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Debit and Credit Cards
Be sure to activate your debit card and reset your PIN by calling the number on the back of your card. We understand that some members are experiencing other card issues, and we are actively working to address this. For questions, call or text us at 844-772-4842, email us at memberservices@civicfcu.org, or chat with Vic, our friendly chatbot. Due to heavy volume, wait times are extended.
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.
Let’s get you started with some how-to guides

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.5
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.6
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
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.