S-01 · Member shares
New subscriptions closed
A voluntary share balance. Any dividend requires a separately funded declaration; no fixed yield is promised.
01 // CIVITAS CREDIT COOPERATIVE
Member accounts
Checking, savings and shared crew payments. Appointed custodians handle aUEC transfers; your statement shows the amounts received and paid.
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CIVITAS CREDIT COOPERATIVEChecking and savings
Your checking and savings accounts use HCC. One HCC represents a claim for one aUEC held by a Civitas custodian. A deposit becomes available after a teller checks that it has arrived. Funds reserved for a withdrawal cannot be spent while that request is pending.
Your statement lists completed transfers and payments. If an entry is wrong, contact the Civitas office with its reference. Corrections are recorded against the original entry so both remain visible.
Your member account ↗Making a deposit
- 01
Create a deposit request
Choose an appointed custodian in your account. Civitas gives you the exact aUEC amount to send and a request reference.
- 02
Send aUEC and upload proof
Send the exact amount to the named custodian, then attach your transfer image to the request.
- 03
Wait for teller confirmation
A teller checks the custodian’s receipt. The image supports the request, but funds must be confirmed before your balance is credited.
- 04
Check your statement
Once confirmed, the deposit appears in your checking balance and statement. Keep the reference if you need to ask about it.
Treasury standards
Shares, term savings and working capital
These are voluntary products. Your existing membership and accepted agreements remain unchanged. New subscriptions use the published policy edition in force when you accept.
Policy edition 1 · effective 21 October 2956. Financial service is open.
S-10 · Checking
Admitted product
Confirmed funds for transfers, crew payments and repayments. Current checking accounts remain free.
S-40 · Term certificates
New subscriptions closed
7, 14 or 30 days. Fixed return calculated at 2.10% nominal annual rate; the full return is reserved at issue.
C-10 · Cargo margin
New subscriptions closed
Apply for up to 80% of a recorded cargo contract value. A reviewed written offer is required.
C-20 · Refinery bridge
New subscriptions closed
Apply for up to 60% of a refinery work-order value. Advances use the same lending and custody controls.
C-30 · Reconstruction
New subscriptions closed
Treasury-admitted recovery advance, capped at 100,000.00 HCC. Existing debts are preserved.