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Civic Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 29, 2026
Civic Federal Credit Union's 19 - 24 Month Choice CD 24 rates are at 4.10%, 12 - 18 Month Choice CD 18 rates are at 4.00%, 49 - 60 Month Choice CD 60 rates are at 4.00%, 37 - 48 Month Choice CD 48 rates are at 3.90%, 25 - 36 Month Choice CD 36 rates are at 3.85%. Civic Federal Credit Union's savings rates are at 3.15%. Civic Federal Credit Union's money market rates are at 3.05%. Civic Federal Credit Union's checking rates are as high as 0.10%. Civic Federal Credit Union's 17 Month Promo Jumbo Choice Certificate 17 with Signature+ Checking rates are at 4.32%. Civic Federal Credit Union's Personal Loan Rates are as low as 4.22%. Civic Federal Credit Union's Credit Card Rates are at 11.25%. Civic Federal Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an F health rating. MonitorBankRates evaluates the financial stability of Civic Federal Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 75.00%. Rates last updated and verified on 10/29/2026. Civic Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Civic Federal Credit Union? Share your experience about Civic Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Civic Federal Credit Union. Civic Federal Credit Union
WFR Operations Centre 3600 Wake Forest Rd
https://www.lgfcu.org Raleigh, NC 27609-7309  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Civic Federal Credit Union CD Rates
Civic Federal Credit Union Business CD Rates
Civic Federal Credit Union Savings Rates
Civic Federal Credit Union Business Savings Rates
Civic Federal Credit Union Money Market Rates
Civic Federal Credit Union Business Money Market Rates
Civic Federal Credit Union Checking Rates
Civic Federal Credit Union Business Checking Rates
Civic Federal Credit Union Home Equity & HELOC
Civic Federal Credit Union Auto Loan Rates
Civic Federal Credit Union Credit Card Rates
Civic Federal Credit Union Personal Loan Rates
Civic Federal Credit Union Other Rates
Financial Health HistoryCivic Federal Credit Union’s Texas Ratio rose from 20.72% in Q3 2023 to 75.00% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.5 to 1.0 and its Health Grade from B to F. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Civic Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Civic Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Civic Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Civic Federal Credit Union
Website
https://www.lgfcu.org
Address
3600 Wake Forest Rd,
Raleigh, NC 27609-7309
Phone
919-755-0534
Fax
919-755-0193
President
Aaron Noble, Jr.
CEO
David D'Annunzio
Full-Time Employees
487
Part-Time Employees
0
Branch Locations
12
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (22/100)
Texas Ratio
75.00%
Return on Assets (ROA)
-1.5361%
Return on Equity (ROE)
-26.1700%
Non-Performing Loans Ratio (NPL)
6.27%
Total Assets
3,070,961,269
Total Amount of Shares and Deposits
2,558,765,271
Total Shares and Deposits < 1 Year
2,139,650,761
Total Shares and Deposits 1 3 Years
406,498,340
Total Shares and Deposits > 3 Years
12,616,170
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
230,421,241
Total Uninsured Shares and Deposits > $250K (F+J)
230,421,241
Total Insured Shares and Deposits > $250K (item 17 less item K)
2,328,344,030
Total Interest Expense (Sum of items 6 8)
43,412,002
Share Certificates
25,595
Number of Accounts for Share Drafts
173,243
IRA KEOGH Accounts
5,601
Number of Accounts for Regular Shares
297,325
All other shares
13,378
Non Member Deposits
16
Money Market Shares
21,431
Net Income (unless the amount is already included in Undivided Earnings)
-47,172,084
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Undercapitalized
Net Worth Classification if credit union is a new credit union
Moderately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
61,992,309
Total Liabilities
2,952,911,615
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Civic Federal Credit UnionDoes Civic Federal Credit Union offer CDs?Yes. Civic Federal Credit Union current CD rates include its 19 - 24 Month Choice CD 24 at 4.10% APY, its 12 - 18 Month Choice CD 18 at 4.00% APY and its 49 - 60 Month Choice CD 60 at 4.00% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Civic Federal Credit Union NCUA insured?Yes. Civic Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Civic Federal Credit Union?The highest Civic Federal Credit Union CD rate is its 17 Month Promo Jumbo Choice CD 17 at 4.30% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Civic Federal Credit Union offer?Civic Federal Credit Union CD rates are 3.70% APY for a 12 month CD, 4.00% APY for an 18 month CD, 4.10% APY for a 2 year CD, 3.85% APY for a 3 year CD, 3.90% APY for a 4 year CD and 4.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Civic Federal Credit Union for its full lineup. What is the highest savings rate at Civic Federal Credit Union?The highest Civic Federal Credit Union savings rate is its Health Savings Account (HSA) at 3.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Civic Federal Credit Union?The highest Civic Federal Credit Union money market rate is its Choice Money Market at 3.05% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Civic Federal Credit Union?The highest Civic Federal Credit Union checking rate is its Business Checking Account at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest mortgage rate at Civic Federal Credit Union?The lowest Civic Federal Credit Union mortgage rate is its 17 Month Promo Jumbo Choice Certificate 17 with Signature+ Checking at 4.318%, verified by MonitorBankRates as of October 29, 2026. What is the lowest auto loan rate at Civic Federal Credit Union?The lowest Civic Federal Credit Union auto loan rate is its Vehicle Loans - New Auto at 5.24% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Civic Federal Credit Union?The lowest Civic Federal Credit Union personal loan rate is its 17 Month Promo Choice Certificate 17 with Signature+ Checking at 4.22%, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Civic Federal Credit Union?The lowest Civic Federal Credit Union credit card APR is its Classic Credit Card at 11.25% APR, verified by MonitorBankRates as of October 29, 2026. How many branches does Civic Federal Credit Union operate?Civic Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Civic Federal Credit Union?Yes, to access services at Civic Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Civic Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Civic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Civic Federal Credit Union offer online and mobile banking?Most modern institutions like Civic Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lgfcu.org. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Civic Federal Credit Union rates compare?Civic Federal Credit Union's CD rates are 36% higher than the MonitorBankRates national average, and it has an F health rating. Civic Federal Credit Union's top rates are its 17 Month Promo Jumbo Choice CD 17 at 4.30% APY, its Health Savings Account (HSA) at 3.15% APY, its Choice Money Market at 3.05% APY, its Business Checking Account at 0.10% APY, its 17 Month Promo Jumbo Choice Certificate 17 with Signature+ Checking at 4.318%, its 17 Month Promo Choice Certificate 17 with Signature+ Checking at 4.22% APR and its Classic Credit Card at 11.25% APR, verified by MonitorBankRates on October 29, 2026. Current Civic Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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