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Got other questions about the transition?
Check out the LGFCU to Civic Member Transition Guide. It has everything you need to know as we move to Civic!

Transition Calendar at a glance
Friday
Online banking closes at 5 p.m.
Saturday
Civic branches and online banking are closed
Sunday
Civic branches and online banking are closed
Monday
Civic branches and online banking are closed
Tuesday
Civic branches and online banking available at 8:30 a.m.
Schedule of Service Availability
0 | Friday, May 30th | Saturday, May 31st | Sunday, June 1st | Monday, June 2nd | |
---|---|---|---|---|---|
1 | Civic Debit and Credit Cards | Available | Available | Available | Available |
2 | Civic ATM Network | Available | Available | Available | Available |
3 | Online and Mobile Banking | Available until 5 p.m. | Unavailable | Unavailable | Unavailable |
4 | Bill Pay | Available until 5 p.m. | Unavailable | Unavailable | Unavailable |
5 | Alerts and Text Messaging | Available until 5 p.m. | Unavailable | Unavailable | Unavailable |
6 | Branches | Available until 5 p.m. | Unavailable | Unavailable | Unavailable |
7 | Civic CO-OP Branches | Available until 5 p.m. | Unavailable | Unavailable | Unavailable |
FAQs about the Transition period
Can I use my credit and debit cards over that weekend?
Yes! LGFCU members, activate your debit card as soon as it arrives, and plan to start using it on May 30. Your credit card can be activated on May 19 and used immediately. Current Civic members can use their cards as usual.
Will my LGFCU debit card still work?
LGFCU debit cards will still work Thursday, May 29, and will be disabled on Friday, May 30. At that time, your Civic debit card will begin working. Make sure you activate your debit card when you receive it so there’s no disruption to your access.
Can I become a Civic member before the transition period?
Yes, you can join Civic right now. You’ll be able to apply for Civic loans and other accounts.
Will I be able to get my account balances over the weekend?
If you want to get your account balances between May 30 and June 2, contact the Experience Center, 24/7 at 844-772-4842.
Will my deposits and transfers go through if they’re already scheduled for the end of May?
Yes, previously scheduled transactions will be processed as expected.
Let’s get you started with some how-to guides.
Getting Started

Focused on you, every day
We bring people and technology together, delivering affordable financial products for a better life for all North Carolinians.
Personal Loans
Loans with the credit unions in 2023 averaged a payment savings of about $65 per month, with a total interest savings of around
over the life of the loan.3
Share Term Certificates
Members who opened CDs with the credit unions in 2023 will earn on average an additional
More than they would have earned with competitive financial institutions.4
Advisory Council
Credit union volunteers serve on the Advisory Council. This group attends credit union meetings, providing feedback on products, services and operations.
These members make up the fabric of North Carolina.
Civic = Local Government
Join the community
We'll guide you step by step through the account opening process, ensuring a smooth experience. Don't worry—you’re eligible! Once your account is set up, you can transfer funds or balances from your other financial institution into your new Civic accounts. With online banking or the Civic app, you’ll have real-time control to transact and monitor your finances effortlessly.
How do I reach Civic?
We’re here to answer all your questions.
Chat with us
Weekdays 8 a.m. to 6 p.m. EST
Email us
Call us
844-772-4842 (844-77CIVIC)
Available 24/7, including holidays
1-800-627-8372
For credit and debit card questions, 24/7
Does Civic have branches?
Yes Civic branches are open in Ahoskie, Asheville, Charlotte, Durham, Greensboro, Greenville, Hickory, Lumberton, Murphy, Raleigh and Wilmington. With digital and in-person options, you can bank your way with a personal touch, always. Come say hi!
Who is eligible to join?
Civic is open to employees and retirees of local government, their family members and volunteers who service local government in North Carolina. In addition, businesses and nonprofit organizations that serve local government are also eligible. But, membership opportunities do not stop there. For full details on all membership options, please click here.
What accounts are required for membership?
All members are required to have a Savings Account. This account requires a minimum deposit of $25.
How do I fund my accounts?
You can open your new account by using a debit card, credit card, personal check or electronic transfer from another financial institution.
Am I eligible to join Civic?
Civic's primary field of membership is for local government employees their families and their businesses. But membership is open to anyone that is eligible. Contact us if you have any questions about membership – we’re here to help.
1 Message and data rates may apply.
2 APY = Annual Percentage Yield. Minimum opening deposit is $250. Civic Choice Certificates are fixed-rate accounts. Dividends are compounded monthly, paid monthly and may be disbursed at maturity or rolled back into the certificate account. Funds may be used as collateral for lending. Applicable fees could reduce balance on account. Rates for new Civic Choice Certificates are subject to change daily at the discretion of the Board of Directors. Within the first 90 days of opening your Civic Choice Certificate, Civic has the ability to restrict or prohibit withdrawals from your account, except as required by law. Penalty will be imposed for early withdrawal.
3 Based on external benchmarking. Rates were compared for the credit union members who originated a personal loan between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with the credit unions. For closed-end loans, the interest savings was calculated on the full amortization of the loan being held to maturity. For open-end loans, the interest savings was calculated using the members average balance in 2023 and assuming an average lifecycle of four years.
4 Based on external benchmarking. Rates were compared for all members who opened an STC or Choice Certificate account between 01/01/23 and 10/31/23. The dividends they would have received with another financial institution were compared to the dividends they received with Local Government or Civic Federal Credit Unions. The estimated additional dividends assumes members hold the STCs to maturity.