Bank · FDIC insured
Civista Bank CD Rates
Civista Bank’s best CD rate is 4.00% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Civista Bank’s CD rates compare
Compared with banks and credit unions near Sandusky, OH, where Civista Bank has the most branches. $10,000, best rate first.
This bank’s best
Civista Bank
4.00%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $502
Certificates of Deposit
Top rate
Fremont Federal Credit Union
5.10%APY
- Term
- 84 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $4,165
2nd-highest rate
First Federal Savings of Lorain
4.60%APY
- Term
- 35 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $1,402
Civista Bank CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Civista Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.00%APY · 17 terms
CD minimum to open and earn APY in branch is $500. Minimum to open and earn APY online is $1,000, except featured 8-month term which is $10,000 online.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.50% | $12 |
| 5 monthsCD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 3.50% | $144 |
| 5 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.55% | $23 |
| 6 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 3.75% | $186 |
| 7 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.55% | $32 |
| 8 monthsCD Special. Featured 8-month term CD minimum to open and earn APY online is $10,000; in branch is $500. Offers require new money - funds not on deposit at Civista | 3.75% | $248 |
| 8 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.55% | $37 |
| 9 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.60% | $45 |
| 11 monthsCD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 3.75% | $343 |
| 11 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.60% | $55 |
| 12 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 3.75% | $375 |
| 13 monthsAdd-on minimum $50. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.60% | $65 |
| 15 monthsCD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 4.00% | $502 |
| 15 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.60% | $75 |
| 18 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.60% | $90 |
| 24 monthsCD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 4.00% | $816 |
| 24 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.65% | $130 |
| 30 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.70% | $176 |
| 36 monthsCD Special. Offers require new money - funds not on deposit at Civista. Minimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 4.00% | $1,249 |
| 36 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.70% | $211 |
| 42 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.75% | $265 |
| 48 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.80% | $324 |
| 60 monthsMinimum opening balance and minimum balance to obtain APY is $500 in branch ($1,000 online) | 0.85% | $432 |
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 3.31%APY · 3 terms
Minimum $25 add-on to all IRA Accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months13 Month Fixed. Minimum $25 add-on to all IRA Accounts | 0.60% | $65 |
| 13 months13 Month Special. Minimum $25 add-on to all IRA Accounts | 3.31% | $359 |
| 18 months18 Month Fixed. Minimum $25 add-on to all IRA Accounts | 0.60% | $90 |
| 18 months18 Month Special. Minimum $25 add-on to all IRA Accounts | 3.10% | $469 |
| 18 months18 Month Variable. Minimum $25 add-on to all IRA Accounts | 0.65% | $98 |
| 30 months30 Month Fixed. Minimum $25 add-on to all IRA Accounts | 0.70% | $176 |
KidCents CD
0.60%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.60% | $60 |
Sources (1)
- civista.bank/deposit-rates · captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.