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Civic is built for you – and we think you deserve even more. Check out products you know and love, plus new options to get more out of your membership.

Checking accounts

Bonus Checking Active

Get all the flexibility life demands — designed to move at the speed of your life.

  • Make 20 debit card purchases each month and earn higher dividends
  • Use ATMs worldwide, with fees reimbursed
  • Get paid up to 3 days early with direct deposit

check it out: Civic Bonus Checking

 

Affinity Debit Cards Active

Supporting your community couldn't be easier. Just use your Fire Debit Card how you normally would, and a percent of Civic's merchant fees will go toward programs sponsored by NC State Firefighters' Association.

  • Make 20 debit card purchases each month to earn higher dividends
  • Receive your direct deposits up to 3 days earlier
  • Help support critical NCSFA programs
  • Coming soon: NCAR&EMS Debit Card for Rescue and EMS, and NCRPA Debit Card for Parks and Recreation staff and volunteers

check it out: Civic Affinity Debit Cards

 

Youth accounts

NextGen Checking and Savings Active

Help for teens age 13 to 17 to grow their money and gain solid financial skills.

  • Practice spending with a debit card
  • Open an account with $25 or $5
  • Keep your cash! Pay no maintenance fees

check it out: Civic NextGen Checking and Savings

 

YoungStar Savings Account Active

Great money skills that last a lifetime start with a savings account for children.

  • For children age 12 and younger to build up funds
  • A joint account with parent makes transfers easy 
  • Become an eligible Civic member for life

check it out: Civic YoungStar Savings Account

 

Savings accounts

Select Savings Active

It’s more than a share savings account. It’s a savings engine.

  • Achieve your goals with digital savings tools
  • Save with automatic deposits
  • Earn dividends on your deposits

check it out: Civic Select Savings

 

Money Market Active

Step up your savings strategy: Get the best parts of a savings and checking account in one place.

  • Get dividends that are compounded daily
  • Receive direct deposits up to 3 days early
  • Use checks as an additional way to access funds

check it out: Civic Money Market

 

Choice Certificates Active

LGFCU calls them Share Term Certificates. At Civic they’re Choice Certificates and offer steady savings on your terms so you can reach your goals.

  • Enjoy higher dividends than standard savings accounts
  • Choose terms that match your financial goals
  • Lock in a great rate and reinvest earnings to save more

check it out: Civic Choice Certificates

$1,250

The average amount in dividends members earn from certificate accounts held to maturity. (More earnings than with comparable financial institutions in 2023.)1

Roth IRA Active

Grow your savings by contributing your after-tax dollars with a Roth IRA.

  • Your earnings are compounded daily and paid out monthly
  • Withdraw your money tax- and penalty-free
  • Ongoing contributions aren’t required

check it out: Civic Roth IRA

 

Traditional IRA Active

Invest in yourself. Your contributions grow tax-deferred, meaning you aren’t taxed on the earnings until your funds are disbursed.

  • Open an account with just $25
  • Enjoy tax-deductible contributions 
  • Ongoing contributions aren’t required
  • Your earnings are compounded daily and paid out monthly

check it out: Civic Traditional IRA

 

SEP IRA Active

The savings solution for small businesses and self-employed members.

  • Save up to 25% of your salary
  • Enjoy tax-deferred earnings
  • Your earnings are compounded daily and paid out monthly
  • Ongoing contributions aren’t required

check it out: Civic SEP IRA

 

Health Savings Account (HSA) Active

Save for the health services you need.

  • Pay for qualified medical expenses
  • Get tax-free deductions
  • Unused funds roll over annually
  • HSA debit card for eligible purchases only

check it out: Civic Health Savings Account (HSA)

 

Steady Save Active

Like your Holiday Cash Account but with more options. Save for any goal — a vacation, the holidays, your tax bill or more.

  • Select one of two payout dates for funds
  • Choose amount and frequency for automatic deposits
  • Dividends compound daily and are paid monthly

check it out: Civic Steady Save

 

Credit card accounts

Rewards Credit Card Active

Earn points on your purchases automatically.

  • Get 1% back in rewards points on your purchases
  • No cash advance, annual, or balance transfer fees
  • Use your points for merchandise, travel perks, and more

check it out: Civic Rewards Credit Card

 

Classic Credit Card Active

Aim high with our lowest rate credit card. Great for consolidating other high-interest credit cards.

  • 0% APR on all purchases for 6 months
  • No cash advance fees
  • 0% APR on balance transfers for 6 months
  • Roadside assistance included with no extra enrollment needed

check it out: Civic Classic Credit Card

 

Loan accounts

Emergency Loan Active

Things happen. When you need emergency cash, we’re here.

  • Qualified borrowers can access up to $500
  • Get a low fixed rate
  • Short payment terms of up to 3 months

check it out: Civic Emergency Loan

 

Credit Builder Loan Active

Rewrite your story or build up your credit profile. We’re here to help.

  • We’ll pre-fund your account with an amount you choose
  • Make on-time payments to build your credit score
  • Establish credit and savings

check it out: Civic Credit Builder Loan

 

Personal Loan Active

Borrow better for the planned and unexpected with fixed payments.

  • Enjoy rates as low as 10.25% APR
  • Use funds to cover unexpected expenses
  • Restructure your high-interest debt
  • Enjoy a vacation

check it out: Civic Personal Loan

$3,800

Average total interest savings over the life of the loan. Members also typically saw an average payment savings of about $65 per month in 2023.1

New Auto Loan Active

Drive easy with low rates and easy pre-approvals.

