Credit union · NCUA insured
Civic Federal Credit Union Savings Rates
Civic Federal Credit Union’s best savings rate is 2.05% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Civic Federal Credit Union’s savings 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
2.05%APY
- Requires
- None
- Minimum
- $250
- Earns on $10,000 a year
- $205
Money Market Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Civic Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.05%
- $10,000 balance$10,0002.05%
- $100,000 balance$100,0003.05%
- QualifiedQualified2.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Civic Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Choice Money Market Account
0.05%APY
Open with $250 or more. Accounts with balances under $50,000 are charged a $10 monthly fee. Dividends compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250Balances below $250 earn 0.00% APY with a $10 monthly fee. | 0.00% | — | Balances below $250 earn 0.00% APY with a $10 monthly fee. |
| $250 – $49,999Balances between $250 and $49,999 earn 0.05% APY with a $10 monthly fee. | 0.05% | $5 | Balances between $250 and $49,999 earn 0.05% APY with a $10 monthly fee. |
| $50,000 and upBalances of $50,000 or more earn 3.05% APY with $0 monthly fee. | 3.05% | — | Balances of $50,000 or more earn 3.05% APY with $0 monthly fee. |
Sources (1)
- civicfcu.org/bank/savings/choice-money-market-account · captured Sep 19, 2026
Money Market Account
2.05%APY
Open with $250 or more. Maintain a balance of at least $250 to earn dividends; $2 monthly service fee if balance is below $250 on the last day of the month. Dividends compounded daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum deposit of $250 to open account and earn dividends. $2 service fee each month balance is below $250.$250 and up | 2.05% | $205 | Minimum deposit of $250 to open account and earn dividends. $2 service fee each month balance is below $250. |
Sources (1)
- civicfcu.org/bank/savings/money-market-account · captured Sep 19, 2026
Select Savings Account
0.25%APY
Must be a Civic member. Minimum opening deposit $5. Monthly service fee of $1 if balance falls below $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and up$1 fee each month balance is below $5. Minimum balance to earn APY is $1.$1 and up | 0.25% | $25 | $1 fee each month balance is below $5. Minimum balance to earn APY is $1. |
Steady Save Savings Account
0.25%APY
Must be a Civic member. Automated savings account with distribution to Select Savings Account in March or October. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo maintenance fees. Minimum deposit of $1 to open account and earn dividends.Any balance | 0.25% | $25 | No maintenance fees. Minimum deposit of $1 to open account and earn dividends. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Health Savings Account (HSA)
3.15%APY
Must be covered by a High Deductible Health Plan (HDHP) and not enrolled in Medicare or claimed as a dependent on another person's tax return. Civic membership required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum deposit required to open.Any balance | 3.15% | $315 | No minimum deposit required to open. |
Sources (2)
All captured Sep 19, 2026
Individual Retirement Accounts (IRA)
3.00%APY
Civic membership required. Service fee of $1 each month balance is below $25 at statement date. Available as Roth IRA, Traditional IRA, or SEP IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceApplies to Roth IRA, Traditional IRA, and SEP IRA savings accounts. Service fee of $1 each month balance is below $25 at statement date.Any balance | 3.00% | $300 | Applies to Roth IRA, Traditional IRA, and SEP IRA savings accounts. Service fee of $1 each month balance is below $25 at statement date. |
NextGen Savings Account
0.40%APY
For teens ages 13 to 17. Automatically transitions to Select Savings Account at age 18. Service fee of $1 each month balance is below $5.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balance$1 fee each month balance falls below $5. No balance requirement to earn dividends.Any balance | 0.40% | $40 | $1 fee each month balance falls below $5. No balance requirement to earn dividends. |
Sources (2)
All captured Sep 19, 2026
YoungStar Savings Account
0.40%APY
For children age 12 or younger. Rolls up to NextGen Savings Account at age 13. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo maintenance fees. No balance requirement to earn dividends.Any balance | 0.40% | $40 | No maintenance fees. No balance requirement to earn dividends. |
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.