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Civista Insights

Featured Blog Posts


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NEW!

The Civista Legacy: Over a 140 Years of Banking Excellence

Explore Civista Bank's 140-year journey from 1884, evolving into a trusted financial institution committed to innovation, growth, and community.

Student looking at their Civista Debit Mastercard to make an online purchase on their phone.
NEW!

Using Your Debit Card Wisely

Debit Cards, Spending, Financial Literacy

Master key financial skills with a debit card. Learn spending, budgeting, and ATM safety to build a strong financial future.



Summer Home Energy Efficiency Tips

HELOC

With utility costs rising, now is the perfect time to increase your home's energy efficiency. Civista Bank shares our favorite energy efficient tips.



5 Questions to Ask Before Buying a Home

 Home Ownership

Whether you’re a first-time homebuyer or a current owner looking to sell or refinance, here are a few key questions that can help guide your decision.


   

Tips for Buying a Home in a Competitive Market

Home Ownership

If you're looking to buy a home, it can feel like you're up against impossible odds. There are still ways to get ahead in the race for your dream home!



Making your pet's dream a reality with a Civista Mortgage.

Making Your Pet's Dream Home a Reality

Home Ownership

Find the perfect home with Civista Bank's pet-friendly mortgages. Discover competitive rates and expert guidance to make your pet's dream home a reality.



A Guide to Getting Started with Your Summer Job

Seasonal

Get ready for summer jobs with tips on creating an effective resume, researching employers, and managing your income!



Summer Savings

Seasonal

Summer is a wonderful time for vacations, activities, projects, and more. These costs can add up quickly, so Civista Bank shares tips to save this summer.

Fun in the Sun Without Breaking the Bank

Seasonal

Enjoy a fun-filled summer without breaking the bank! Discover budget-friendly strategies for travel, activities, and smart spending.




Favorite Ways to Use Your HELOC

HELOC

Home Equity Lines of Credit can be used for a variety of projects, from home improvement to other major expenses.




Planning Your Next Home Improvement Project

HELOC

Renovating your home doesn't have to be difficult. Civista Bank offers some strategies on how to map out the perfect home improvement plan.



Where to Start Your Homebuying Journey

Home Ownership

Buying a home is a huge financial commitment and one of the largest purchases many people will make. Here's where to start.



Building Better Credit for Homeownership

Home Ownership

Learn about the factors that lenders consider when assessing a potential borrower’s creditworthiness and how to use credit in order to get approved.



Summer Travel Hacks

Seasonal

Discover essential summer travel hacks for keeping your money secure. Safeguard your finances with digital banking, security alerts, and smart strategies.





























Civista Insights Blog

We strive to provide useful and accessible information that will help you gain a better understanding of financial topics and make smart decisions for your future. With our blog page, you can stay up-to-date on the latest news in finance, get tips and strategies to increase your financial literacy, and learn how to make informed decisions for your financial success.
We’re here to help!
 

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Home Equity Line of Credit (HELOC) lowest rate is Prime (8.50% Annual Percentage Rate (APR) as of 7/27/23). The lowest rate includes no closing costs for equity lines under $500,000.00 that remain open for at least 36 months. If you close your line of credit within 36 months of account opening, the bank origination fee waived at account opening ($350.00 as of 7/27/23) may be assessed. Annual fee is $75.00 and is waived the first year. The APR may vary based on The Wall Street Journal “Prime Rate” (Prime) as published on the first day of the month. Minimum APR is 3.25% and maximum APR is 25.00% OH and 18% IN. Rate and terms may change at any time and may vary by property type, loan amount, credit history, and loan-to-value ratio. Property insurance required and flood insurance may be required. Consult your tax advisor regarding the tax deductibility of interest. Important Consideration when managing Interest-Only Payments: the interest rate on a home equity line of credit is variable; therefore, your monthly interest-only payment may change with market rates. Your principal balance is only reduced when you make voluntary principal payments during the 15 year draw period of your home equity line of credit. At maturity, any remaining account balance outstanding will be due in a single balloon payment. At that time, the bank may, but is not obligated to, refinance the line of credit. Subject to credit and property approval.

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