Focused on you, every day.
Because your financial life is more than money. It is access, opportunity, and community strength where you live.
We bring people and technology together in North Carolina to help you build wealth, grow your small business, and accelerate local community programs.
We believe in the power of making a positive impact on people, families, and businesses. As a result, we focus on the following three core areas every day:
Our mission is people, not profits. It’s in our DNA. Civic Federal Credit Union is committed to helping local communities thrive.
We do this by serving local government through equitable lending, supporting local initiatives, and funding small business growth.
North Carolinians care about each other and have many programs focused on strengthening local cities and towns.
We work with local community leaders to help accelerate and support needed services in your neighborhood.
The people of North Carolina understand that environmental stewardship and economic growth go hand in hand.
We use values-based banking to drive sustainable, equitable, and social value across the state.
We use past success as a source of inspiration to push forward and do more.
Civic completed the LEED Certification program to demonstrate a commitment to sustainable building design and construction practices.
Renovation completed of former WCPS building.
Since its inception, Civic seeks to use both its platforms and resources to amplify local governments' work to serve communities.
Funded research to identify and remedy community issues.
Civic is working to redefine equitable access to financial opportunities for North Carolina residents and businesses.
Deposit and loan options are now available for consumer and business entities.
Challenges facing marginalized communities allow Civic to serve those that are underserved in new and innovative ways.
During the second year of the pandemic, we focused on serving the local public health and environmental needs of communities.
Civic headquarters transformed into a community vaccination site.
This level-two EV charger is for anyone to use and located in front of Civic’s Raleigh headquarters near the new community bus stop.
In partnership with LGFCU, this foundation will bridge local NC gaps for housing, health care, human services, and hunger to help create solutions.
Planet-friendly practices begin at our own doorstep. Our vision is to protect natural resources and to encourage communities statewide to do the same.
This 272-panel array will be equivalent to removing 15 gas powered cars being driven daily from our roads, 24 tons of waste being recycled instead of sitting in a landfill, and would have a similar effect to the environment as 82 acres of forest per annual EPA measurements.
Dual Membership with Civic and LGFCU
When we say family first, we mean it. A membership with our sister organization, Local Government FCU gives you more ways to earn, save, and grow your money. Both Credit Unions have a shared mission to serve you, how, when and where you want to be served.
Not only is our mission aligned, but our leadership is, too. Civic President Dwayne Naylor has recently been named to succeed Maurice Smith as the CEO of Civic and LGFCU.
As sister credit unions, we give you more options to cover all of your financial bases. With LGFCU you get branches throughout North Carolina. With Civic, secure, digital banking that you can access from anywhere. Keep it in the family and reach your financial goals with Civic and LGFCU.
What We Believe
The guiding principles of our Credit Union are rooted in respect, curiosity, and diversity. And our Core Values are integral to our culture and shape how we interact with everyone, both inside and outside of our organization.
Act with Integrity
Do the right thing even when no one else is looking
Respect and value all people, perspectives, and opinions
Never Quit Learning
Have a curious mind and commit to learning as a life-long pursuit
Make a Positive Impact
Create new opportunities that help others succeed
The foundation of our 2021-2023 strategic plan includes a focus on people, adherence to Civic’s guiding principles, and the acceleration of community impact programs.
Board of Directors
These top local government leaders oversee Civic’s efforts to help improve lives.
Dr. Aaron P. Noble Jr.Vice Chair
Ruth BarnesBoard Director
Paul MillerBoard Director
Tony BrownBoard Director
As a fiscal leader throughout the Triangle region, Ms. Jeanne Erwin brings deep municipal experience to her role as Chair. She holds the designation of Certified Public Accountant (CPA) and Certified Government Financial Manager (CGFM). Erwin served with the subscriber group that organized and chartered Civic FCU.
She has served North Carolina in leadership capacity for the City of Raleigh, Town of Chapel Hill, Durham Public Schools and Office of the State Auditor as Auditor, Accounting Manager/Director and Fiscal Manager. Her credit union experience includes serving on both the credit union Board and Supervisory Committees and earning the Certified Credit Union Board Member (CCUB) designation. Erwin earned a Bachelor of Science in Business Administration/Accounting from the University of North Carolina at Chapel Hill. She is also a member of the Association of Government Accountants (AGA) and has served in several roles including Senior Vice President and National Treasurer.
