Your new products
Your new products
Civic is built for you – and we think you deserve even more. Check out products you know and love, plus new options to get more out of your membership.
Bonus Checking Active
Get all the flexibility life demands — designed to move at the speed of your life.
Make 20 debit card purchases each month and earn higher dividends
Use ATMs worldwide, with fees reimbursed
Get paid up to 3 days early with direct deposit
Affinity Debit Cards Active
Supporting your community couldn't be easier. Just use your Fire Debit Card how you normally would, and a percent of Civic's merchant fees will go toward programs sponsored by NC State Firefighters' Association.
- Make 20 debit card purchases each month to earn higher dividends
Receive your direct deposits up to 3 days earlier
Help support critical NCSFA programs
Coming soon: NCAR&EMS Debit Card for Rescue and EMS, and NCRPA Debit Card for Parks and Recreation staff and volunteers
NextGen Checking and Savings Active
Help for teens age 13 to 17 to grow their money and gain solid financial skills.
Practice spending with a debit card
Open an account with $25 or $5- Keep your cash! Pay no maintenance fees
YoungStar Savings Account Active
Great money skills that last a lifetime start with a savings account for children.
For children age 12 and younger to build up funds
A joint account with parent makes transfers easy 
Become an eligible Civic member for life
Select Savings Active
It’s more than a share savings account. It’s a savings engine.
- Achieve your goals with digital savings tools
Save with automatic deposits- Earn dividends on your deposits
Money Market Active
Step up your savings strategy: Get the best parts of a savings and checking account in one place.
- Get dividends that are compounded daily
- Receive direct deposits up to 3 days early
- Use checks as an additional way to access funds
Choice Certificates Active
LGFCU calls them Share Term Certificates. At Civic they’re Choice Certificates and offer steady savings on your terms so you can reach your goals.
- Enjoy higher dividends than standard savings accounts
Choose terms that match your financial goals- Lock in a great rate and reinvest earnings to save more
$1,250
The average amount in dividends members earn from certificate accounts held to maturity. (More earnings than with comparable financial institutions in 2023.)1
Roth IRA Active
Grow your savings by contributing your after-tax dollars with a Roth IRA.
- Your earnings are compounded daily and paid out monthly
- Withdraw your money tax- and penalty-free
- Ongoing contributions aren’t required
Traditional IRA Active
Invest in yourself. Your contributions grow tax-deferred, meaning you aren’t taxed on the earnings until your funds are disbursed.
- Open an account with just $25
Enjoy tax-deductible contributions 
Ongoing contributions aren’t required- Your earnings are compounded daily and paid out monthly
SEP IRA Active
The savings solution for small businesses and self-employed members.
- Save up to 25% of your salary
- Enjoy tax-deferred earnings
Your earnings are compounded daily and paid out monthly- Ongoing contributions aren’t required
Health Savings Account (HSA) Active
Save for the health services you need.
- Pay for qualified medical expenses
- Get tax-free deductions
- Unused funds roll over annually
- HSA debit card for eligible purchases only
Steady Save Active
Like your Holiday Cash Account but with more options. Save for any goal — a vacation, the holidays, your tax bill or more.
- Select one of two payout dates for funds
- Choose amount and frequency for automatic deposits
- Dividends compound daily and are paid monthly
Rewards Credit Card Active
Earn points on your purchases automatically.
- Get 1% back in rewards points on your purchases
- No cash advance, annual, or balance transfer fees
- Use your points for merchandise, travel perks, and more
Classic Credit Card Active
Aim high with our lowest rate credit card. Great for consolidating other high-interest credit cards.
- 0% APR on all purchases for 6 months
- No cash advance fees
0% APR on balance transfers for 6 months
Roadside assistance included with no extra enrollment needed
Emergency Loan Active
Things happen. When you need emergency cash, we’re here.
- Qualified borrowers can access up to $500
- Get a low fixed rate
- Short payment terms of up to 3 months
Credit Builder Loan Active
Rewrite your story or build up your credit profile. We’re here to help.
- We’ll pre-fund your account with an amount you choose
Make on-time payments to build your credit score- Establish credit and savings
Personal Loan Active
Borrow better for the planned and unexpected with fixed payments.
- Enjoy rates as low as 9.75% APR
- Use funds to cover unexpected expenses
Restructure your high-interest debt- Enjoy a vacation
$3,800
Average total interest savings over the life of the loan. Members also typically saw an average payment savings of about $65 per month in 2023.1
New Auto Loan Active
Drive easy with low rates and easy pre-approvals.
