Credit union · NCUA insured
Civic Federal Credit Union
A $3.2B credit union, the 155th largest of 4,329, headquartered in Raleigh, NC, with 349,847 members and 11 branches in North Carolina. Best rates: savings 2.05% APY.
Civic Federal Credit Union Carrot Score
81
Carrot Score
Higher than 54% of U.S. banks and credit unions
#21 of 38 in Charlotte, NC-SC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Civic Federal Credit Union
Chartered in 2018, Civic Federal Credit Union is a member-owned financial cooperative serving North Carolina local government employees, volunteers, businesses, and communities.
Following an origins lineage beginning in 1983 and a 2024 merger with LGFCU, the credit union operates 11 branch locations across North Carolina.
- Headquarters
- 3600 Wake Forest Rd, Raleigh, NC 27609-7309
- NCUA charter
- 24003
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Businesses owned by local government workers or businesses and nonprofit organizations that primarily service local government agencies are eligible for membership.
Military, government and schools
- Local government elected officials in North Carolina are eligible for membership.
- Current and retired employees of local government agencies (including full time, part time, seasonal, and contract employees) in North Carolina are eligible for membership.
- Volunteers for local government units in North Carolina are eligible for membership.
Family and household
- Family members of local government employees and retirees are eligible for membership.
Other ways
- Individuals outside the primary field of membership can qualify to join Civic by becoming a Friend of the Civic Foundation.
Cost to join
- All members are required to maintain a Savings / Select Savings Account with a minimum deposit of $25.
Branches
11 branches in North Carolina
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North Carolina
11 branches
Raleigh area · 1
- LGFCU WFR Operations CentreMain office3600 Wake Forest Rd, Raleigh, NC 27609Directions
Ahoskie area · 1
- Ahoskie1118 Academy St N, Ahoskie, NC 27910Directions
Asheville area · 1
- Asheville275 Smokey Park HWY, Asheville, NC 28806Directions
Charlotte area · 1
- Charlotte9605 N Tryon St Ste Q, Charlotte, NC 28262Directions
Durham area · 1
- Durham502 Rigsbee Ave, Ste 105, Durham, NC 27701Directions
Greensboro area · 1
- Greensboro1622 Stanley Rd, Suite 110, Greensboro, NC 27407Directions
Greenville area · 1
- Greenville703 Greenville Blvd SE, Ste 126, Greenville, NC 27858Directions
Hickory area · 1
- Hickory3020 S NC 127 Hwy, Hickory, NC 28602Directions
Lumberton area · 1
- Lumberton4400 Fayetteville Rd, Lumberton, NC 28358Directions
Murphy area · 1
- Murphy57 Valley River Ave, Murphy, NC 28906Directions
Wilmington area · 1
- Wilmington929 N Front St, Ste 150, Wilmington, NC 28401Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 5.87% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 6.27% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | -2.95% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $107 | $88 | — |
- CapitalNet worth ratio5.87%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late6.27%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets-2.95%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$107Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Civic Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.