Dr. Aaron P. Noble Jr.Vice Chair
As a municipal leader, Dr. Noble brings a diverse range of professional services experience to his role as Vice Chairperson. In 2018, Noble served with the subscriber group that organized and chartered Civic FCU.
He has served as a credit union volunteer since 1997; the first, as a member of the LGFCU Northern Piedmont Advisory Council; and later, he served on the Loan Review Committee for several years prior to his appointment to the LGFCU Board of Directors in 2011. He served the City of Burlington for 32 years; a decade as the city’s first public information officer; and the remaining time as the human resources director. Noble earned a Bachelor of Science in Communications from Hampton University; a Master of Public Administration from the University of North Carolina at Chapel Hill; and a doctorate in education from North Carolina State University. He is a native of Burlington, North Carolina and also serves his community as a member of the Alamance Regional Advisory Board and the Alamance Community College Foundation Board of Directors. After retiring in 2019, he continues to work as a human resources consultant.
As a certified public accountant, Mr. Jones brings decades of executive leadership and fiscal experience to his role as Secretary. In 2018, Jones served with the subscriber group that organized and chartered Civic FCU. In addition to Civic FCU, Jones currently serves on the LGFCU Board of Directors where he began his service on the LGFCU Supervisory Committee.
In 1996, Jones was elected to the LGFCU Board of Directors; and has served in all of its Board officer positions including Chair. He holds the designation of Certified Public Accountant (CPA), and is a member of the North Carolina Association of CPAs and the American Institute of CPAs. Moreover, he is a former president of the North Carolina Local Government Investment Association and holds the CUNA designation of Volunteer Achievement Program (VAP). Jones earned a Bachelor of Science in Business Administration in Accounting from Appalachian State University. Jones is the retired Finance Director of the Town of Garner.
As a strategic leader and fiscal steward, Ms. Blue brings in-depth community and management knowledge to her role as Treasurer. In addition to her role with Civic, she currently serves on the LGFCU Board of Directors, a position she has held since 2012. Blue served with the subscriber group that organized and chartered Civic FCU in 2018.
Twelve years earlier, she began her local service career with the Eastern Sandhills Advisory Council. Blue is a native of Robeson County where she currently serves as County Manager. She earned a degree in accounting from the University of North Carolina at Pembroke and serves on the UNC Board of Governors for the University of North Carolina system as well as other Boards.
Ruth BarnesBoard Director
As a community engagement leader, Ms. Barnes brings keen experience about community engagement and empowerment to her role as Board of Director. She was elected to the LGFCU Board of Directors in 1989 and has served in all Board officer positions including Chair. She also served with the group of subscribers that organized and chartered Civic FCU.
Barnes is the current ambassador for the World Council of Credit Unions (WOCCU) and founder of the North Carolina Chapter of the Global Women’s Leadership Network (GWLN). She holds credit union designations from the CUNA Volunteer Achievement Program (VAP), and is a Certified Credit Union Board Member (CCUB). Barnes is also an active member of the African American Credit Union Coalition (AACUC) and INCLUSIV. She is a graduate of Hardbargers Business College and North Carolina State University and is a past Finance Director and Information Systems Officer for the Wake County ABC Board (retired). She is also a former commissioner for the Atlantic Beach Town Council. Barnes has been assisting local government and residential audiences with their real estate needs since 1978. She currently serves her community as a licensed REALTOR® and holds the designations of Accredited Buyers Representative (ABR) and Graduate of the REALTOR® Institute (GRI).
Paul MillerBoard Director
As an accomplished executive in the private sector and with state and local governments, Mr. Miller brings decades of experience to his role as Board of Director. Miller served with the subscriber group that organized and chartered Civic FCU and served as Vice Chairman of the inaugural Board.
Miller is a former executive director of the North Carolina State Firefighters’ Association; a position he held for 23 years, and worked toward since he began work in 1990 as the Assistant Executive Secretary. Since retirement in 2013, he currently serves as the Executive Director Emeritus.
