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Focused on you, every day
We bring people and technology together, delivering affordable financial products for a better life for all North Carolinians.
From Murphy to Manteo, Civic is here to serve
Same commitment to the local government community. Same personal service from people who know you. A new digital experience that lets you bank how you want to bank.
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 loan1
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.2
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.
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.)
Email us at
Call us at
844.77CIVIC (844.772.4842),
(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 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.
2 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.