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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
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
     
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
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

Whether you’re local or just passing through, come in and experience the credit union difference.

Joshua N.

We strive to provide exceptional member service, blending traditional in-person banking with the digital focus of Civic at our Raleigh branch.

Brennan W.

I’m a firm believer that people bank with people, not just banks. At Civic, you experience that personal touch.  We’re dedicated to offering outstanding service for you and your families and assisting with all your banking needs.

Ricky T.