A range of cash solutions are planned for member transactions. 

• We're opening 11 branches in 2024, and you'll have the option to deposit and withdraw cash at these locations. 
• In addition, we’re excited to share that you will soon be able to enjoy cash solutions across multiple statewide networks for deposits and withdrawals.

 This includes:

• Use of 106 credit union branches across the state through the Co-op Shared and ATM networks
• Access to more than 300 MoneyPass® surcharge-free ATMs in North Carolina 
• Continued access to SECU’s CashPoints® ATMs network for withdrawal services

LGFCU members will continue to have access to SECU’s branch services until independence in June 2025. 
 

LGCFU will shift your accounts to Civic automatically when we separate account management operations from SECU in June 2025.

Our goal is to retain account numbers for checking, share savings, and other LGFCU deposit accounts, and we continue to work with vendors on this. We’ll update you as we get closer to June 2025.

We’ll move your LGFCU-scheduled transactions to Civic in June 2025. We’re working right now to make sure your accounts have a smooth transition.

Civic members can get support from Civic staff at our 11 branches and our live, North Carolina-based representatives in the Civic Experience Center. You can call (24/7), text, email, and video chat with them. Plus, our Engagement Officers are traveling the state meeting with members in branches and at their workplaces. 

The same people who brought you LGFCU are committed to helping you as accounts move to Civic Credit Union.

We will be able to issue cashier's checks in a few ways. 

• Visit one of Civic’s 11 branches to get a cashier’s check.
• Request one through our Experience Center and we will send it through certified mail. If needed, expedited delivery is available, but may be subject to an additional fee.  
   

Civic offers digital notary services from the comfort of your own home for documents required for Civic loan applications.

Civic wires are conveniently submitted through your secured online banking login and will be available day one on the new platform in June 2025. If you would like more information on sending or receiving domestic wires, please contact the Civic Experience Center.

If you have a smartphone and you’re a Civic member, you can use the Civic app right now to deposit checks from wherever you are. If you have a question about a specific check deposit and check limits, call us at 844-772-4842.

Absolutely, you can still write paper checks and pay bills with checks. And you can use your mobile phone to deposit checks in the Civic app too.

We do not anticipate having coin sorters in Civic branches, but we’re considering options that can best serve members across the state.

Part of the money you deposit through the Civic app is generally available shortly after your deposit. Several things affect when your money becomes available, like the policies of each party's financial institution, your account history, account type and the amount deposited. On occasion, part of your deposit may take a few business days to clear.

If you have a loan with a fixed rate, the loan’s terms will remain as they are.

If you have an adjustable-rate mortgage (ARM), your mortgage’s terms will remain in place until the scheduled adjustment, and then the rate may go up or down, based on market conditions. If you have a loan with a variable rate, that rate may also change based on market conditions.
 

Yes, existing LGFCU loans, rates and terms will be transferred over to the new platform in 2025.

Yes, you’ll able to transfer funds between external financial institutions without a fee. 

You’ll have more options than ever for depositing and withdrawing cash. 

• Visit any of our 11 new branches or over 300 MoneyPass® surcharge-free ATMs across North Carolina for easy withdrawals and deposits 
• Plus, Civic members can continue to use SECU’s CashPoints® ATM network for withdrawals of up to $500.

Large cash withdrawals and deposit options will be offered through three expansive partner networks: 

• Co-Op Shared Branch credit unions, with more than 100 North Carolina locations 
• Use the MoneyPass® ATM network surcharge-free, for withdrawals at convenient retail locations in North Carolina. Some participating locations also offer deposit services. 
   

Civic’s 11 branches are scheduled to open in 2024, and members can visit our branches across the state to meet with staff in person. In addition, we’re also building a larger network of staff in the field to work directly with you on your needs.

Yes, we will! We're opening branches as Civic Credit Union throughout 2024. We will be in Ahoskie, Asheville, Charlotte, Durham, Greensboro, Greenville, Hickory, Lumberton, Murphy, Raleigh and Wilmington. These branches will give you the chance to experience Civic services firsthand and to meet our employees in person. The branch locations will be within 30 miles of 80% of LGFCU members. 

