Disclosures are not effective until the Effective Date listed in each Limited Federal Disclosure Statement for Change in Terms email. You will have received these Change in Terms emails as applicable.

Digital Banking Disclosures

• Online and Mobile Banking Agreement
• eStatements & eNotices

Personal Banking Disclosures

• Membership and Account Agreement
• Cardholder Agreement  
• Cardholder Agreement (for accounts opened on or before May 16, 2024)  
• Consumer Card Solicitation Agreement
• Electronic Funds Transfer Agreement
• Funds Availability Policy
• Truth-In-Savings Disclosure (Choice Certificate)
• Truth-In-Savings Disclosure
• Privacy Policy
• Civic Rewards Program
• Home Equity Early Disclosure
• Home Equity Early Disclosure (Interest Only)
• Home Equity Addendum
• What You Need to Know About HELOC  
• Zelle® Terms of Service

Business Banking Disclosures

• Business Cardholder Agreement
• Business Cardholder Agreement (for accounts opened on or before May 16, 2024)
• Business Membership and Account Agreement
• Business Rewards Program
• Online and Mobile Banking Agreement (Business)   
• Truth-In-Savings Disclosure (Choice Certificates)
• Visa® Business Guide to Benefits

Other Disclosures

• Equal Opportunity
• Language Assistance

Bylaws

• LGFCU Bylaws

Home Mortgage Disclosure Act (HMDA)

The HMDA data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. This data is available online at the Consumer Financial Protection Bureau's website. HMDA data for many other financial institutions is also available at this website.

Nationwide Multistate Licensing System (NMLS)

To increase accountability to consumers and reduce fraud, the Secure and Fair Enforcement of Mortgage Licensing Act (SAFE Act) requires mortgage loan originators including Civic to be registered with the NMLS. Civic is permanently assigned the NMLS Unique Identifier of 1079297 used for data reporting to industry regulators, including loan applicant data. For more information, visit NMLS Consumer Access.