Whether you work in local government, maintain the services we all depend on, or look out for your neighbors,
Civic is committed to serving you and your community.
civic
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Learn about the meaningful work we do from those who know us best

Jeanne Erwin & Ken Noland
Civic Chair & LGFCU Chair
Credit Union Board of Directors
civic Play
civic
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- Jeanne Erwin
Civic Chair & LGFCU Chair
Credit Union Board of Directors
Jeanne
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quote
I love the way that we serve our members. I love the way that we put our members first."
- Jeanne Erwin
Chair, Civic Board of Directors
civic More from Jeanne & Ken
Jeanne
Michelle
Wells
Executive Director
NC Recreation and Park Association
civic Play
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- Michelle Wells
Executive Director
NC Recreation and Park Association
Michelle
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quote
With many of our [NCRPA] members being younger, they’re looking for those easy solutions and even I, as an older person, I’m able to do it. And if I can do it, anybody can."
- Michelle Wells
civic More from Michelle
Michelle
Wayne
Rash
Register of Deeds
Caldwell County
civic Play
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quote

- Wayne Rash
Register of Deeds
Caldwell County
Wayne
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quote
There’s just so many things there that the credit union does to support local government, and it’s wonderful."
- Wayne Rash
civic More from Wayne
Wayne
Martin
Rohner
Executive Director, GABV
(Global Alliance for Banking on Values)
civic Read
civic
quote
Civic is an excellent example of an institution authentically committed to transform into an integrated values-based model. Throughout the history of the GABV, we have seen just how powerful this process can be. It can propel organizations to become financially resilient institutions that are able to deliver genuine positive change for their communities and the environment. It’s a journey that identifies and embeds inclusive values that act as a focus for existing and new co-workers alike. And it’s an approach that equips an institution for the future, at the forefront of progressive change in their community.”
- Martin Rohner
Executive Director, GABV
(Global Alliance for Banking on Values)
Martin
Martin
video modal
quote
We plan to work closely with our colleagues at Civic and LGFCU to share the rich experience that exists in network. We fully expect to learn from you, just as you will learn from your peers."
- Martin Rohner
civic More from Martin
Martin
Davie
Summey
Fire Chief
Cedar Mountain Fire Department
civic Play
civic
quote
- Davie Summey
Fire Chief
Cedar Mountain Fire Department
Davie
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quote
One of the great things about working with Civic is that you can tell they really care about not only the fire departments, but also the communities in which they serve."
- Davie Summey
civic More from Davie
Davie
quote
- Jeanne Erwin
Civic Chair & LGFCU Chair
Credit Union Board of Directors
Jeanne
video modal
quote
I love the way that we serve our members. I love the way that we put our members first."
- Jeanne Erwin
Chair, Civic Board of Directors
civic More from Jeanne & Ken
Jeanne
quote
- Michelle Wells
Executive Director
NC Recreation and Park Association
Michelle
video modal
quote
With many of our [NCRPA] members being younger, they’re looking for those easy solutions and even I, as an older person, I’m able to do it. And if I can do it, anybody can."
- Michelle Wells
civic More from Michelle
Michelle
quote

- Wayne Rash
Register of Deeds
Caldwell County
Wayne
video modal
quote
There’s just so many things there that the credit union does to support local government, and it’s wonderful."
- Wayne Rash
civic More from Wayne
Wayne
quote
Civic is an excellent example of an institution authentically committed to transform into an integrated values-based model. Throughout the history of the GABV, we have seen just how powerful this process can be. It can propel organizations to become financially resilient institutions that are able to deliver genuine positive change for their communities and the environment. It’s a journey that identifies and embeds inclusive values that act as a focus for existing and new co-workers alike. And it’s an approach that equips an institution for the future, at the forefront of progressive change in their community.”
- Martin Rohner
Executive Director, GABV
(Global Alliance for Banking on Values)
Martin
Martin
video modal
quote
We plan to work closely with our colleagues at Civic and LGFCU to share the rich experience that exists in network. We fully expect to learn from you, just as you will learn from your peers."
- Martin Rohner
civic More from Martin
Martin
quote
- Davie Summey
Fire Chief
Cedar Mountain Fire Department
Davie
video modal
quote
One of the great things about working with Civic is that you can tell they really care about not only the fire departments, but also the communities in which they serve."
- Davie Summey
civic More from Davie
Davie
Blue Line

