Classic Credit Card

Couple looking at credit card
Classic Credit Card

Get the lowest rate possible

High rate credit cards have met their match

Save
SAVE

Get 0% APR* on all purchases for 6 months

Value
VALUE

Rates as low as

10.50% APR*
Transfer
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.

Classic Credit Card

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*
Classic Credit Card

Keep more of your money^

  • No application fees
  • No cash advance fees
  • No annual fees
Savings Features

Jumpstart your journey

  • $0 Fraud Liability#
  • 0% APR* on purchases for six months
  • 0% APR* on balance transfers for six months
Life Journey

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.

Rewards Credit Card

Earn unlimited rewards with every purchase

  • Cash back on all purchases
  • No annual fees
  • No balance transfer fees
learn more
Discover your success
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.

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.
Your voice matters
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.

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.
Other ways to Join
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.

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.]

Here are a few frequently asked questions:

View All FAQs

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.