Civista Bank CD Rates — October 2026
As of October 22, 2026, Civista Bank's highest tracked CD rate is 4.00% APY on a 15-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.75% to 3.75% APY.
Tracking began .
Civista Bank CD rates
Standard CDs and CD specials. The minimum to open and earn the APY is $500 in a branch; online it is $10,000 for the featured 8-month CD and $1,000 for other terms. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 5 months | 5 Month CD Special Promotional | 3.50%Verified October 22, 2026 |
| 6 months | 6 Month CD | 3.75%Top 37% · $10k reference sampleVerified October 22, 2026 |
| 8 months | 8 Month CD Special Promotional | 3.75%Verified October 22, 2026 |
| 11 months | 11 Month CD Special Promotional | 3.75%Verified October 22, 2026 |
| 12 months | 12 Month CD | 3.75%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 15 months | 15 Month CD Special Promotional | 4.00%Verified October 22, 2026 |
| 24 months | 24 Month CD Special Promotional | 4.00%Top 28% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 36 Month CD Special Promotional | 4.00%Top 24% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.00% APY (15 months). The standard rate for a similar term is 3.75% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $25 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Civista Bank's best CD rates by term?
Civista Bank's best rate is 4.00% APY on 15 months, verified October 22, 2026.
- 5 mo3.50%
- 6 mo3.75%
- 8 mo3.75%
- 11 mo3.75%
- 12 mo3.75%
- 15 mo4.00%
- 24 mo4.00%
- 36 mo4.00%
How much interest could a Civista Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$502.19 interest · $10,502.19 at maturity on $10,000.00.
4.00% APY · 15 months · 15 Month CD Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $72.153.50% APY · 5 Month CD Special · Promotional | $144.293.50% APY · 5 Month CD Special · Promotional | $360.733.50% APY · 5 Month CD Special · Promotional | $721.463.50% APY · 5 Month CD Special · Promotional |
| 6 months | $93.143.75% APY · 6 Month CD · Standard | $186.293.75% APY · 6 Month CD · Standard | $465.723.75% APY · 6 Month CD · Standard | $931.443.75% APY · 6 Month CD · Standard |
| 8 months | $124.063.75% APY · 8 Month CD Special · Promotional | $248.123.75% APY · 8 Month CD Special · Promotional | $620.303.75% APY · 8 Month CD Special · Promotional | $1,240.593.75% APY · 8 Month CD Special · Promotional |
| 11 months | $171.833.75% APY · 11 Month CD Special · Promotional | $343.653.75% APY · 11 Month CD Special · Promotional | $859.143.75% APY · 11 Month CD Special · Promotional | $1,718.273.75% APY · 11 Month CD Special · Promotional |
| 12 months | $187.503.75% APY · 12 Month CD · Standard | $375.003.75% APY · 12 Month CD · Standard | $937.503.75% APY · 12 Month CD · Standard | $1,875.003.75% APY · 12 Month CD · Standard |
| 15 months | $251.104.00% APY · 15 Month CD Special · Promotional | $502.194.00% APY · 15 Month CD Special · Promotional | $1,255.484.00% APY · 15 Month CD Special · Promotional | $2,510.974.00% APY · 15 Month CD Special · Promotional |
| 24 months | $408.004.00% APY · 24 Month CD Special · Promotional | $816.004.00% APY · 24 Month CD Special · Promotional | $2,040.004.00% APY · 24 Month CD Special · Promotional | $4,080.004.00% APY · 24 Month CD Special · Promotional |
| 36 months | $624.324.00% APY · 36 Month CD Special · Promotional | $1,248.644.00% APY · 36 Month CD Special · Promotional | $3,121.604.00% APY · 36 Month CD Special · Promotional | $6,243.204.00% APY · 36 Month CD Special · Promotional |
How Civista Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 20 of 51 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Civista Bank (this institution)15 Month CD Special · Promotional | 15 months | $500 | Coverage: IN, OH | 4.00% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| First Commonwealth Bank15 Month Certificate of Deposit (CD) · Promotional | 15 months | $10,000 | Columbus, OH · ZIP 43215 | 4.25% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Civista Bank on October 22, 2026.
About Civista Bank
- Legal name
- Civista Bank
- Regulator ID
- FDIC 12982
- Headquarters
- Sandusky, OH
- Available in
- IN, OH
- Total assets
- $4.3 billion
- Also known as
- Website
- www.civista.bank
Source: rates read from https://www.civista.bank/personal-savings/cd. See the page text we read.
Frequently asked questions
What is the highest CD rate at Civista Bank?
Among the rates we track, 4.00% APY on a 15-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Civista Bank CD?
The lowest minimum we found is $500.
How does Civista Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.65% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Civista Bank CDs insured?
Civista Bank is an FDIC-insured bank (FDIC 12982). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Civista Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Civista Bank's website and may change at any time. Confirm terms, minimums and eligibility with Civista Bank before opening an account. This page is not financial advice.