Areas of Impact

Three Stars
Financial wellness
Helping members feel secure in their financial future.
Learn More
Star
Community investment
Working together to build vibrant communities.
Learn More
Star
Your credit union
Finance in service to members and all of North Carolina.
Learn More
Star

Did you know …

We have helped make nearly
185,000
members homeowners
HomeHomeHome
$327 MILLION
invested in the safety of North Carolinians
Home
Home
Returned nearly
$6 MILLION
to associations by donating half of our share of merchant fees

Financial Wellness

What keeps our members up at night? Worrying about money.
But when we dig deeper, we learn it’s not just about their money; they worry about their quality of life.
So we decided it’s not enough for us to just offer affordable products and services. Members need more from us, and since we’re their credit union, we show up. We give more and do more — because it’s the right thing to do.
That’s why we support members with a holistic model of financial wellness. It takes a wide lens to help them build better money habits — including setting goals and exploring the way to reach those goals. And it also takes a commitment from a whole credit union staff willing to help.
Here are some of the stories of members striving for financial wellness, because a BETTER QUALITY OF LIFE IS WITHIN REACH.
Certfiicate of Awesomness
Read
Anna's Story
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Read
Anna's Story
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DollarAnna, who opened a share term certificate
If there’s one thing we’ve learned, it’s that member conversations can surprise us.
And that was the result when Civic’s Chief Member Experience Officer Pete VanGraafeiland chatted with Civic member Alan B. in the summer of 2023.
“What started as a simple conversation with Pete helped influence my child to make a good financial decision,” Alan noted.
When Alan learned from Pete that the credit union’s Choice Certificates (also known as “CDs”) offered historic rates for Civic, he perked up. He and his daughter, 14-year-old Anna, had recently talked about “passive income.” Alan thought about opening his own certificate, but it was Anna who first jumped at the chance.
Anna worked hard at her summer job and had been considering what to do with her earnings. She quickly did the math and decided to open a certificate.
But Alan says Anna was a little disappointed when she learned she wouldn’t receive an actual “certificate.” The Civic team heard about Anna’s wish for tangible evidence of her smart savings plan, and created their own “unofficial certificate” to celebrate her decision.
“By creating this opportunity, you allowed my daughter and I to have a great conversation,” Alan said. “And now, the only problem is that my 20- and my 29-year-old children are asking why I didn’t tell them about Civic certificates.”
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quotequote
There is something so grounding about being a homeowner for me. Having a place to always return to, start traditions, and to display my personality, is affirming. There was always something temporary about renting and I never felt rooted. Homeownership is stability and freedom for me.
- Chamreece D., First-time homebuyer
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Blue line

Our impact by the numbers

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Mortgage
Savings
Disclaimer
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Members who originated a mortgage with LGFCU instead of financing elsewhere in 2023 saved an average of about $191* per month, equating to about
$66,000*
in interest savings over the life of the loan.
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$96 MILLION*
The total interest savings across all members over the life of the loan
* Based on external benchmarking. Rates were compared for LGFCU members who originated a mortgage between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with LGFCU. The interest savings was calculated on the full amortization of the loan being held to maturity.
$27 MILLION*
The total additional dividends earned across all members with Certificates when held to maturity
* Based on external benchmarking. Rates were compared for all members who opened an STC or Choice Certificate account between 01/01/23 and 10/31/23. The dividends they would have received with another financial institution were compared to the dividends they received with Local Government or Civic Federal Credit Unions. The estimated additional dividends assumes members hold the STCs to maturity.
Members who opened Share Term or Choice Certificates (also known as “CDs”) with the credit unions in 2023 will earn on average an additional
$1,250*
in dividends more than they would have earned with competitive financial institutions when those accounts are held to maturity.
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Savings
Disclaimer
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Auto
Loan
Savings
Disclaimer
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Members who originated an auto loan with the credit unions in 2023 had an average payment savings of about $36* per month, resulting in about
$2,400*
in interest savings over the life of the loan.
IconIconIconIcon
$25 MILLION*
The total interest savings across all members over the life of the loan
* Based on external benchmarking. Rates were compared for members who originated an auto loan between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with the credit unions. The interest savings was calculated on the full amortization of the loan being held to maturity.
$89 MILLION*
The total interest savings across all members
*Based on external benchmarking. Rates were compared for the credit union members who originated a personal loan between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with the credit unions. For closed-end loans, the interest savings was calculated on the full amortization of the loan being held to maturity. For open-end loans, the interest savings was calculated using the members average balance in 2023 and assuming an average lifecycle of four years.
Members who originated a personal loan with the credit unions in 2023 had an average payment savings of about $65 per month, with a total interest savings of around
$3,800*
over the life of the loan.
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Personal
Loans
Disclaimer
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Our impact by the numbers

