Credit union · NCUA insured
Civic Federal Credit Union CD Rates
Civic Federal Credit Union’s best CD rate is 4.40% APY on a 17-month share certificate (CD), with extra requirements. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Civic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Civic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Civic Federal Credit Union
4.30%APY
- Term
- 17 months
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000
- $615
Choice Certificate
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $500
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Choice Certificate
Up to 4.40%APY · 8 terms
Civic Select Savings Account required. Fixed-rate account; dividends are compounded monthly and paid monthly into Certificate or may be paid monthly into Civic Select Savings Account (which reduces dividend yield). Early termination fees apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 4.10% | $410 |
| 17 monthsPromotional Jumbo Choice Certificate | 4.30% | $615 |
| 17 monthsPromotional Jumbo Choice Certificate with Signature+ Checking account relationship | 4.40% | $629 |
| 18 months | 4.10% | $621 |
| 24 months | 4.20% | $858 |
| 36 months | 3.95% | $1,232 |
| 48 months | 4.00% | $1,699 |
| 60 months | 4.10% | $2,225 |
Sources (2)
All captured Sep 19, 2026
Choice Certificate
Up to 4.30%APY · 7 terms
Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months | 3.70% | $183 |
| 12–18 months | 4.00% | $400 |
| 17 monthsPromotional Choice Certificate | 4.20% | $600 |
| 17 monthsPromotional Choice Certificate with Signature+ Checking account relationship | 4.30% | $615 |
| 19–24 months | 4.10% | $657 |
| 25–36 months | 3.85% | $819 |
| 37–48 months | 3.90% | $1,252 |
| 49–60 months | 4.00% | $1,737 |
Special-purpose accounts
IRA Choice Certificate
Up to 4.10%APY · 7 terms
Must have a Civic IRA Savings Account and a Civic Select Savings Account. Available as Traditional IRA or Roth IRA. Fixed-rate account; monthly compounded dividends required to be reinvested into IRA Choice Certificate account. Early termination penalty applies (excluding Required Minimum Distributions).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.70% | $183 |
| 12 months | 4.00% | $400 |
| 18 months | 4.00% | $606 |
| 24 months | 4.10% | $837 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.90% | $1,654 |
| 60 months | 4.00% | $2,167 |
Sources (2)
All captured Sep 19, 2026
Who can join Civic Federal Credit Union
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.
Membership information collected October 4, 2026.