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Civista Bank

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9 Month CD Special - 3.76% APY*
Lock in a fixed rate with no surprises. Make your opening deposit, and watch your savings grow with guaranteed returns
  • Competitive rates designed to grow your money faster
  • Locked-in rate for dependable growth
  • FDIC-insured for your peace of mind
  • *Annual Percentage Yield (APY)
  • Rates are subject to change
  • Minimum Balance to Open and Earn APY $250
CD Special Terms
Lock in a fixed rate with no surprises. Choose from flexible terms, make your opening deposit, and watch your savings grow with guaranteed returns.
  • Competitive rates designed to grow your money faster
  • Locked-in rate for dependable growth
  • FDIC-insured for your peace of mind
  • *Annual Percentage Yield (APY)
  • Rates are subject to change
15 Month CD Special - 4.00% APY*
Certificates of Deposit (CDs)
Lock in a fixed rare with no surprises. Choose from flexible terms, make your opening deposit, and watch your savings grow with guaranteed returns.
  • Competitive rates designed to grow your money faster
  • Locked -in rate for dependable growth
  • FDIC - insured for your peace of mind
  • *Annual Percentage Yield (APY)
  • Rates are subject to change
6 Month CD
Focus Checking
Straightforward, dependable checking with tools that help keep your money on track.
  • Open your account with just $25
  • Skip the monthly service charge with simple qualifying activities
  • Enjoy built-in conveniences like a feature-rich Debit Mastercard®
  • Access easy, secure digital banking for everyday money management
Vision Checking
Premium, interest-earning checking with elevated everyday conveniences.
  • Open your account with just $25
  • Easily avoid the monthly service charge with simple qualifying activity
  • Earn interest while enjoying premium benefits and added service savings
  • Receive eligible surcharge-fee rebates from other ATM owners
Access Checking
A BankOn-certified account designed for affordability and financial stability.
  • Open your account with just $25
  • No overdraft fees and no minimum balance requirement
  • Simplified, check-less banking for everyday access
  • Requires eStatements
  • Includes a convenient debit card, ATM access, and full digital banking tools
Statement Savings
Great for beginners and moderate savers.
  • $25 minimum to open
  • Unlimited transactions
  • No minimum balance required the first year
  • After first year, avoid fee with qualifying balance
  • Access added conveniences and digital banking tools
Money Market Investment Account
Ideal for savers looking to earn higher rates as balances grow.
  • $2,500 minimum to open
  • Unlimited transactions
  • FDIC insured
  • Debit card and check access
  • Access added conveniences and digital banking tools
  • No monthly service charge fee with qualifying balance
Index Money Market Account
Earn a competitive, SOFR-indexed rate that moves with the market — available exclusively online.
  • $25,000 to open
  • Tiered rates that reward higher balances — with premium earnings available up to $250,000.
  • Flexible access — no lock-in period; manage funds online or in the mobile app.
  • Transparent, no-surprise rate structure — your rate adjusts monthly based on the index.
  • FDIC insured
  • No monthly service charge with qualifying balance
  • Requires eStatements
  • Receive eligible surcharge-fee rebates from other ATM owners