Icon
Mortgage
Savings
Disclaimer
Icon
Members who originated a mortgage with LGFCU instead of financing elsewhere in 2023 saved an average of about $191* per month, equating to about
$66,000*
in interest savings over the life of the loan.
IconIconIconIcon
$96 MILLION*
The total interest savings across all members over the life of the loan
* Based on external benchmarking. Rates were compared for LGFCU members who originated a mortgage between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with LGFCU. The interest savings was calculated on the full amortization of the loan being held to maturity.
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Savings
Disclaimer
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$27 MILLION*
The total additional dividends earned across all members with Certificates when held to maturity
IconIconIconIcon
Members who opened Share Term or Choice Certificates (also known as “CDs”) with the credit unions in 2023 will earn on average an additional
$1,250*
in dividends more than they would have earned with competitive financial institutions when those accounts are held to maturity.
* Based on external benchmarking. Rates were compared for all members who opened an STC or Choice Certificate account between 01/01/23 and 10/31/23. The dividends they would have received with another financial institution were compared to the dividends they received with Local Government or Civic Federal Credit Unions. The estimated additional dividends assumes members hold the STCs to maturity.
Icon
Auto
Loan
Savings
Disclaimer
Icon
Members who originated an auto loan with the credit unions in 2023 had an average payment savings of about $36* per month, resulting in about
$2,400*
in interest savings over the life of the loan.
IconIconIconIcon
$25 MILLION*
The total interest savings across all members over the life of the loan
* Based on external benchmarking. Rates were compared for members who originated an auto loan between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with the credit unions. The interest savings was calculated on the full amortization of the loan being held to maturity.
Icon
Personal
Loans
Disclaimer
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$89 MILLION*
The total interest savings across all members
IconIconIconIcon
Members who originated a personal loan with the credit unions in 2023 had an average payment savings of about $65 per month, with a total interest savings of around
$3,800*
over the life of the loan.
*Based on external benchmarking. Rates were compared for the credit union members who originated a personal loan between 01/01/23 and 10/31/23. The interest rate they would have received with another financial institution was compared to the interest rate they received with the credit unions. For closed-end loans, the interest savings was calculated on the full amortization of the loan being held to maturity. For open-end loans, the interest savings was calculated using the members average balance in 2023 and assuming an average lifecycle of four years.

Small business testimonials

Star
Catherine M.
quote
With Civic, even a small nonprofit can have expert-level financial management. Their dedicated staff has been instrumental in ensuring that our finances are in order. From providing answers to our questions with ease to the seamless integration with QuickBooks, Civic has transformed our financial operations, allowing us to focus on our core mission of recovery support. Civic is more than a bank; it’s a trusted partner in our nonprofit journey.”
Catherine M.
- Catherine M.
Executive Director, Roots of Recovery
Rocco R.
quote
Civic is 100% customer-centric, and it’s been an awesome experience. And one thing I know from my dealings with Civic is that there’s always somebody there.”
Rocco R.
- Rocco R.
Owner, Bounce-To-You, LLC
Amelia S.
quote
I’ve never felt like I am just one of their account holders. I’ve always felt like this is a partnership, which is what I love. It's a conversation of how can I help you so that you can help me, and how can we grow together? The conversations that I have are just that, conversations, and it’s solely about anything and everything other than my banking per se. It’s very refreshing to know that someone is interested in my success as equally as I am interested in my own success.
Amelia S.
- Amelia S.
Owner, Amelia Irene Catering

