Bank · FDIC insured
Civista Bank Savings Rates
Civista Bank’s best savings rate is 0.12% APY on $10,000, with its Money Market Investment Account (MMIA). Rates checked October 16, 2026.
How Civista Bank’s savings 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
0.12%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $12
Money Market Investment Account (MMIA)
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Civista Bank savings score
66
Savings score
Higher than 16% of U.S. banks and credit unions
- $1,000 balance$1,0000.03%
- $10,000 balance$10,0000.12%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.12%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Investment Account (MMIA)
0.12%APY
$12 monthly service charge waived with a minimum balance of $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $50,000 | 0.12% | $12 |
| $50,000 – $100,000 | 0.21% | — |
| $100,000 and up | 0.50% | — |
Statement Savings
0.03%APY
No minimum balance requirement during the first year. $2 monthly service charge waived with $200 minimum balance. Interest earned on balances of $100 and above.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRate and APY may change after opening. Fees could reduce earnings. $2 monthly fee avoided with $200 minimum balance (no minimum balance requirement during the first year).$100 and up | 0.03% | $3 | Rate and APY may change after opening. Fees could reduce earnings. $2 monthly fee avoided with $200 minimum balance (no minimum balance requirement during the first year). |
Special-purpose accounts
Health Savings Account
0.05%APY
Must be covered by an HSA-qualified health plan with no other health coverage and not claimed as a dependent on another person's tax return. $10 one-time setup fee, $3 monthly fee, and no minimum balance requirement.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rate and APY may change after opening. Fees could reduce earnings. $3 monthly fee, $10 setup fee. | 0.01% | — | Rate and APY may change after opening. Fees could reduce earnings. $3 monthly fee, $10 setup fee. |
| $1,000 – $5,000Rate and APY may change after opening. Fees could reduce earnings. $3 monthly fee, $10 setup fee. | 0.03% | — | Rate and APY may change after opening. Fees could reduce earnings. $3 monthly fee, $10 setup fee. |
| $5,000 and upRate and APY may change after opening. Fees could reduce earnings. $3 monthly fee, $10 setup fee. | 0.05% | $5 | Rate and APY may change after opening. Fees could reduce earnings. $3 monthly fee, $10 setup fee. |
Sources (3)
All captured Oct 16, 2026
NexGen Savings
0.03%APY
Account holders must be under 25 years of age (designed for ages 16–24 / kids, teens, and young adults). Minors under 18 require a joint owner 18 years of age or older. $0 monthly service charge and $0 minimum balance to avoid fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate and APY may change after opening. Fees could reduce earnings. $0 monthly service charge.Over $0 | 0.03% | $3 | Rate and APY may change after opening. Fees could reduce earnings. $0 monthly service charge. |
Sources (3)
All 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.