Civic Credit Union
Verified rate book
Current Civic Credit Union rates
8 published offers verified as of August 19, 2026.
Mortgage rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| VA 30 Year Fixed - Conforming30 year fixed | 6.409% APR | 6.250% | — | Standard |
| FHA 30-Year Fixed - Conforming30 year fixed | 6.692% APR | 6.000% | — | Standard |
| 30-Year Fixed30 year fixed | 6.788% APR | 6.625% | — | Standard |
| VA 15 Year Fixed - Conforming15 year fixed | 6.136% APR | 5.875% | — | Standard |
| FHA 15 Year Fixed - Conforming15 year fixed | 6.435% APR | 5.750% | — | Standard |
| 15-Year Fixed15 year fixed | 6.514% APR | 6.250% | — | Standard |
| 5/1 ARM5 1 arm | 6.586% APR | 6.500% | — | Standard |
| 10/1 ARM10 1 arm | 6.705% APR | 6.625% | — | Standard |
As of August 19, 2026, Civic Credit Union offers a 30-year fixed mortgage at 6.409% APR.
Source: RateAPI.dev, verified from Civic Credit Union's official website
Live market position · Rates as of August 19, 2026
Where Civic Credit Union ranks in North Carolina
How Civic Credit Union's current published rate compares with other North Carolina credit unions we track in the same product. State best and median come from RateAPI's verified rate book; only products with enough tracked lenders to rank are shown.
| Product | Published APR | Position | Vs. state best | Vs. state median |
|---|---|---|---|---|
| 30-year fixed mortgage | 6.41% | Better than the North Carolina median | 34 bp from state best | 38 bp better than median |
This is the public snapshot. Claim Civic Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up.
See the full breakdown →Loading branch locator…
About Civic Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 349.8K
- Assets
- $3.2B
- Founded
- 1983
- Locations reported
- 12
- NCUA charter
- 24003
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
- Student scholarships
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Civic Credit Union
Membership eligibility from Civic Credit Union's own published criteria. How we verify this.
Membership via occupations (local government employees)
- Occupationlocal government employees
Verified from Civic Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Civic Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Civic Credit Union ranks against North Carolina peers.
Frequently Asked Questions
What rates does Civic Credit Union offer?
Civic Credit Union currently offers mortgage rates. The rates shown on this page were last verified August 19, 2026 directly from the credit union's official website.
How often are Civic Credit Union rates updated?
RateAPI verifies Civic Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 19, 2026.
Where does RateAPI get Civic Credit Union's rate data?
Rate data is collected directly from Civic Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Civic Credit Union's mortgage rate?
As of August 19, 2026, Civic Credit Union offers a 30-year fixed mortgage at 6.409% APR.
Related Rate Data
Compare Civic Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Civic Credit Union rates
Get a free API key to query these rates programmatically, or get the daily email when North Carolina credit union rates move.
Use it via API
Access this data programmatically with our REST API
# Get rates for Civic Credit Union
curl "https://api.rateapi.dev/credit-unions/north-carolina/civic" \
-H "Authorization: Bearer YOUR_API_KEY"