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Focused on you, every day
Because your financial life is more than money. It is access, opportunity, and community strength where you live.
What We Do
We bring people and technology together, delivering affordable financial products for a better life for all North Carolinians.
We're making positive impacts across North Carolina, serving local government, guiding members to define their own version of prosperity, and helping to build healthy, thriving communities for today and tomorrow.
People First
Our mission is people, not profits. It’s in our DNA. Civic Federal Credit Union is committed to helping local communities thrive.
We do this by serving local government through equitable lending, supporting local initiatives, and funding small business growth.
Planet Always
As a financial cooperative focused on local government and the communities of this state, we strive to lessen our environmental impact. We support and encourage initiatives to preserve natural resources for today and for generations to come.
Prosperity For All
We are a member-centric financial institution supporting all North Carolinians by helping to build strong communities. Our commitment is to identify the ways we can use finance for the greater good, building prosperity for all of us.
Our History
We use past success as a source of inspiration to push forward and do more.
1983
North Carolina Local Government Employees Federal Credit Union (NCLGEFCU) was formed at the request of local government employees who were removed from State Employees' Credit Union due to a lawsuit won by NC banks. There are several thousand members who sign on when NCLGEFCU first opens its doors.
2003
Name changes to Local Government Federal Credit Union (LGFCU). At this time, there are more than 181,000 accounts and nearly $453 million in deposits.
2010
LGFCU reaches $1 billion in assets and NCUA voices concerns with LGFCU's reliance on SECU
The possibility of creating another credit union is explored
2013
SECU announces the end of its business services and commercial loans; the planned change would shut down LGFCU lending to NC fire departments.
LGFCU members voice desire for more ownership of the credit union’s path, and work begins with member volunteers for exploration of an independent credit union with advanced digital capabilities.
2014
LGFCU is named a Certified Designated Financial Institution (CDFI) by the U.S. Department of the Treasury in 2014, based on a demonstrated commitment to serving members who lack access to loans, equity investments, and/or financial services.
2015
Work begins on the charter application required for a new digital credit union
2018
NCUA approves Civic’s charter, and Civic Federal Credit Union opens for business
2019
Civic makes its first loan for a $500,000 fire apparatus
2022
LGFCU leadership announces intention to separate from SECU, a move "ratified" by LGFCU Board of Directors
2023
Civic reaches milestone of 7,000 members
2024
Civic members vote to merge Civic into LGFCU
Civic opens 11 branches and completes its full product line launch to serve members
2025
LGFCU officially combines its data with Civic and adopts the Civic brand, cementing the credit union's independence.
Learn More About Civic FCU
From our volunteers to our Strategic Plan, we share our vision, describing how we'll serve local government today and in years to come, and details how our operating model is rooted in values-based banking.
Civic Board of Directors
Each Board Director is elected by and from among the Credit Union's membership. These men and women perform key audit and decision-making functions, set policies for Civic, and appoint its CEO and members of the Supervisory and Loan Committees.
Civic Membership
Committed to Our Members
Here, you are part of a larger picture. You are among other people in local government who are learning to make better money decisions and improve their lives. Together, we are building a future for you and momentum for good in your community. Money is more than finances. It is the decisions we make that help build our lives. Choose your path to success with Civic Federal Credit Union. We are here to help you reach your goals.
Volunteers
Community Membership
Volunteers are vital to our community, and to our Credit Union. That's why local government volunteers are eligible to join Civic! We know our local government units and communities run smoothly because of the collaboration between employees and volunteers, so we offer membership to both groups.
Leadership
Leadership
This team works to serve more people and organizations from virtually anywhere. They prioritize people, purpose, and the planet.
Dwayne Naylor
Chief Executive Officer
"We look forward to having you join us at the start of this journey that will mean so much for the hardworking, dedicated people who make up North Carolina's local government community."
Sherry Bear
Chief Administrative Officer
"Everything at Civic must be easy to understand and easy to explain. We're trying to take the complications out of banking."
Neal Chaloupka
Chief Lending Officer
"We have the ability to build exactly what the members have asked for."
David D’Annunzio
Chief Financial Officer
“Civic exists to further the financial lives of those who serve and support North Carolina communities. We believe in prosperity for all members, and we’re here to help them achieve that.”
Lamar Heyward
Chief Marketing Officer
"The vibe at Civic is like nothing I've felt before. The response from our members, the commitment of our staff and the possibilities that greet us every day — it all just inspires me."
Kristen Hoyle
Chief Audit Officer
“Our members are dedicated to serving communities across North Carolina. At Civic, we work to honor their service by being the best financial institution we can be — secure, efficient, and always available.”
Don Larsen
Chief Human Resources Officer
“As Civic staff members, we take pride in living our mission — serving local government units, employees, family members and volunteers, to improve their lives and the communities in which they live and serve. That pride is demonstrated every day through our Core Values, which we hold dear and aspire to live by in serving our members.”
Dayatra Matthews
Chief Legal Officer/General Counsel
“People over profit, service over position. That’s what it means to be Civic-minded and why I’m incredibly proud to be part of a team that works with unparalleled integrity, intentionality and passion for all within North Carolina’s local government community.”
Ashley Ruffin
Chief Impact Officer
“Civic was created to provide the best, most convenient services to the people who keep North Carolina communities strong. Serving them, and the communities where they live and work, is why we are here.”
Sandy Steward
Chief Technology Officer
“Civic represents a phenomenal opportunity to offer our members something unique and exceptional, tailored just for them and in response to what they ask for. We want to be YOUR Credit Union in every way!"
Pete VanGraafeiland
Chief Member Experience Officer
"The entire Civic staff, as well as our members, are all part of an initiative to trailblaze the future of financial services."