPOSIT

Those looking for a fixed rate for a set term
$500 minimum to open
Terms ranging from 3 to 60 months
FDIC Insured
Ability to add money to original term

Kidcents Savings

Perfect for kids under 18
$5.00 minimum to open
Interest earned from the first penny

health savings accounts

If you have a High Deductible Health Plan, this is for you.
Works like a checking account with free HSA checks and a debit card
Tax-free savings. Consult your tax advisor.

iras

Individual Retirement Accounts (IRAs) help you maximize your retirement savings.
We can help you choose the option that best fits your needs in consultation with your tax advisor.

Holiday Savings club Account

Perfect for any budget
Prepares you for holiday shopping, travel, and festivities without the stress of last-minute expenses
$10.00 minimum to open

Traditional Plans

SAVINGS

Great for beginners and moderate savers
$25.00 minimum to open
No minimum balance the first year
FDIC Insured
Mobile & Online access

money market investment

Savvy savers looking for potential to earn higher rates with growing balances
$2,500 minimum to open
FDIC Insured
Check Access
Mobile & Online Access

CERTIFICATE OF DEPOSIT

Those looking for a fixed rate for a set term
$500 minimum to open
Terms ranging from 3 to 60 months
FDIC Insured
Ability to add money to original term

Specialty Savings

Kidcents Savings

Perfect for kids under 18
$5.00 minimum to open
Interest earned from the first penny

health savings accounts

If you have a High Deductible Health Plan, this is for you.
Works like a checking account with free HSA checks and a debit card
Tax-free savings. Consult your tax advisor.

iras

Individual Retirement Accounts (IRAs) help you maximize your retirement savings.
We can help you choose the option that best fits your needs in consultation with your tax advisor.

Holiday Savings club Account

Perfect for any budget
Prepares you for holiday shopping, travel, and festivities without the stress of last-minute expenses
$10.00 minimum to open

Resources to Help you Plan

Savings Calculators

Savings Account

$25 minimum to open
No minimum balance required the first year to help you get started
After first year, $200 minimum daily balance required to avoid $2.00 monthly service charge
Mobile and online banking access

Money Market Investment Account

Tiered interest rates give you the potential to earn more as your balance grows
$2,500 minimum to open
Check writing access available
No monthly maintenance fee with $2,500 minimum daily balance; otherwise $12.00
eStatement is account standard. Optional paper statement may be substituted for an additional fee.

Certificates of Deposit

$500 minimum to open
Choose from a variety of terms offered from 3 to 60 months
Fixed Rate
Add-On Certificate feature lets you make additional deposits to your original 13 month CD with as little as $50.00 without changing the term
Jumbo Certificates available with a minimum $100,000 deposit
Penalties for early withdrawal

IRAs

Traditional IRA

Offers tax advantages today for qualified contributions.

Roth IRA

Offers tax-free distributions on withdrawals after age 59 ½ for IRAs opened at least five years.

SEP IRA

A Simplified Employer Pension (SEP) is an employer-sponsored retirement plan available to small business owners and their employees.

To determine which IRA is right for you, consult your tax advisor.

Holiday Savings Club Account

Save throughout the year
Get started anytime of the year
Set up automatic fund transfers from checking to build savings easily
Enjoy the convenience and safety of your Holiday Savings balance directly deposited into your designated Civista checking or savings account mid-October
Withdrawals made before the October disbursement date will automatically close account with a $25.00 early close fee
Perfect for any budget

We’ve Got the Perfect Account For You

Compare Savings Accounts

	SAVINGS	MONEY MARKET INVESTMENT	CDS
Minimum to Open	$25	$2,500	$500
Minimum daily balance to earn interest	$100	$2,500	$500
Minimum daily balance to avoid monthly service charge	$200	$2,500*	N/A
Monthly service charge	$2.00	$12.00	N/A