Returning applicant?
Check the Status Center

Top Results

Choose the credit union for you

couple looking at laptop screen
Digital & local

Choose the Credit Union for You!

Why should you join a credit union?

  1. You gain a partner for life. One who listens and provides the support, guidance, and products you need to help make the most of your money.
  2. Credit unions are not-for-profit cooperatives run by volunteer boards (unlike banks). You get a say in your credit union’s future, no matter the balance in your account. 
  3. We live by people-first principles and strong values, all aimed at helping you succeed. Now, that’s powerfully personal.  

Meet Civic & LGFCU

We are Civic and Local Government Federal Credit Union (LGFCU). The only two North Carolina credit unions dedicated to serving the people who work in and support our state’s cities, towns and counties.

You keep our hometowns moving. You’re essential to our lives. And you can expect the same level of commitment and impact from us. Our focus on local government means financial services designed especially for you.

We also invest in partnerships across North Carolina that make our hometowns stronger, safer, and more resilient. We provide grants and scholarships through the Civic Local Foundation to further your life and community.

So, whether you choose Civic or LGFCU, you’re looking at a better future. 

LGFCU to Civic logo

Two credit unions – your choice

The modern credit union grounded in local government

Why Civic? For starters, we’re everywhere you are with digital, online and in-person services. It’s always-on personal banking, in the ways you like to connect. And as a neighbor-first credit union, you’ll see us actively engaged in North Carolina communities.

The Civic difference is relationship. We’re all about your success, with real options for your real life.

Credit unions are fundamentally different from private banking  in all of the right ways. That’s why  I joined originally, and I am excited to see Civic growing and becoming the organization that I wanted LGFCU to be this whole time.” - Tom McFarland | Mecklenburg County | IT Project Manager

Digital, but personal

Civic empowers your money management with our bank-anywhere mobile app, and Zelle® to move your money fast.

Going beyond digital

Beyond our digital services, our network is expanding this year, to include 11 new branches, two mobile units, and co-locations in and near local government centers. 

Business banking

Civic offers loans and deposit accounts for your small business or nonprofit organization, for one-stop banking. 

Benefits of joining Civic

check mark

Great rates and lower fees

check mark

Choice Certificates and checking accounts that can earn you money

check mark

Rewards credit cards that let you earn with your purchases

check mark

Small business and non-profit services and accounts.

Some quick numbers


The year Civic started

4 minutes

Average time to open a Civic account 


Number of Civic branches opening in 2024

40 years here for local government

For more than four decades, LGFCU has been serving local government employees and North Carolina communities. We’ve helped you launch and manage your financial life, from first accounts and first cars to first homes and college funds for your children.

We know you. And when you talk about your financial future, we listen. That’s why, in 2025, LGFCU will end its longtime contract for operational support with State Employees’ Credit Union (SECU), and take a big step forward in its
partnership with Civic.

Quote by Credit Union member Wayne Rash - "I just love to see the credit union being forward thinking, where is the industry going in the next 10 years, how do we need to respond to our members’ needs and I think the credit union is so good  at that. I love the direction we’re headed.”

You are ‘why’

Our goal is to serve you better than ever, and transform the way you bank.

How we’re moving forward

As an independent credit union, LGFCU opens the door for all members to enjoy the modern technology platforms of Civic, and its personalized products.

Your future, our future

The future of LGFCU is Civic: One credit union, 100% focused on North Carolina local government, and on creating a better future for you and your community.

Some quick numbers

40 years

How long LGFCU has been serving Local Government employees and their families


North Carolinians bank with LGFCU 


The year LGFCU accounts move to Civic’s platform