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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Civic Federal Credit Union Rates & Review April 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: April 18, 2026
Civic Federal Credit Union's Business Jumbo Choice CD 24 rates are at 4.20%, Jumbo Choice CD 24 rates are at 4.20%, 19-24 month Business Choice CD 24 rates are at 4.10%, Business Jumbo Choice CD 12 rates are at 4.10%, Business Jumbo Choice CD 18 rates are at 4.10%. Civic Federal Credit Union's savings rates are at 0.25%. Civic Federal Credit Union's money market rates are at 2.05%. Civic Federal Credit Union's Personal Loan Rates are at 9.38%. MonitorBankRates evaluates the financial stability of Civic Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.61%. Rates were last updated on 04/18/2026. 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
Civic Center 3600 Wake Forest Rd
https://www.civicfcu.org Raleigh, NC 27609 
Civic Federal Credit Union CD Rates
Civic Federal Credit Union Savings Rates
Civic Federal Credit Union Money Market Rates
Civic Federal Credit Union 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
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.civicfcu.org
Address
3600 Wake Forest Rd,
Raleigh, NC 27609
Phone
919-755-0534
Fax
919-755-0193
President
Jeanne Erwin
CEO
Dwayne Naylor
Full-Time Employees
0
Part-Time Employees
0
Branch Locations
0
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.61%
Return on Assets (ROA)
0.0926%
Return on Equity (ROE)
1.1818%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
123,575,581
Total Amount of Shares and Deposits
113,400,143
Total Shares and Deposits < 1 Year
104,161,676
Total Shares and Deposits 1 3 Years
6,057,648
Total Shares and Deposits > 3 Years
3,180,819
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
37,523,782
Total Uninsured Shares and Deposits > $250K (F+J)
37,523,782
Total Insured Shares and Deposits > $250K (item 17 less item K)
75,876,361
Total Interest Expense (Sum of items 6 8)
841,393
Share Certificates
845
Number of Accounts for Share Drafts
3,429
Number of Accounts for Regular Shares
7,254
Net Income (unless the amount is already included in Undivided Earnings)
114,371
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,877,818
Total Liabilities
114,062,992
Source: NCUA — Last Updated 03/31/2024
Frequently Asked Questions About Civic Federal Credit UnionIs Civic Federal Credit Union a safe place to deposit money?Yes, Civic Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 10.605482602248%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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.civicfcu.org. Current Civic Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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