Yes. You can continue to use CashPoints® ATMs with no surcharge.

We will not be exclusively cloud-based. We will be primarily digital-first, using the robust technology platform of our partner credit union, Civic. 

We know some areas of the state have inadequate broadband. That’s one reason we opened 11 branches in some of the state’s affected areas. You can also call (24/7), text and email Civic’s Experience Center for assistance with your account activity.  

We’re also working with broadband advocates and organizations focused on expanding internet access.

You are still a member of this credit union, as you have always been. Separation only ends the agreement for SECU to manage account operations, and discontinues in-branch services for LGFCU members.

LGFCU’s partner credit union, Civic, has an updated and robust banking system that will enable us to conduct and process daily transactions. We’ll serve members on our own, offering traditional financial solutions you’re used to, plus some others that members have requested. And you’ll be served by a team of employees who have helped build LGFCU and who have always worked on your behalf.
 

Your credit union membership with LGFCU does not make you eligible for membership with SECU.

LGFCU and SECU have always operated under separate charters that legally define the specific fields of membership each can serve, and the eligibility requirements for joining each credit union.

• SECU serves state employees, teachers and their families
• LGFCU serves North Carolina local government employees and volunteers and their families, among other groups
• You can check the SECU website to see if you qualify for membership
   

We'll have many of the same products you've come to expect, plus several new, member-requested products. Many of these products are available right now through Civic. The list includes traditional savings, certificates and money markets, checking accounts and debit cards, IRAs, health savings accounts (HSAs), youth and teen savings accounts, rewards and classic credit cards, mortgages, home equity lines of credit (HELOC), auto loans, personal loans, personal lines of credit, emergency loans and credit builder loans. There is a suite of financial products available for small business and nonprofits as well.

Insurance policies through the Credit Union will continue to be in effect after we separate from SECU.

Yes. We're creating a money manager that will initially have expense tracking, transaction categorization, and reporting available. We will announce the features soon after launch, which is projected to be after June 2025.

Yes, Health Savings Accounts will still be offered. We are in contact with our members’ Human Resources and Benefits staffs to keep them updated on how these will be moved over.

Yes, right now Civic offers a YoungStar savings account for kids and a NextGen savings account for teens. Existing LGFCU youth accounts will be moved to Civic in June 2025.

Yes, mortgages and HELOCs aare available for Civic members right now. If you have an existing LGFCU mortgage of HELOC, we’ll move your account to Civic in June 2025.

Both LGFCU and Civic are committed to offering the best interest rates possible. That will continue with Civic even after separation. The ability for the credit union to offer competitive dividend rates is influenced by U.S. Treasury’s adjustment of interest rates. If the Fed increases rates, we can increase our rates. Our rates adjust up or down depending upon how the Treasury adjusts rates. Adjustments impact interest on loans and other investment products as well. Since we don’t know when adjustments will be made, members should take advantage of the great rates as quickly as possible.

Voice authentication technology uses your distinct voice to confirm your identity. Your voiceprint, as unique as your fingerprint, adds an extra layer of protection, preventing fraudulent attempts by potential impersonators. The technology will offer you immediate self-service options and a more seamless process when you call us.

Multifactor authentication is a process that requires you to provide more than one way to confirm your identity (like something you have, or something you know) to access your accounts. This helps prevent unauthorized access, even if a password or username is stolen or compromised.

Digital ID" is another way to verify your identity using the Civic mobile app. If you call us and can't provide your login details or other identifying information, we can send your app a push notification that requires your response.

• We use firewalls, intrusion detection systems, and other security technologies to protect our network and systems from external threats. 
• We conduct regular security assessments and audits to help identify potential vulnerabilities in our systems and processes, and to minimize risks. 
• Our staff regularly receives security awareness training to ensure they’re equipped with the knowledge and skills necessary to safeguard your account information. 
• Our incident response plans outline procedures for responding to security incidents and minimizing the impact on members.

All these measures work together to ensure your member account information is kept secure and confidential, and that Civic and LGFCU can detect and respond to security incidents promptly.