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4.30% APY1
A rate worth locking in
Promotional 17-month Choice Certificate + Signature Plus Checking = A rate worth choosing and benefits worth using.
Get a HELOC with a low-rate plus no closing costs.
Dream it, plan it, and fund it
Focused on you, every day
We bring people and technology together, delivering affordable financial products and services for a better life for all North Carolinians.
Bank the way you choose
Online, in the app, on the phone, or in person, Civic gives you convenient ways to manage your money and get the support you need. Bank on your terms.
Why Choose Civic
You’re a member not a number
At Civic, you’re at the heart of everything we do. We take the time to understand your needs and provide solutions that help you move forward. Whether you’re saving, borrowing, or planning for what’s next, we’re here to help you reach your financial goals.
Serving those who serve
Civic serves those who serve and support North Carolina. We are committed to communities and local government employees, volunteers, and your families, providing financial solutions, resources, and relationships to help you thrive.
Banking built for you
Your financial needs aren’t one-size-fits-all. That’s why Civic gives you choices, from everyday banking, savings, and lending solutions to convenient digital tools and personal service. Bank online, in the app, by phone, or face-to-face when you need us.
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. If you are not in our primary field of membership, you can become a Friend of the Civic Foundation, which qualifies you for eligibility to apply for credit union membership. Contact us if you have any questions about membership – we’re here to help.
1 APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Modern banking, personal service
Become a member of the credit union that serves those who serve NC communities