Small business testimonials

Star
Catherine M.
quote
With Civic, even a small nonprofit can have expert-level financial management. Their dedicated staff has been instrumental in ensuring that our finances are in order. From providing answers to our questions with ease to the seamless integration with QuickBooks, Civic has transformed our financial operations, allowing us to focus on our core mission of recovery support. Civic is more than a bank; it’s a trusted partner in our nonprofit journey.”
- Catherine M.
Executive Director, Roots of Recovery
Catherine M.
Rocco R.
quote
Civic is 100% customer-centric, and it’s been an awesome experience. And one thing I know from my dealings with Civic is that there’s always somebody there.”
- Rocco R.
Owner, Bounce-To-You, LLC
Rocco R.
Amelia S.
quote
I’ve never felt like I am just one of their account holders. I’ve always felt like this is a partnership, which is what I love. It's a conversation of how can I help you so that you can help me, and how can we grow together? The conversations that I have are just that, conversations, and it’s solely about anything and everything other than my banking per se. It’s very refreshing to know that someone is interested in my success as equally as I am interested in my own success.
- Amelia S.
Owner, Amelia Irene Catering
Amelia S.

COMMUNITY INVESTMENT

It’s not enough to say our members are at the center of all we do — although they are. We’re pushing further, using finance to help build vibrant towns, cities, and counties across the state. We must be bold because our efforts are significant. We’re a different kind of financial cooperative — one making individual impacts while shifting systems to build a better world. Some may say we’re too ambitious, but we’re not targeting the status quo. We’re aiming for change.
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The financial inclusion story
Listen To The Story
LGFCU is a Community Development Financial Institution (CDFI), Community Development Credit Union (CDCU), and a Low-Income Designated Credit Union (LIDCU), which means we are dedicated to promoting financial inclusion through expanding access to financial services and opportunities to help bring people into the financial mainstream. Our certification as a CDFI distinguishes us within the finance environment as a socially responsible financial institution focusing on investing in underserved areas.
arow right
$222M
Loans in Persistent Poverty Counties (PPCs)
arow right
$2.3B
Loan portfolio in CDFI Target Markets,* which equates to more than 71% of our overall loan portfolio
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79%
First-time Homebuyer Loans made in CDFI Target Markets*
*Areas identified by the CDFI Fund within the organization’s service area that lack access to loans, equity investments, and/or financial services.
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We’re involved in member communities
Local government employees and their families are the heart of Civic and LGFCU membership. Our Membership Development team is on the go each day in local government units and member communities statewide.
Hear more about our impact in 2023.
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See the Impact
2,163
coordinating touch points and meetings with local government agencies, departments and hospitals
38
financial wellness seminars
110
orientations and benefit wellness fairs that informed local government employees
29
shred events
& 3
e-recycling events
that protect your personal information and our planet
94
conferences across the state that advocated for the credit union
99
promoting the credit union at community outreach efforts and events
UNC School of Government partnership
Local Government and Civic Federal Credit Unions’ long-standing partnership with the UNC School of Government builds on the credit unions’ mission to improve the lives of North Carolinians. The partnership enhances economic development in local communities, fosters leadership in public service, and provides professional development scholarships for local government professionals.
Hear more about our partnership from Dean Aimee Wall.
See the Impact
1,250+
scholarship recipients
$1 MILLION+
in scholarships awarded
536
Civic Fellows graduates
375
local government entities impacted
220+
projects funded across North Carolina
Civic Local Foundation
Changing North Carolina one heart at a time
Scholarship RecipientPurple Star
Civic Local Foundation serves as the philanthropic arm of our credit unions, awarding grants to North Carolina-based nonprofits addressing challenges in health care, housing, human services and hunger.
Since 2021, Civic Local Foundation has awarded 22 community grants totaling $550,000 to support North Carolina nonprofits focused on addressing needs in health care, housing, human services and hunger. Additionally, since the inception of the credit unions’ scholarship program, nearly $3 million dollars in scholarships have been awarded to credit union members attending professional development courses and higher education.
See the highlights for this year’s impact:
UP TO
$0
in grants annually
UP TO
$0
in scholarships annually
MORE THAN
$0
in employee donations
“As a Civic scholarship recipient, it is an honor and privilege to represent not only students but families of government employees. Being awarded such a large financial support acknowledges my hard work and dedication to school and community.
– Mikayla W. Student Scholarship Recipient of the Year 2023
quote
Scholarship RecipientPurple Star
Civic Local Foundation honored the people and organizations that inspired us in 2023. Take a moment to meet those who are moving North Carolina forward.
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View a recap from the Inspiration Celebration festivities
Supporting our partners and associations
For more than a decade, the credit unions have awarded scholarships to law enforcement professionals who might not otherwise have the means to participate.
North Carolina State University offers two key professional programs for local law enforcement leaders in the state.
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The Law Enforcement Executive Program
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The Administrative Officers Management Program
These programs help law enforcement professionals build their proficiency as managers of public service and as stewards of responsible protective services in our communities.

