Credit union · NCUA insured
Civic Federal Credit Union Credit Card Rates
Civic Federal Credit Union credit cards start at 11.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Civic Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Civic Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Civic Federal Credit Union
11.25%APR
Classic Credit Card
Lowest rate
Carolina Cooperative FCU
8.90%APR
2nd-lowest rate
Lion's Share Federal Credit Union
8.90%APR
Civic Federal Credit Union credit card score
76
Credit card score
Higher than 42% of U.S. banks and credit unions
- Purchase APRPurchase APR11.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Civic Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Classic Credit Card
Civic membership required ($25 minimum deposit in Select Savings Account). Cardholders limited to one Classic Credit Card. Subject to approval; rate and credit limit based on credit history. Minimum monthly payment is 3% of outstanding balance or $25, whichever is greater. Individual loan amounts up to $30,000, joint accounts up to $60,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory rate of 0% APR on purchases and balance transfers for 6 months from date of account opening. After that, standard variable APR applies. |
| Ongoing | 11.25% | None | Standard variable APR for purchases applied to unpaid introductory balances, new purchases, and new balance transfers after the introductory period. Rate based on credit history. |
Sources (2)
- civicfcu.org/borrow/credit-cards/classic-credit-card
- civicfcu.org/borrow/credit-cards/credit-card-overview
All captured Oct 4, 2026
Rewards Credit Card
Civic membership required ($25 minimum deposit in Select Savings Account). Subject to approval; rate and credit limit evaluated based on member's credit history. Card may be secured with Civic Select Savings Account funds. Minimum monthly payment is 3% of outstanding balance or $25, whichever is greater. Loan amounts up to $30,000 for individuals, up to $60,000 for joint accounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Rate evaluated based on member's credit history and subject to change. No application, annual, or cash advance fees. |
Sources (2)
- civicfcu.org/borrow/credit-cards/credit-card-overview
- civicfcu.org/borrow/credit-cards/rewards-credit-card
All captured Oct 4, 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.