# Civista Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/civista-bank
Institution: Civista Bank (FDIC 12982)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:25.000Z (October 22, 2026)
Official source: https://www.civista.bank/personal-savings/cd
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 Month CD Special | promotional | 5 months | $500 | 3.50% | Not ZIP-priced | −0.89% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 6 Month CD | standard | 6 months | $500 | 3.75% | Not ZIP-priced | −0.65% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 8 Month CD Special | promotional | 8 months | $500 | 3.75% | Not ZIP-priced | −0.70% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 11 Month CD Special | promotional | 11 months | $500 | 3.75% | Not ZIP-priced | −0.79% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 12 Month CD | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 15 Month CD Special | promotional | 15 months | $500 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 24 Month CD Special | promotional | 24 months | $500 | 4.00% | Not ZIP-priced | −0.87% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |
| 36 Month CD Special | promotional | 36 months | $500 | 4.00% | Not ZIP-priced | −0.95% | 2026-10-22T16:21:25.000Z | [Snapshot 334](https://apyledger.com/snapshots/334) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.