fireman in firetruck talking on radio

CIVIC IS HERE
FOR YOU.

We understand that loans to the fire and EMS community are more than financial transactions. Your loan application represents the safety of your community and getting what you need to save lives.

fire truck

Apparatus

  • Fire and EMS trucks
  • Command and utility vehicles
  • Ambulances
  • Water rescue
fire fighting equipment

Equipment

  • Turnout gear
  • Air packs
  • Station furnishings
  • Communications equipment
fire station

Real Estate

  • Fire and EMS stations
  • Construction
  • Expansion and renovations
  • Land

men talking in front of a fire truck

WE’VE GOT THE RIGHT TEAM.

While Civic is a new name, our lending team is anything but new to the North Carolina fire community. For more than a decade, our lending professionals have worked with departments in 88 of the state’s 100 counties. Plus, our team volunteers within the fire industry and shares your commitment to community.

So, whether you talk with our team in the field, call for a consultation or apply for a loan, you can be confident that you’ll get the information — and the guidance — you need.

LET US HELP YOU THROUGH THE PROCESS.

Whether you need to make a purchase or refinance an existing loan, you shouldn’t go at it alone. We’re here to ease the process and provide consultative support.

Your application submission is just the beginning of the process for our team. We'll keep you informed every step of the way so you won't be left wondering about your loan status. 

laptop with Civic Instant Open page

 

WE MAKE IT EASY.

With competitive rates and generous terms, Civic helps you finance what you need for your community’s safety. And as a not-for-profit cooperative, we work on behalf of our members to offer loans that feature:

  • No public hearing
  • Competitive rates
  • No origination or lender fees
  • No prepayment penalties
  • A simple application process
  • Fixed rates
  • Terms up to 10 years
  • A range of payment options

READY TO APPLY?

Download and review these documents:

Other documents you may need:

  • Copy of two year-end financial statements
  • Copy of bylaws and articles of incorporation
  • Copy of signed Fire Protection Agreement with town or county
  • Copy of purchase or construction contract

Once you’re ready to apply, reach out to our lending team and we’ll walk you through the process.

Read about other Civic products designed just for the fire and EMS community, like checking, deposit accounts, credit cards and more, tailored to your needs.