- Enjoy rates as low as 6.50% APR
- Get flexible payment options up to 96 months
- Pay off your loan early with no penalty
GAP+ Insurance available for purchase
$2,400
The average interest savings over the life of the auto loan. Members typically saw an average savings of $36 per month in 2023.1
Used Auto Loan Active
A loan that fits your budget so you can drive that "new to you" car home.
- Enjoy rates as low as 8.25% APR
- Get flexible terms up to 84 months
- Save time with quick and easy pre-approvals
- Refinance for a lower car payment
Personal Line of Credit Active
Unexpected expenses can throw off your budget. Access your money when you need it.
- Enjoy rates as low as 11.50% APR
- Take out money when you need to
- Consolidate your debt and manage cash flow
First-time Homebuyer Loan Active
Our First-Time Homebuyer Loan combines special financing and terms with flexible options.
- Get up to 97% financing and fewer upfront costs
For members who haven’t owned a home in three years (or ever!)- Private Mortgage Insurance (PMI) not required with down payment of 20% or more
- Special mortgage programs available
Fixed-Rate Mortgage Active
Settle into peace of mind with a consistent principal and interest payment.
- Build your home insurance and tax payments into your monthly payment
- Enjoy step-by-step support from a dedicated team
- VA and FHA loans available
- Mortgage grant available
Adjustable-Rate Mortgage (ARM) Active
A home loan that adjusts your rate after a period of either 5 or 10 years, depending on which ARM you choose.
- Enjoy a competitive initial interest rate
- Cap the amount your monthly payment may increase
- An ideal solution if you plan to sell or pay off the loan within a few years
- VA and FHA loans available
- Special mortgage program available1
Mortgage Refinance Active
Take control of your mortgage with a refinance.
- Lower your payment or interest rate
- Change your loan terms to better work for you
Get up to 97% in financing
Home Equity Line of Credit (HELOC) Active
Get the most out of your home loan.
- Pay for home improvements, education expenses, and more
- Access up to $250,000
- Get rates as low as 8.50% APR
Business Checking Active
Power up your business: Get 24/7 access to your accounts and management tools to help bring efficiencies to your business.
- Earn money on your balance
- Manage tasks and all your financial relationships from one place
Have 24/7 identity and theft protection
It's very refreshing to know that someone is interested in my success as equally as I am interested in my own success.
Nonprofit Checking Active
You're making an impact. Your checking account should too.
- Earn money on your balance
- Easily manage tasks and all your financial relationships
- 24/7 protection for your funds and data
With Civic, even a small nonprofit can have expert-level financial management. It's more than a bank. It's a trusted partner in our nonprofit journey.
Business Savings Active
Save money while you grow your business.
- Get high-yielding, competitive rates to earn more
- Make your surplus funds work harder
- Get unlimited transactions, no fees
Business Rewards Card Active
Earn points and get rewarded for your business expenses.
- Get 1% back in rewards points on your purchases
- 24/7 identity theft and fraud protection
- No annual, application or transfer fees
Business Choice Certificates Active
Invest with a Business Choice Certificate, sometimes called a certificate of deposit or CD, to achieve your goals.
Invest to make business funds work harder- Select custom terms
- Choose a fixed term and enjoy compounding dividends
$27 MILLION
Total additional dividends earned across all members with certificates when held to maturity.1
Business Money Market Active
Boost your business savings with more ways to access your money.
- Get high dividend yields on your savings
- Transfer your money with no early penalties
- Use available funds for overdraft transfers
Nonprofit Money Market Active
Make the most impact by making the most of every dollar.
- Enjoy market-leading dividend yields on your savings
- Transfer your money with no early penalties
- Access your money anytime
Business Line of Credit Active
Get on-demand funding with the consistency of long-term planning.
- Get funding as you need it
Use your Civic account for advanced funds- Get support from a dedicated team
Real Estate Loan Active
Get real solutions for your commercial real estate financing.
- Pay off your loan early with no penalty
- Get amortization up to 30 years
Position your business for growth
Business Term Loan (Short/Long) Active
Get the business funding you need on your schedule.
- Flexible options to meet your needs
- Select payment terms on your time from 1-10 years
- Enjoy no pre-payment penalties
Explore all that Civic gives you
Your credit union is built for you, so we want you to have everything you need. Follow Civic where you are on Instagram, YouTube, LinkedIn, Facebook, or X (formerly Twitter). And we’ll be in your inbox to let you know as more products and services are added to the lineup!