  • Enjoy rates as low as 7.74% APR
  • Get flexible payment options up to 96 months
  • Pay off your loan early with no penalty
  • GAP+ Insurance available for purchase

check it out: Civic New Auto Loan

$2,400

The average interest savings over the life of the auto loan. Members typically saw an average savings of $36 per month in 2023.1

Used Auto Loan Active

A loan that fits your budget so you can drive that "new to you" car home.

  • Enjoy rates as low as 7.74% APR
  • Get flexible terms up to 84 months 
  • Save time with quick and easy pre-approvals
  • Refinance for a lower car payment

check it out: Civic Used Auto Loan

 

Personal Line of Credit Active

Unexpected expenses can throw off your budget. Access your money when you need it.

  • Enjoy rates as low as 12.00% APR
  • Take out money when you need to
  • Consolidate your debt and manage cash flow

check it out: Civic Personal Line of Credit

 

Mortgage accounts

First-time Homebuyer Loan Active

Our First-Time Homebuyer Loan combines special financing and terms with flexible options.

  • Get up to 97% financing and fewer upfront costs
  • For members who haven’t owned a home in three years (or ever!)
  • Private Mortgage Insurance (PMI) not required with down payment of 20% or more
  • Special mortgage programs available

check it out: Civic First-time Homebuyer Loan

 

Fixed-Rate Mortgage Active

Settle into peace of mind with a consistent principal and interest payment.

  • Build your home insurance and tax payments into your monthly payment
  • Enjoy step-by-step support from a dedicated team
  • VA and FHA loans available
  • Mortgage grant available 

check it out: Civic Fixed-Rate Mortgage

 

Adjustable-Rate Mortgage (ARM) Active

A home loan that adjusts your rate after a period of either 5 or 10 years, depending on which ARM you choose.

  • Enjoy a competitive initial interest rate
  • Cap the amount your monthly payment may increase
  • An ideal solution if you plan to sell or pay off the loan within a few years
  • VA and FHA loans available
  • Special mortgage program available1

check it out: Civic Adjustable-Rate Mortgage (ARM)

 

Mortgage Refinance Active

Take control of your mortgage with a refinance.

  • Lower your payment or interest rate
  • Change your loan terms to better work for you
  • Get up to 97% in financing

check it out: Civic Mortgage Refinance

 

Home Equity Line of Credit (HELOC) Active

Get the most out of your home loan.

  • Pay for home improvements, education expenses, and more
  • Access up to $250,000
  • Get rates as low as 8.50% APR

check it out: Civic Home Equity Line of Credit (HELOC)

 

Business and nonprofit accounts

Business Checking Active

Power up your business: Get 24/7 access to your accounts and management tools to help bring efficiencies to your business.

  • Earn money on your balance
  • Manage tasks and all your financial relationships from one place
  • Have 24/7 identity and theft protection

check it out: Civic Business Checking

It's very refreshing to know that someone is interested in my success as equally as I am interested in my own success.

Amelia Sneed, Owner, Amelia Irene Catering

Nonprofit Checking Active

You're making an impact. Your checking account should too.

  • Earn money on your balance
  • Easily manage tasks and all your financial relationships 
  • 24/7 protection for your funds and data

check it out: Civic Nonprofit Checking

With Civic, even a small nonprofit can have expert-level financial management. It's more than a bank. It's a trusted partner in our nonprofit journey.

Catherine McDowell, Executive Director, Roots of Recovery

Business Savings Active

Save money while you grow your business.

  • Get high-yielding, competitive rates to earn more
  • Make your surplus funds work harder
  • Get unlimited transactions, no fees

check it out: Civic Business Savings

 

Business Rewards Card Active

Earn points and get rewarded for your business expenses.

  • Get 1% back in rewards points on your purchases
  • 24/7 identity theft and fraud protection
  • No annual, application or transfer fees

check it out: Civic Business Rewards Card

 

Business Choice Certificates Active

Invest with a Business Choice Certificate, sometimes called a certificate of deposit or CD, to achieve your goals.

  • Invest to make business funds work harder
  • Select custom terms
  • Choose a fixed term and enjoy compounding dividends

check it out: Civic Business Choice Certificates

$27 MILLION

Total additional dividends earned across all members with certificates when held to maturity.1

Business Money Market Active

Boost your business savings with more ways to access your money.

  • Get high dividend yields on your savings
  • Transfer your money with no early penalties
  • Use available funds for overdraft transfers

check it out: Civic Business Money Market

 

Nonprofit Money Market Active

Make the most impact by making the most of every dollar.

  • Enjoy market-leading dividend yields on your savings
  • Transfer your money with no early penalties
  • Access your money anytime

check it out: Civic Nonprofit Money Market

 

Business Line of Credit Active

Get on-demand funding with the consistency of long-term planning.

  • Get funding as you need it
  • Use your Civic account for advanced funds
  • Get support from a dedicated team

check it out: Civic Business Line of Credit

 

Real Estate Loan Active

Get real solutions for your commercial real estate financing.

  • Pay off your loan early with no penalty
  • Get amortization up to 30 years
  • Position your business for growth

check it out: Civic Real Estate Loan

 

Business Term Loan (Short/Long) Active

Get the business funding you need on your schedule.

  • Flexible options to meet your needs
  • Select payment terms on your time from 1-10 years
  • Enjoy no pre-payment penalties

check it out: Civic Business Term Loan (Short/Long)

 

Explore all that Civic gives you

Your credit union is built for you, so we want you to have everything you need. Follow Civic where you are on Instagram, YouTube, LinkedIn, Facebook, or X (formerly Twitter). And we’ll be in your inbox to let you know as more products and services are added to the lineup!

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