Home mortgage, no surprises 

• Choose fixed 15-year or 30-year term
• Up to 97% financing for primary home purchases, refinances
• Mortgage professionals to guide your process
• Up to 80% financing for cash-out refinances
  
   

This online checking account works hard for you. Get dividends on your balance, access to your direct deposits up to 3 days early, and ATM fees reimbursed.

• Earn dividends every month
• $25 minimum checking account balance
• ATM fees reimbursed up to $20 per month
• Access direct deposits up to 3 days early

Thriving with Parks & Rec

• Earn 0.50% APY with 20 debit card purchases 
• Automatic Civic donation to NCRPA, no cost to you 
• Use any ATM worldwide with fees reimbursed 
• Real-time spending, travel alerts

• Earn 0.50% APY with 20 debit card purchases per month 
• Automatic donations to NCSFA, at no cost to you 
• $5 to open an online Bonus Checking Account 
• Access direct deposits up to 3 days early

• Open with $25 minimum deposit, no minimum balance
• Children 0-12 years old, includes lifetime Civic membership 
• Earn dividends on kids savings account 
• No maintenance fees

Tap into home equity

• Maximum HELOC loan is $250,000
• Property must be in NC, SC, VA or GA
• Loan-to-value (LTV) up to 90%
• Use the app or online banking for advances from your home equity line of credit 
   

Make your next used vehicle loan as affordable as possible with low rates, flexible payment options and up to 7 years to pay off the loan. 

• Flexible used vehicle financing up to 84 months (7 years)
• Used auto loan rates as low as 5.75% APR¹ 
• Easy loan application, fast approvals
• No pre-payment penalties

Retirement savings with tax advantages

• $25 minimum to open 
• Contribute up to $7,000 per year 
• Get tax-deferred growth 
• Full or partial tax deduction for contributions