Best CD rates and certificates

Requirements

Product: Substantial interest penalties for early withdrawal. Fixed interest rate paid on entire opening deposit balance based on balance tier/term selected. Minimum opening deposit $1,000.

Offer: Quarterly compounding. Relationship Bonus rate requires maintaining an active Great Relationship or Great Relationship Plus account with CSB (transaction at least once every 12 months).

Requirements

Product: Relationship is defined by having a Main Street Bank checking account with transactions during the last 30 days, or opening a checking account on the same day as opening the Relationship CD. The Bank reserves the right to limit Relationship CD Specials to a maximum deposit amount of $250,000. All Relationship CD Specials automatically renew as a 12 month CD.

Offer: Choose Your Term Relationship CD Special (6 month term). Requires qualifying checking relationship. Automatically renews as 12 month.

Requirements

Product: Terms available ranging from 3 months to 60 months. Penalty will be imposed for early withdrawal.

Offer: New accounts only with $10,000 new money deposit. Penalty will be imposed for early withdrawal.

Requirements

Product: Early withdrawal penalties may apply. Fees could reduce earnings.

Offer: Early withdrawal penalties may apply. Fees could reduce earnings.

Requirements

Offer: You can add money any time until maturity. No maximum balance.

Requirements

Product: Dividends paid at maturity. $1,000.00 minimum. Rates are subject to change. Fees could reduce earnings on Share Certificates. Early withdrawal penalty applies for Share Certificates (90 day penalty of interest for withdrawing the funds before the maturity date). Terms vary from 6 months to 48 months.

Offer: Dividends paid at maturity. $1,000.00 minimum.

Requirements

Product: Dividends are paid monthly on all savings products. Penalty for early withdrawal. $500 minimum deposit on Certificates, $5,000 minimum deposit for Promotional Certificates.

Offer: Penalty assessed for early withdrawal.

Requirements

Product: Certificate rates remain fixed for the term of the certificate. Dividends are compounded monthly and paid quarterly. A penalty may be imposed for withdrawals before maturity.

Requirements

Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.

Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.

Requirements

Product: 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.

Offer: CD 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).

Requirements

Product: Rate and annual percentage yield is fixed for the term of the share certificate. Penalty for early withdrawal of principal: 180 days' dividends for terms less than 36 months, 365 days' dividends for terms equal to or greater than 36 months. Must allow earnings to be added to certificate balance to earn stated APY; withdrawal of monthly earnings will not allow earning stated APY.

Offer: Early withdrawal penalty applies (365 days' dividends for terms 36 months or greater). Earnings must remain in certificate to earn stated APY.

Requirements

Product: Minimum deposit to open is $500.00. Early withdrawal penalty may apply. Maturity in whole months only. APY is for minimum term only.

Offer: Gold Rate tier. Requires Gold Membership Package (Average Savings Product Balance Relationship of $20,000.00 or greater or Aggregate Balance Relationship of $20,000.00 or greater with direct deposit or payroll deductions of at least $500.00/month).

Requirements

Product: Rates effective October 16, 2026. $500 minimum deposit. 0.10% bonus paid on certificates of $50,000 or more for terms of 2 to 5 years.

Requirements

Product: The dividend rate is the same as the rate for the various terms stated in the term share certificate schedule. APY does not apply because the member receives a monthly dividend disbursement. Early withdrawal penalty applies.

Offer: Standard Rate tier. APY does not apply due to monthly dividend disbursement.