Impacted by COVID-19? We Will Help. learn more

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Whether your organization is a fire & EMS department or a nonprofit group committed to serving those in need, Civic welcomes you. Your efforts benefit communities across North Carolina — and at Civic, we’re proud to serve those who serve others. Our products for all nonprofits are designed to protect your money so you can focus on your mission.

Your nonprofit can join easily if you already have a consumer account. If you don't have one, become a consumer member today so your nonprofit can join.

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We finance what you need to save lives.

Civic may be new, but our team of lending professionals has been serving the North Carolina fire and EMS community In 88 of the state's 100 counties for more than a decade. That's why you'll get the service and the guidance you need when you're ready to apply for a loan.

  • Apparatus: fire and EMS trucks, command and utility trucks, ambulances
  • Equipment: turnout gear, air packs, station furnishings, communication equipment
  • Real estate: fire and EMS stations, construction, expansion and renovations, land
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Read about other Civic products designed just for the fire and EMS community, like checking, deposit accounts, credit cards and more, tailored to your needs.
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Civic Business Checking

The convenience you want. The features you need.

Civic FCU Business debit card
Nationwide ATM fees reimbursed*
Earn dividends on your checking balance
Real-time spending and location-based alerts
  • Permission-based online account access
  • Just $5 to open a Civic Business Checking Account
  • Online Bill Pay and eStatements
  • Deposit remotely with Civic Digital Deposit
  • Multiple cards available per account
  • 24/7 identity theft and fraud protection
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Civic Business Checking Details


* Fees applicable to any ATM network in the United States and its territories will be charged to member account and then refunded to the same account within two business days of the transaction being posted. Rebated funds will be available for use following the credit union’s nightly processing.

Civic provides eStatements at no cost to account holders. Paper statements are available for a fee of $5 per month. 

24/7 identity theft and fraud protection is provided through Mastercard for Civic debit and credit cards. The service does not apply to checks or ACH transactions. To contact Mastercard directly, call 1.800.627.8372. 

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Civic Business Savings

Open your account with just $1.

  • Set up Overdraft Transfer Service* for a checking or Money Market Account
  • Goal-based savings account with competitive rates
  • Create "savings buckets" to help you stash the cash you’re saving
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Civic Business Savings Account Details


* Overdraft Transfer Service is available from a Checking, Savings or Money Market accounts with no minimum increments or transfer fees. Members may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits. Transfers are restricted to no more than six per month. Repeated excess transfers may cause the loss of overdraft privileges.

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Civic Nonprofit Money Market Accounts

Generous dividends help your money make money.

  • Civic Nonprofit Money Market, with 0.75% dividends on balances over $500
  • Check-writing option available
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Civic Nonprofit Money Market Account Details


Minimum opening balance is $500. APY of 0.75% applies to minimum balance of $500. Dividends are earned only on the days the available balance is greater than or equal to $500. Dividends compounded daily and paid monthly. See our Truth-in-Savings Disclosure for more information at Funds may be used as overdraft coverage for Civic Checking Accounts.

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Civic Business
Share Term Certificates

Rates done right – choose your term and what you earn.

  • Fixed-rate dividends*
  • Personalized maturity dates and rollover options
  • Automatic dividend deposits
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Civic Business Share Term Certificates Details


* Minimum opening deposit is $500. Share term certificates are fixed-rate accounts. Dividends are compounded daily and paid monthly. Dividends may be disbursed at maturity monthly or rolled back into the certificate account. Funds may be used as collateral for lending. Rates for new STCs are subject to change daily at the discretion of the Board of Directors.

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Civic Business Credit Card

Give your nonprofit or organization the credit it deserves.

The Civic Mastercard has low rates, no annual fees, and can be used everywhere Mastercard is accepted.

Civic FCU Business credit card
1% cash back on purchases*
No Annual Fees, and no application, cash advance or balance transfer fees
  • Owner-managed and controlled employee credit cards
  • Use everywhere Mastercard is accepted worldwide
  • Flexible spending limits, from $1,000 to $30,000
  • Real-time spending and location-based alerts
  • 24/7 identity theft and fraud protection

Civic Business Credit Card Details


Subject to approval. Rates and credit limit are evaluated based on member’s credit history. Rates are subject to change. Cash back is earned on the net eligible retail purchase transaction volume (i.e. purchases less credits, returns and adjustments) purchased on your Civic Advance Credit Card. Net purchases are rounded to the nearest dollar and are subject to verification. If a transaction is subject to a billing dispute, the cash back value of the transaction in question may be deducted from the cash back total during the dispute period. If the transaction is reinstated, the cashback will also be reinstated. Cash back is not eligible on finance charges, fees, cash advances (including purchase of crypto currency and foreign currency), convenience checks, Debt Protection charges, PIN-based purchases, payment of existing card balances, balance transfers, ATM transactions, purchases of and any fees paid towards gift cards, pre-paid cards, re-loadable cards, or payments made for payment instruments that can readily be converted to cash (for example, travelers' cheques, money orders, wire transfers, lottery tickets, casino gaming chips, off-track betting, wagers). From time to time, Civic Federal Credit Union may offer special promotional cashback offers that will contain details and limitations at that time. Accounts that are closed or delinquent at the time of the offer are not eligible. Cash back earned on special promotions may take up to two billing cycles following the promotion posting. If more than one Civic Advance Credit Card has been issued for the same Account, cash back from each such card will be pooled together into one cash back balance. Separate accounts under the same household will not be pooled together. If your card is lost or stolen, your cash back balance will be transferred to your new card.

† Subject to approval. 

24/7 identity theft and fraud protection is provided through Mastercard for Civic debit and credit cards. The service does not apply to checks or ACH transactions. To contact Mastercard directly, call 1.800.627.8372. 

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Civic Business Loans

Affordable rates and generous terms for your organization.

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Civic Business Loans Details


* Subject to approval.

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Civic Real Estate Loans

Civic financing helps your organization find a home.

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Civic Real Estate Loan Details


* Subject to approval.

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Civic Business Auto Loans

Give your nonprofit the drive it needs.

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Civic Business Auto Loans Details


* Subject to approval.

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Civic Revolving Line of Credit

Fund what you need when you need it.

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Civic Revolving Line of Credit Details


* Subject to approval.

† Data fees may apply. Check with your service provider.