Interested in earning rewards with your purchases? The Rewards Credit Card has built-in cash back features that help you earn every time you spend.
Classic Credit Card
Classic Credit Card
Get the lowest rate possible
High rate credit cards have met their match
SAVE
Get 0% APR* on all purchases for 6 months
VALUE
Rates as low as
10.50% APR*
TRANSFER
Get 0% APR* on balance transfers for 6 months
Aim high with low rates
The Classic Credit Card gives you access to the lowest credit card rates possible. Low rates mean better ways to spend and consolidate other high-interest credit cards. For your first six months, enjoy 0% APR* on balance transfers and 0% APR* on all purchases.
Use the Civic app‡ or online banking to track your spending and your progress paying off your balance. The Classic Credit Card provides you with the lowest rates possible to help you spend and borrow better.
Get affordable access
- Loan amounts up to $30,000 for individuals and up to $60,000 for joint accounts
- Minimum payment 3% of the outstanding balance or $25 whichever is greater
- Rates as low as 10.50% APR*
Jumpstart your journey
- $0 Fraud Liability#
- 0% APR* on purchases for six months
- 0% APR* on balance transfers for six months
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to keeping it local
Local governments are essential for building a strong economy, increasing the standard of living and serving North Carolinians. And at Civic, we’re embedded in the local economy, offering equitable products and positive financial returns for our members, small businesses and nonprofits.
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to people
Our mission is people, not profits. We resolve to put the needs and well-being of individuals, families and communities first. And in everything we do, we cultivate practices of embracing our differences through a policy of diversity, equity and inclusion for all.
Civic Membership
You Belong Here
Here, you’re part of a community that puts community first.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
We believe everyone plays a role in building our communities. Our role is improving the financial lives of the people dedicated to making a local impact: those who work in and support our communities across the state. Join us.
Our commitment to prosperity
We engage in an active use of finance to do good while helping our members to do well. This means we offer member-focused benefits like equitable dividends, low fees, better interest rates and products that help you get ahead.
You know that details matter. [And you are in good company.]
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Disclaimer
* APR = Annual Percentage Rate. Introductory rate of 0% APR on purchases for 6 months from date of account opening and an introductory rate of 0% APR for 6 months from date of first transfer for balance transfers. Balance transfers must be completed within 6 months of account opening. After that, the standard variable APR (from 10.50% to 18.00% APR) for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. All applicants are subject to credit approval.
‡ Standard message and data rates apply. Please check with your carrier for details.
# The $0 Liability Guarantee covers fraudulent transactions made by others using your Civic consumer debit or credit cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. Please note: You are responsible for reviewing your statements and reporting unauthorized transactions to us.
^ Other fees may apply.