Miller also worked for the North Carolina Office of Emergency Medical Services as a regional coordinator and the Community College System as the Emergency Services Coordinator for James Sprunt Community College. He began his service with credit unions in 1999 by serving on the LGFCU Eastern Carolina Advisory Council. He joined the LGFCU Board of Directors in 2000 and has served as Chairman.
Miller served many years on the Snow Hill Town Board and one term as a Greene County Commissioner. Additionally, he worked for 22 years in a private family business in his hometown of Snow Hill, North Carolina. Miller earned a BA in Political Science from North Carolina State University. He is married and has three children and seven grandchildren. Paul and his family are members of the Snow Hill Presbyterian Church.
Tony BrownBoard Director
With 28 years of local government experience, Tony Brown brings a wealth of knowledge to his role on the Civic Board of Directors. He is retired from Halifax County as County Manager, and currently serves on the county’s Economic Development Commission and Human Relations Commission. Brown also sits on the board of the Halifax County Convention and Visitors Bureau.
Brown began his Credit Union service in 1998 as a member of the Roanoke River Advisory Council. In addition to his service on the Civic Board of Directors, he is also a Board Director for Local Government Federal Credit Union. In 2020, Brown was appointed by N.C. Governor Roy Cooper to serve on the North Carolina Local Governmental Employees’ Retirement System Board of Trustees.
A graduate of the University of North Carolina-Pembroke, Brown also served four years’ active duty in the U.S. Air Force, and was an active member of the Air Force Reserves.
"We look forward to having you join us at the start of this journey that will mean so much for the hardworking, dedicated people who make up North Carolina's local government community."
A passionate credit union advocate, Dwayne Naylor has worked in the credit union industry for more than 25 years. His focus on the "triple bottom line" — a sustainable enterprise that delivers economic, social and environmental benefits — is what drives the Civic commitment to people, planet and prosperity.
Naylor earned a Global MBA from the Fuqua School of Business at Duke University and a Bachelor of Science from East Carolina University. He is a 2015 graduate of ABA Stonier Graduate School of Banking at the University of Pennsylvania, Wharton. He has earned the Credit Union Development Educator (CUDE) designation and is a Certified Chief Executive.
Naylor has two children, is married to his best friend, and enjoys reading in his spare time.
“It is such an honor to serve those who serve — the public servants of North Carolina are truly amazing people and inspire me every day. I’m excited to see what we’ll build together at Civic as we seek to improve the lives of our members and their communities.”
Mark Caverly has been a credit union advocate for more than 25 years, starting when he joined Local Government Federal Credit Union (LGFCU) as a financial analyst. Since then, he has moved through the organization in various roles before becoming Executive Vice President of both Civic and Local Government Federal Credit Unions.
Caverly has demonstrated a strong commitment to the North Carolina local government community, currently serving on the Board for the University of North Carolina School of Government Foundation.
He also serves on the Board of Directors for the Carolinas Credit Union League, currently holding the office of Board Chairman, and is a past Board Chairman for the Carolinas Credit Union Foundation.
He holds a Master of Business Administration degree from the Duke University Fuqua School of Business, where he was recognized as a Fuqua Scholar, and received his bachelor’s degree in accounting from Indiana University. He has also earned the Credit Union Development Educator certification from the National Credit Union Foundation.
Caverly enjoys spending time with his wife and three daughters, traveling to experience new cultures, and getaways to the North Carolina coast.
"Civic is excited to serve those who serve North Carolina. As you work tirelessly to smooth the paths of fellow North Carolinians, Civic is prepared and ready to smooth your financial path. We are here for you!"
Garland Avent is Chief Financial Officer (CFO) of Civic Federal Credit Union. As CFO, Avent is responsible for oversight of the Finance and Accounting functions of Civic. He also participates in the development of the Credit Union's annual financial plan, leads the Asset-Liability Management Committee efforts, and functions as the primary regulatory contact at Civic.
