Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 20 Jul 2026 |
| RSSD ID | 815398 |
| Address | 3600 Wake Forest Rd., Raleigh, NC 27609 Directions (Google Maps) |
| Website | www.civicfcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedThis lender's website blocked our automated reader on 2 Nov 2026 (we do not bypass bot protection), so we can't list its loan products, sizes or service area yet. That doesn't mean it lacks them. Check www.civicfcu.org or contact the lender directly.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.9 million in 5 awards from the U.S. Treasury's CDFI Fund, 2017–2022 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Financial Assistance | $740,000 |
| 2021 | CDFI Program, Financial Assistance | $625,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $714,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CIVIC (charter 24003). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $3.1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 336,107 (as of 30 Jun 2026) |
| Offices | 12 (as of 30 Jun 2026) |
Offices by state and county (12)
North Carolina (12 offices)
- Buncombe County (1): 275 Smokey Park Hwy, Asheville 28806
- Catawba County (1): 3020 S Nc 127 Hwy, Hickory 28602
- Cherokee County (1): 57 Valley River Ave, Murphy 28906
- Durham County (1): 502 Rigsbee Ave, Durham 27701
- Guilford County (1): 1622 Stanley Rd, Greensboro 27407
- Hertford County (1): 1118 Academy St N, Ahoskie 27910
- Mecklenburg County (1): 9605 N Tryon St Ste Q, Charlotte 28262
- New Hanover County (1): 929 N Front St, Wilmington 28401
- Pitt County (1): 703 Greenville Blvd SE, Greenville 27858
- Robeson County (1): 4400 Fayetteville Rd, Lumberton 28358
- Wake County (2): 3600 Wake Forest Rd, Raleigh 27609 (main office); 3600 Wake Forest Rd,, Raleigh 27609
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Civic Federal Credit Union (NCUA charter 24003, filed as “CIVIC”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $2.73 billion, 132,224 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 15.4% from $3.23 billion on 30 Jun 2025 |
| Members | 336,107 (as of 30 Jun 2026); 380,898 (as of 30 Jun 2025) |
| Loans per member | $8,137 (total loans divided by members, 30 Jun 2026) |
| Total assets | $3.07 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $80.9 million | 3.0% |
| Used vehicle loans | $218.3 million | 8.0% |
| First-lien home mortgages (1-4 family) | $1.57 billion | 57.5% |
| Other real estate loans (junior liens, other) | $295.8 million | 10.8% |
| Commercial (business) loans | $207.7 million | 7.6% |
| Credit cards | $109.7 million | 4.0% |
| Other unsecured loans | $249.2 million | 9.1% |
| Leases and other secured loans | $2 million | 0.1% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Civic Federal Credit Union reported 655 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $49.9M (median loan about $55,000). 54 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 54 | 8.2% |
| Refinance (incl. 279 cash-out) | 348 | 53% |
| Home improvement | 138 | 21% |
| Other purpose | 115 | 18% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 654 | 100% |
Included above: 566 home-equity or other open-end lines of credit; 27 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 90 counties with at least one; 98% of its 2025 loans were for properties in North Carolina:
- Wake County, NC (45)
- Mecklenburg County, NC (38)
- Johnston County, NC (28)
- Catawba County, NC (25)
- New Hanover County, NC (21)
- Brunswick County, NC (20)
- Iredell County, NC (19)
- Pitt County, NC (19)
Filed under LEI 549300SJTLYB6ZWKPR88 as “Civic FCU”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $3.07 billion | Larger than 100% of the 9 other certified credit unions in North Carolina (median $131.1 million). |
| Loans as a share of assets | 89% | Median of the same 9 credit unions: 68%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $3.23 billion → $2.73 billion (-15%) | Median change of 9 other certified credit unions in North Carolina: +2%. Rank by loans held among these 10: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 655 | More than 89% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in North Carolina | 9 | larger than 100% |
| Loans held then vs now | certified credit unions in North Carolina reporting both dates | 9 | rank 1 → 1 of 10 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 89% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Raleigh and North Carolina
- CAHEC Capital, Inc.Loan fund · Raleigh, NCAffordable housing development loansVerified
- Carolina Community Impact, Inc.Loan fund · Raleigh, NCOfficial list only
- Carolina Small Business Development Fund (The Support Center)Loan fund · Raleigh, NCMicroloans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Bragg Mutual FCUCredit union · Fayetteville, NCAuto / vehicle loansVerified
- Business Expansion Funding CorporationLoan fund · Charlotte, NCSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Cares Project, Inc., TheLoan fund · Winston Salem, NCAuto / vehicle loansVerified
Work at Civic Federal Credit Union? Link to this page
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