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 5.25% 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

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

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