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Drive home happy with lower auto rates on new and used vehicles
Auto rates as low as 4.99% APR1
Focused on you, every day
We bring people and technology together, delivering affordable financial products for a better life for all North Carolinians.
Message from CEO Dwayne Naylor
“We’re building a credit union that reflects the people it serves: modern, responsive, and built to last.” — CEO Dwayne Naylor
This June we became a fully independent credit union, built to serve North Carolina’s local government employees and their families with more options and flexibility than ever before. We want to thank all our members for your patience and feedback, and for embracing the changes at your credit union.
Hear the full message from CEO Dwayne Naylor.
Personal Loans
Loans originated with the credit union in 2024 saved members a total of around
$
5634
in interest
over the life of the loan, when compared with personal loans from other lenders.2
Share Term Certificates
Members who opened certificates with the credit unions in 2024 will earn on average of
$
1228
in dividends
more than they would have earned with competitive financial institutions.3
Advisory Council
Credit union volunteers serve on the Advisory Council. This group attends credit union meetings, providing feedback on products, services and operations.
1000
credit union members
These members make up the fabric of North Carolina.
Join the community
We'll guide you step by step through the account opening process, ensuring a smooth experience. Don't worry—you’re eligible! Once your account is set up, you can transfer funds or balances from your other financial institution into your new Civic accounts. With online banking or the Civic app, you’ll have real-time control to transact and monitor your finances effortlessly.
How do I reach Civic?
We’re here to answer all your questions.
Chat with us
Weekdays 8 a.m. to 6 p.m. EST
Call us
844-772-4842 (844-77CIVIC)
Available 24/7, including holidays
Does Civic have branches?
Yes Civic branches are open in Ahoskie, Asheville, Charlotte, Durham, Greensboro, Greenville, Hickory, Lumberton, Murphy, Raleigh and Wilmington. With digital and in-person options, you can bank your way with a personal touch, always. Come say hi!
Who is eligible to join?
Civic is open to employees and retirees of local government, their family members and volunteers who service local government in North Carolina. In addition, businesses and nonprofit organizations that serve local government are also eligible. But, membership opportunities do not stop there. For full details on all membership options, please click here.
What accounts are required for membership?
All members are required to have a Savings Account. This account requires a minimum deposit of $25.
How do I fund my accounts?
You can open your new account by using a debit card, credit card, personal check or electronic transfer from another financial institution.
Am I eligible to join Civic?
Civic's primary field of membership is for local government employees their families and their businesses. But membership is open to anyone that is eligible. Contact us if you have any questions about membership – we’re here to help.
1 APY = Annual Percentage Yield. APR = Annual Percentage Rate.
2 Based on external benchmarking. Rates were compared for the credit union members who originated a personal loan between 01/01/24 and 10/31/24. The interest rate they would have received with another financial institution was compared to the interest rate they received with the credit unions. For closed-end loans, the interest savings was calculated on the full amortization of the loan being held to maturity. For open-end loans, the interest savings was calculated using the members average balance in 2023 and assuming an average lifecycle of four years.
3 Based on external benchmarking. Rates were compared for all members who opened an STC or Choice Certificate account between 01/01/24 and 10/31/24. The dividends they would have received with another financial institution were compared to the dividends they received with Local Government or Civic Federal Credit Unions. The estimated additional dividends assumes members hold the STCs and Certificates to maturity.