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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.

Smiling members enjoying camping and the outdoors.

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.

A Civic member posing for his picture in Greenville, NC.

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.

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.

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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.

Ready to get started?

Leadership

This team works to serve more people and organizations from virtually anywhere. They prioritize people, purpose, and the planet.

Headshot of our CEO Dwayne Naylor
Headshot of our CEO Dwayne Naylor

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."

Headshot of our Chief Operating Officer Sherry Bear.
Headshot of our Chief Operating Officer Sherry Bear.

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."

Headshot of our Chief Lending Officer Neal Chaloupka.
Headshot of our Chief Lending Officer Neal Chaloupka.

Neal Chaloupka

Chief Lending Officer

"We have the ability to build exactly what the members have asked for."

Headshot of our CFO David D’Annunzio.
Headshot of our CFO David D’Annunzio.

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.”

Headshot of our Chief Marketing Officer Lamar Heyward.
Headshot of our Chief Marketing Officer Lamar Heyward.

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 headshot.
Kristen Hoyle headshot.

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.”

Headshot of our Chief Human Resources Officer Don Larsen.
Headshot of our Chief Human Resources Officer Don Larsen.

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.”

Headshot of our CLO Dayatra Matthews.
Headshot of our CLO Dayatra Matthews.

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.”

Headshot of our Chief Impact Officer Ashley Ruffin.
Headshot of our Chief Impact Officer Ashley Ruffin.

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.”

Headshot of our CTO Sandy Steward.
Headshot of our CTO Sandy Steward.

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!"

Headshot of our Chief Member Experience Officer Pete Vangraafeiland.
Headshot of our Chief Member Experience Officer Pete Vangraafeiland.

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."