Avent has a Bachelor of Business Administration from North Carolina Central University, is a Certified Public Accountant, Certified Financial Planner®, holds several insurance licenses and previously held five NASD/FINRA licenses.
In his spare time, Avent likes to travel, read and experience new adventures. He resides in Wake Forest with his wife and has three children.
"Everything at Civic must be easy to understand and easy to explain. We're trying to take the complications out of banking."
A native North Carolinian, Sherry Bear is a diehard Tarheels fan, "But," she says, "the excitement of watching the Heels is a close second to the excitement I feel about Civic helping our members."
Bear, the senior vice president of operations at Civic, has been in the credit union industry for about 34 years, holds a bachelor's degree in the Science of Industrial Relations and is also a Certified Public Accountant.
Asked about the operations side of Civic, Bear says, "Our staff is enthusiastic about developing products and services that will benefit members in their everyday lives. And we support the backbone of the organization to make sure transactions flow timely and error free."
When not working, Bear enjoys reading and traveling with her husband.
"We have the ability to build exactly what the members have asked for."
As the senior vice president of lending, Neal Chaloupka says his team's focus has been to develop great financial products for consumers, businesses and nonprofits.
"All our products are designed to maximize value for our members. In particular, Civic offers complete small business services for members who have been overlooked or underserved."
Chaloupka notes that Civic is a unique Credit Union built to meet the needs of members who want a digital-first experience.
"Members never need to go into a branch, but our help is just a phone call, a chat session, or an email away. We support members based on what they need."
A financial services professional for more than 25 years, Chaloupka has an undergraduate degree in finance from the University of Wisconsin at Milwaukee and earned his master's degree from Nova Southeastern University.
He is married and enjoys traveling in his free time.
"The vibe at Civic is like nothing I've felt before. The response from our members, the commitment of our staff and the possibilities that greet us every day — it all just inspires me."
Lamar Heyward has more than 25 years' experience in marketing, 15 of which have been in the credit union industry. He says his background in marketing, innovation and strategy culminate in his role at the helm of the Marketing Department at Civic.
Heyward says his participation in the highly-regarded Filene i3 program for innovation has helped him develop many of the marketing themes behind Civic.
"The i3 program is a framework for thinking, for forming those 'what if' ideas that seem almost inconceivable — and then trying to work them through to implementation."
Heyward notes that his daily motivation kicks up a few notches when he and his team define ideas that will help Civic members.
"We built a Credit Union with products and services that members labeled as 'needs,' 'wants' and 'love-to-haves.' As former NFL coach Jimmie Johnson says, 'The difference between ordinary and extraordinary is that little extra.'"
A veteran of the United States Air Force, Heyward earned his Bachelor of Arts in Communications with an emphasis on digital media from North Carolina State University.
Heyward enjoys spending time with his family.
“As Civic staff members, we take pride in living our mission — serving local government units, employees, family members and volunteers, to improve their lives and the communities in which they live and serve. That pride is demonstrated every day through our Core Values, which we hold dear and aspire to live by in serving our members.”
Don Larsen has more than 30 years of human resources experience across a multitude of industries including legal, engineering, software development, hospitality and financial services. He currently serves as the Chief Human Resources Officer of Civic and Local Government Federal Credit Union (LGFCU).
Additionally, Larsen is an Executive Committee member for the Credit Union National Association HR & Organizational Development Council, as well as being Chair of its Engagement Committee, and Co-Chair of its Conference Committee. He is an active member of the Forbes Human Resources Council and serves as a voluntary Board Director for the Nathan Leaf Foundation for Patient Advocacy.
Larsen has a Bachelor of Business Administration degree in Human Resources Management from Georgia Southern University and a Master of Business Administration degree.
He holds several professional certifications including the Senior Professional in Human Resources, Credit Union HR Compliance Professional, and Strategic HR Business Partner, and he is certified in Human Resources Project Management.
Larsen enjoys spending time with his wife, three adult children and two sons-in-law. When he can find the time, he enjoys playing golf and is a culinary aficionado (which really means he likes to cook and eat).
“People over profit, service over position. That’s what it means to be Civic-minded and why I’m incredibly proud to be part of a team that works with unparalleled integrity, intentionality and passion for all within North Carolina’s local government community.”
