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Earn up to 4.60% APY1 on a Choice Certificate
Focused on you, every day
We bring people and technology together, delivering affordable financial products for a better life for all North Carolinians.
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
Personal Loans
Loans originated with the credit union in 2024 saved members a total of around
$
5634
in interest
over the life of the loan, when compared with personal loans from other lenders. 5
Share Term Certificates
Members who opened certificates with the credit unions in 2024 will earn on average of
$
1228
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
credit union members
These members make up the fabric of North Carolina.
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 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.
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 01/01/24 and 10/31/24. 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 01/01/24 and 10/31/24. 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 and Certificates to maturity.