No stored Google rating available.
Civic Federal Credit Union is a North Carolina-based credit union serving local government employees, retirees, families, and eligible organizations with savings accounts, loans, and digital banking.
Data compiled from public sources
Civic Federal Credit Union is a member-owned, not-for-profit credit union headquartered in North Carolina. Founded to serve the local government sector, Civic has expanded to serve employees and retirees of local government agencies, their family members, volunteers who service local government, and eligible businesses and nonprofit organizations. The credit union operates 11 physical branches across North Carolina including locations in Raleigh, Charlotte, Greensboro, Asheville, and Wilmington.
Civic offers a comprehensive suite of consumer financial products including savings accounts, money market accounts, share term certificates (earning up to 4.10% APY), personal loans, auto loans (as low as 4.99% APR), home equity lines of credit with no closing costs, and a rewards credit card. Members can access accounts through online banking, a mobile app, and in-person at branch locations. The credit union also provides remote check deposit, eStatements, and Zelle payment services.
Civic distinguishes itself through its focus on North Carolina's local government community and member savings claims. According to their website, personal loans originated in 2024 saved members approximately $0 in interest compared to other lenders, and certificate holders earned $0 more in dividends than competitive institutions. The credit union emphasizes accessibility with 24/7 phone support (844-772-4842) and weekday chat services, plus a membership advisory council of volunteer credit union members.
As a credit union, Civic operates as a not-for-profit cooperative owned by its members, meaning profits return to members through dividends rather than shareholders. The primary limitation is membership eligibility—the credit union primarily serves local government employees and their networks. A $25 minimum deposit is required to open a savings account, which is the mandatory account for membership. While Civic claims significant member savings, the actual dollar figures on their website display as $0, suggesting incomplete or unreported data.
This is state-level context for Credit Unions consumers in Raleigh, NC. It does not confirm that Civic or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Civic has a 11.1% response rate to consumer complaints, with 0% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Civic offers 14 services including Savings accounts with minimum $25 deposit, Money market accounts with higher dividends, Share term certificates (up to 4.10% APY), Personal loans, Auto loans (from 4.99% APR), and 9 more.
Civic has profile signals associated with Local government employees and their families in North Carolina seeking member-owned banking, North Carolina residents eligible through local government employment or volunteer service, Members prioritizing in-person branch access combined with digital banking options, Borrowers seeking auto loans or home equity products with rate claims to verify.
Key strengths: 11 physical branch locations across North Carolina for in-person banking access; Auto loans available as low as 4.99% APR with 90-day payment deferral option; Home equity lines of credit with zero closing costs. Areas to consider: Membership is restricted to local government employees, retirees, families, and eligible organizations—not open to general public; Minimum $25 deposit required for mandatory savings account.
In the Credit Unions category, comparable providers include Blue Flame Credit Union, Carolinas Telco Federal Credit Union, State Employees’ Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Civic Federal Credit Union is profile signals for North Carolina local government employees, retirees, and eligible family members seeking member-owned banking with rate claims to verify and branch access. The primary caveat is strict membership eligibility tied to local government employment—individuals outside this field of membership cannot join directly, though the credit union mentions alternative pathways. Verify eligibility before applying.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-05-01
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 20 reviews
Profile signals: Consumers in Charlotte, North Carolina looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider
Carolinas Telco Federal Credit Union is a member-owned financial institution serving North and South Carolina since 1934, offering comprehensive banking and lending services through eight branch locations.
Google rating from 146 reviews
Profile signals: North and South Carolina residents seeking personalized credit union banking with rate claims to verify, Vehicle buyers interested in listed lending for motorcycles, boats, ATVs, and RVs
Not-for-profit credit union serving North Carolina state employees and families with 260+ branches, offering checking, savings, mortgages, auto loans, and credit cards.
Google rating from 122 reviews
Profile signals: North Carolina state employees and their eligible family members seeking member-owned financial institution, Borrowers pursuing mortgages or auto loans who prioritize credit union rates over traditional bank products
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Civic and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.