Dayatra “Day” Matthews joined LGFCU in 2012 as Senior Vice President of Legal and Compliance and was named Chief Legal Officer/General Counsel in 2021. Prior to joining LGFCU, Matthews was a partner in the Raleigh law firm of Bailey & Dixon LLP.
As Chief Legal Officer at Civic and LGFCU, she oversees all legal, compliance and risk functions and provides guidance to Executive Management and the Board of Directors on matters related to corporate governance.
Matthews graduated Phi Beta Kappa from the University of North Carolina at Chapel Hill with a Bachelor of Arts degree in political science and obtained her Juris Doctorate from Duke University School of Law.
Currently, Matthews serves as a Credit Union National Association Board of Director Class C – Nationwide and as executive leadership for the North Carolina Sister Society of Global Women’s Leadership Network. In 2022, Matthews was named one of North Carolina’s Legal Elite by Business North Carolina magazine.
Matthews is Immediate Past President of the 10th Judicial District Bar and a past President of the North Carolina Association of Defense Attorneys and its Political Action Committee. She is a former Board member of EarthShare North Carolina; former Board member and Grievance Committee Chair of the Wake County Bar Association; past President of the Capital City Lawyers’ Association; and former Board member of Movement of Youth, a Durham-based nonprofit with the mission to prepare diverse youth to lead and succeed in the 21st century.
Matthews lives in Wake Forest with her husband and son. In her free time, she enjoys playing tennis, working out, and watching her beloved Tar Heels play basketball.
“Civic was created to provide the best, most convenient services to the people who keep North Carolina communities strong. Serving them, and the communities where they live and work, is why we are here.”
Ashley Ruffin serves as Chief Impact Officer of both Civic and Local Government Federal Credit Unions (LGFCU). She joined LGFCU in 2002 as a Membership Development Officer, and later served as Senior Vice President of Marketing and Chief Strategy Officer.
Ruffin is a lifelong resident of North Carolina. Prior to joining LGFCU, she worked as the Human Resources Director for both the Town of Morrisville and the City of Sanford.
She holds a Bachelor of Arts degree in political science, a Bachelor of Science degree in administration of criminal justice from the University of North Carolina at Chapel Hill, and a Master of Public Administration degree from North Carolina State University. She is a Credit Union Development Educator and has completed various management certification programs through the Credit Union National Association and the UNC School of Government.
In her spare time, Ashley enjoys reading, kayaking, spending time with her family, and keeping up with their Boykin Spaniel pup.
“Civic represents a phenomenal opportunity to offer our members something unique and exceptional, tailored just for them and in response to what they ask for. We want to be YOUR Credit Union in every way!"
As the Chief Technology Officer of both Civic and Local Government Federal Credit Unions, Sandy Steward has made her team’s focus figuring out the future while meeting the technology needs of today.
She began her technology career in 1998, serving in the United States Navy as an Aviation Electronics Technician. Today, she is a 17-year veteran of the credit union industry holding a Bachelor of Science degree in computer information systems from Saint Leo University, and a Master of Science degree from the Florida Institute of Technology.
She has received certification from the Management and Leadership Institute offered by the National Association of Federally Insured Credit Unions.
Steward says, "The technology team goes beyond meeting the internal technology needs of the Credit Union. We work to identify and implement solutions that make it easy for our members to do business with us."
When not working, Sandy enjoys going to the movies, traveling — specifically cruising — and spending time with family.
"The entire Civic staff, as well as our members, are all part of an initiative to trailblaze the future of financial services."
As a 20-year veteran of the credit union industry, Pete VanGraafeiland received his undergraduate degree in Business Administration with a management concentration from Elon University, and earned a master's degree in Corporate Finance from Campbell University. He is also a Credit Union Certified Executive.
VanGraafeiland says the member services team, "has the privilege of interacting and assisting our members with any of their financial needs."
VanGraafeiland is married and has three young sons. He enjoys playing tennis and golf, and spending time with his family.
This team works to serve more people and organizations from virtually anywhere. They prioritize people, purpose, and the planet.