READ Jim's Testimonial

Jim Brunet

Associate Professor and Public Safety Leadership Initiative Director

Personal
Star
Affinity card program
check mark
One of the ways the credit unions gives back to its membership is through our custom debit card program, affiliated with some of our partner associations. With each purchase made using one of these affinity debit cards, we donate 50% of our share of net merchant fees directly to programs sponsored by these organizations.
North Carolina Association of Rescue & Emergency Medical Services (NCAR&EMS)
card
See Card
North Carolina State Firefighters’ Association (NCSFA)
card
See Card
North Carolina Recreation and Park Association (NCRPA)
card
See Card
North Carolina Association of Rescue & Emergency Medical Services (NCAR&EMS)
card
Close
LGFCU Local Government Federal Credit Union
Number of cardholders
0
Total paid since inception of program
$0
NCAR & EMS Affinity Debit Card Program
The credit union’s Debit Card for rescue and EMS enables us to donate to the North Carolina Association of Rescue & Emergency Medical Services (NCAR&EMS) every time card users make a purchase. This allows the credit union to help fund training, scholarship and benefits for NCAR&EMS members.
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When we started our business lending program nearly 20 years ago, we could not have imagined the credit union would one day become a lender of choice for volunteer fire departments across the state. To date, we have financed more than
$327M WORTH OF FIREFIGHTER GEAR, AND APPARATUS
along with the upgrade or construction of dozens of new fire stations. Departments across the state say financing with the credit union saves money for them and the communities they serve. Watch the video below to see how our work with the fire service means better outcomes for all North Carolinians.
Fire Truck
YOUR CREDIT UNION
Members told us their top needs include convenient access to accounts, competitive rates, and platform security. And as we make changes to stay ahead of the technology curve, we’ve elevated those priorities.
Even our members’ actions have told us that they’re ready to bank differently: In 2023, more than 83% of member transactions were completed outside the branch. That trend has encouraged us to offer more non-branch channels, increasing other options for reaching us, and reducing overall costs. The result is that members have more ways than ever to reach us, and we can offer better rates and products.
Part of our enhanced technology profile has resulted in fortified security practices and infrastructure, ensuring that members can confidently connect to our channels.
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Reach us in more ways than ever!
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Your credit union’s security practices exceed industry standards.
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Beyond the branch
0%
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of current transactions are non-branch (online, phone, app)
ATM
0%
Branch
0%
Call Center
0%
Digital
0%
Values & Sustainability
Civic partners with local governments across North Carolina, driven by an organizational focus on values and sustainability. Our vision of being an industry-leading credit union isn’t just about offering top tier products and services. We see a range of challenges faced by local governments across the state. Many of these become opportunities when we consider solutions like alternative energy, affordable housing, and community investments.
Civic is engaging, learning, and modeling the efforts required by a modern organization to be a leader in addressing these issues.
In 2023 the Civic solar array produced165 MWhs+(megawatt hours)
Civic headquarters in Raleigh, a LEED Gold-certified facility
one megawatt hour can…
  • Power the average American home for 1.2 months
  • Drive an electric vehicle 3,600 miles
  • Power 2 60-watt lightbulbs non-stop for a year
  • Toast 89,000 slices of bread
  • Run 2 modern refrigerators for a year
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165 megawatt hours can…
  • Power the average American home for 16.5 years
  • Drive an electric vehicle 594,000 miles
  • Power 330 60-watt lightbulbs non-stop for a year
  • Toast 14,685,000 slices of bread
  • Run 330 modern refrigerators for a year
U.S Green Building Council
bee 1
bee 2
bee 3
Beehives
2BEEHIVES
40,000+ bees per hive
2.5miles of pollination radius around Civic headquarters
The following strategic partners help Civic and LGFCU work toward our sustainability initiatives
NCSEA is the leading nonprofit organization driving public policy and market development for clean energy. NCSEA’s work enables clean energy jobs, economic opportunities, and affordable energy options for North Carolinians.
The Global Alliance for Banking on Values (GABV) is an international network of front-runner organizations and leaders in the banking industry using finance to serve people and the planet.
EarthShare NC inspires and provides opportunities for individuals and corporations to actively participate with our member nonprofits to create healthy and sustainable communities across North Carolina.
NC Forever is a unique coalition of businesses and nonprofit organizations that share a commitment to the conservation of our state's land and water resources.
Power Charger
0kg
of greenhouse gas emissions avoided from Civic EV charging stations
That’s like planting 325 trees and letting them grow for 10 years
0LBS
of waste diverted
0LBS
of compost donated to local community gardens and food shelters w/ gardens (102 garden partners)
0LBS
of CO2 avoided, which is equivalent to 1,224 miles not driven
Green Bin
Diversity, equity and inclusion (DEI)
Our differences make us stronger, and every staff member is welcomed as an individual contributor. Diversity, equity and inclusion (DEI) are baked into who we are and what we do, and we’re working to be better.

