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Zelle
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Rewards Credit Card

Happy parents are having fun with their two little girls on the beach.

YoungStar Kids

  • 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
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A couple embarks on their home renovation journey, powered by the Civic Credit Union Home Equity Line of Credit.

Home Equity Line of Credit

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 
     
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Smiling man sitting behind the wheel of a car, symbolizing ease and satisfaction with a Civic used auto loan.

Used Auto Loan

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
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"We look forward to meeting our members where they are in their digital banking journey — assisting them in person and giving them the tools to use online banking when it works for them."

Richie

Durham Branch Location

502 Rigsbee Avenue Suite 101
Durham, NC 27701
A gentleman using his laptop to sign up for a Civic Traditional IRA savings account.

Traditional IRA

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
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An older couple dancing in the kitchen, enjoying the moment while planning for their future with a Civic Roth IRA.

Roth IRA

Retire strong, tax-free 

Open a Roth IRA savings account for retirement so your contributions and dividends can grow tax-free.

  • $25 minimum deposit and monthly balance to avoid maintenance fee
  • Dividends are compounded daily and paid out monthly
  • Ongoing deposits to your Roth IRA are not required
  • Annual contributions up to $7,000, or $8,000 for members 50+ years old
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Happy couple enjoying their new home purchased with the Civic adjustable rate mortgage.

Adjustable-Rate Mortgage

Powerful homebuying

  • Credit union ARM rate is fixed for first 5 or 10 years, then adjusts 
  • No early payoff penalties
  • ARM interest rate cap limits rate increases 
  • Must be a Civic member to apply
     
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A woman uses her Civic new auto loan to purchase a new car.

New Auto Loan

Get our best auto loan rates to make your new car or truck loan payments affordable.  

  • Vehicle rates as low as 5.25% APR1
  • Finance dealer purchases up to 96 months (8 years)
  • Quick and easy pre-approvals
  • Apply for a new auto loan or refinance an existing one
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Business owner checking her Civic's SEP savings account on mobile device.

SEP IRA

Be an entrepreneur and be prepared for retirement! An SEP IRA uses pre-tax contributions to help you and your employees save for retirement. 

  • Employers may contribute up to 25% of each eligible employee’s income
  • $25 minimum to open an account
  • Dividends compound daily and are paid out monthly
  • Ongoing contributions are not required
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