The Civic First-time Homebuyer Program gives you special terms and flexible options to help you enter your homeowner era!  

• First-time homebuyer loan with no down payment required
• Applicant is not a homeowner (for past 3 years or ever!)
• Get up to 97% financing, lower up-front costs
• Choose a fixed or adjustable-rate mortgage (ARM)

Best life with rewards points

• Earn 1% back in rewards points on your purchases¹
• Rates as low as 14.25% APR
• Loan amounts up to $30,000 (individuals) or $60,000 (joint accounts)
• No application, cash advance or annual fees

Choice Certificates help you save more in stable and predictable ways.

• $250 minimum opening as a one-time deposit 
• Our best deposit rates and yields based on time period 
• 6- to 60-month terms for predictable growth 
• Reinvest dividends or take monthly payouts

This Money Market Account helps you grow your balance faster than a traditional savings account. Access your money whenever — no restrictions.

• Open a money market account with $250
• Earn 2.08% when you maintain $250 balance or more
• Access direct deposits up to 3 days early
• Money Market Account can be used as overdraft transfer option
   

These low auto refinance rates could save you hundreds in interest, and lower your car or truck payments.  

• Auto refinance rates as low as 5.25% APR¹
• Quick pre-approvals for auto refinance
• No pre-payment penalties
• Up to 84 months, depending on vehicle age

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 on your balance every month
• No minimum balance requirement
• 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