Our impact across the state

Local government employees and their families are the heart of Civic and LGFCU membership. Click through the map to learn how we’re changing lives and communities in every county of our great state.
civic
STATEWIDE IMPACT:
12,685kg
Greenhouse gases avoided through our Civic EV charging stations
$1M
in professional development scholarships to members attending classes at the UNC School of Government
$0
in community grants awarded to NC nonprofits since the creation of our Foundation
165 MWHs
produced by solar panels—enough to toast 14,685,000 slices of bread!
$222M
in loans within Persistent Poverty Counties
0
North Carolinians own homes today through our mortgage programs
0
staff volunteer hours, saving NC nonprofits nearly $21,000 in paid labor
$3M
in scholarships awarded since the beginning of all scholarship programs
$327M
in business loans to NC Volunteer Fire Departments since program inception

Our impact across the state

Local government employees and their families are the heart of Civic and LGFCU membership. Select from the list below to learn how we’re changing lives and communities in every county of our great state.
civic
STATEWIDE IMPACT:
12,685kg
Greenhouse gases avoided through our Civic EV charging stations
$1M
in professional development scholarships to members attending classes at the UNC School of Government
$0
in community grants awarded to NC nonprofits since the creation of our Foundation
165 MWHs
produced by solar panels—enough to toast 14,685,000 slices of bread!
$222M
in loans within Persistent Poverty Counties
0
North Carolinians own homes today through our mortgage programs
0
staff volunteer hours, saving NC nonprofits nearly $21,000 in paid labor
$3M
in scholarships awarded since the beginning of all scholarship programs
$327M
in business loans to NC Volunteer Fire Departments since program inception
Future Goals Header Image
Future goals
As a financial cooperative serving local governments and communities across North Carolina, we strive to lessen our environmental impact, learn from our members, and identify our role in preserving resources for future generations. We’re building a community of people united in an effort to make positive contributions for our communities, our neighbors, and the environment.
This is our vision
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Physical footprint across NC
LEARN MORE
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vision icon
Physical footprint across NC
What the future looks like:
CIVIC BRANCHES &
CO-LOCATIONS