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Easy money
Earn up to 4.60% APY1 on a Choice Certificate
1. Activate your Civic debit and credit cards today
Call: 800-992-3808 for debit card
or 855-574-1508 for credit card
2. Download the app
Visit the App Store or Google Play Store to download the Civic app1
3. Log in to online banking
Your online banking access is available
Thank you for your patience
We've made big changes. Here's where we stand — and what comes next.
Civic is here to help guide you through this transition
Check out the LGFCU to Civic Member Transition Guide. It has everything you need to know as we move to Civic!
Can I add my card to my digital wallet?
Yes, if your card is loaded in Card Control+, you can add it to your digital wallet. If you’re waiting for your card to arrive, you can see it in Card Control+ and add it to your wallet.
How can I see my account balance?
You can log in to online banking or your Civic app to check your balance; call us for online banking and speak to our digital assistant, Vicki; or visit an ATM to do a balance inquiry.
How do I make a payment for a Civic loan?
You can make your personal loan, auto loan or HELOC payment by transferring your payment from your Civic account using online banking. When you receive your next statement, you can review the appropriate address for mailing your payment, if you prefer to pay by check.
I’m new to Civic. How do I log into online banking?
If you’re an LGFCU member, you can use your LGFCU username and password. If you’re new to Civic, you can log in from this page and follow the prompts to register.
If I’m visiting a CO-OP Shared Branch to move some money, what do I need to bring?
You should bring a valid government-issued ID, know at least one of your Civic account numbers, and be aware that you should advise the staff you’re a Civic member.
Now that conversion has finished, how do I make mortgage payments?
We emailed mortgage-holders in May to let them know that Civic mortgages (and former LGFCU mortgages) are now serviced by our partner, the Credit Union Mortgage Association (CUMA). But this doesn’t mean your mortgage has been sold.
Mortgage payment information is available through the CUMA website, accessible through this link or through Civic online banking — by selecting “More,” then “Transfers & Payments,” then “Mortgage Payment.” You’ll be linked to the CUMA website.
You can also make payments at Civic branches by cash or check.
Use your in-app barcode and avoid the fees
See how to easily add cash to your accounts at over 3,500 retail locations across NC and nearly 90,000 nationwide using the Civic app, without fees!2
Or, use your debit card
Watch to learn how to add cash to your account with your debit card when you stop by one of nearly 200 participating Walmart stores in NC.3 Civic will reimburse the service fees.4
Let’s get you started with some how-to guides
You can download the app now!
Get the Civic app to unlock fast, easy and secure ways to manage your money.
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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
$
3800
in savings
over the life of the loan.5
Share Term Certificates
Members who opened CDs with the credit unions in 2023 will earn on average an additional
$
1250
in dividends
More than they would have earned with competitive financial institutions.6
Advisory Council
Credit union volunteers serve on the Advisory Council. This group attends credit union meetings, providing feedback on products, services and operations.
1000
Advisory Council members
These members make up the fabric of North Carolina.
Civic = Local Government
It was easy to set up the accounts, just answering a few questions and completing the required paperwork, she says. Everybody I dealt with at Civic was great and walked me through it.
Angela J.
Robeson County, Human Resources Director
Member since 2019
To a small nonprofit, the dividends are a big deal. It makes your impact go further, he says. If you’re linked up with a nonprofit, whether a volunteer fire department or a soccer team, it’s well worth a phone call to ask how Civic can benefit you.
Brian K.
Fire Marshal, City of Jacksonville NC and Small business owner
Member since 2019
Member volunteerism is one way we exercise democratic control of our credit union, because we’re member owned. Volunteering for Civic supports operational integrity, and the board and committee members who volunteer do so for the benefit of the entire membership.
Emily L.
Wake County Employee
Civic Member
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
Call us
844-772-4842 (844-77CIVIC)
Available 24/7, including holidays
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 Add up to $1,000 per transaction and up to $2,500 per day, per person; limits are determined by the retailer and may vary by location. Minimum deposit is $20. Keep the receipt as proof of transaction. There are no fees for using this service. Funds may take up to an hour to appear in your account.
3 Walmart, the Walmart Spark Design, and Save Money. Live Better. are trademarks of Walmart, registered in the US Patent and Trademark Office and in other countries. ©️2025 Walmart. All rights reserved.
4 Retail service fee up to $3.74 and limits may apply. Load up to $1,000 per transaction and up to $1,500 per day. Keep the receipt as proof of your transaction. Service provided by GreenDot.® All rights reserved. GreenDot Corporation NMLS #914924. GreenDot Bank NMLS #908739. If you are eligible for a retail service fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.
5 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.
6 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.