Civic Federal Credit Union

Headquarters: Raleigh, North Carolina
Charter: Credit Union
Assets: $3.1B
Fed district: Richmond

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Essential Checking $1 · NextGen Teen Checking $1 · Signature+ Checking $6
Compared at $1, the middle of its prices
Civic Federal Credit Union: $1 to $6
Civic Federal Credit Union: $1 to $6
U.S. median: no median
Overdraft (OD)
Civic Federal Credit Union: $19
Civic Federal Credit Union: $19
U.S. median: no median
NSF / Returned Item
Civic Federal Credit Union: $25
Civic Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Civic Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Essential Checking Account maintenance fee$1
per month
NextGen Teen Checking Account maintenance fee$1
per month
Signature+ Checking Account maintenance fee$6
per month
Choice Money Market Account minimum balance fee$10
per month
IRA minimum balance fee$1
Not compared: CD/IRA fee
per month
Money Market Account minimum balance fee$2
per month
NextGen Teen Savings Account minimum balance fee$1
per month
Select Savings Account minimum balance fee$1
per month
Early Account closure fee (account closed within 120 days of opening)$25
Dormant Account$5
per month
Paper statements, printing and delivery$5

Overdraft & NSF

Overdraft coverage through Courtesy Pay service$19
per item
Non-sufficient funds$25
Overdraft transfer service$0.50
per item

ATM & Card

Debit card replacement, per card$8
per item
Rush debit card replacement$75
International transaction fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing domestic wire transfer$15
per item

Check Services

Official check$5
per item
Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment$25

Digital & Electronic

Expedited bill payment$20

Cash & Deposit

Returned deposit$10
per item

Account Services

Garnishment and levy fee$75
HELOC subordination request$250
Verification of deposit$10

Lending Fees

Late payment$20
Not compared: Monthly charge, not per item
per month
Late payment$10
Not compared: Monthly charge, not per item
per month
Late payment (audience not stated, treated as personal)4%
per month

Retirement & IRA

IRA Transfer Fee, transfers out to another institution$25

Other Fees

New loan documentation preparation$200

Fee	Amount	Basis	Note
Account Maintenance
Essential Checking Account maintenance fee	$1	per month	None
NextGen Teen Checking Account maintenance fee	$1	per month	None
Signature+ Checking Account maintenance fee	$6	per month	None
Choice Money Market Account minimum balance fee	$10	per month	None
IRA minimum balance fee	$1Not compared: CD/IRA fee	per month	None
Money Market Account minimum balance fee	$2	per month	None
NextGen Teen Savings Account minimum balance fee	$1	per month	None
Select Savings Account minimum balance fee	$1	per month	None
Early Account closure fee (account closed within 120 days of opening)	$25	Not stated	None
Dormant Account	$5	per month	None
Paper statements, printing and delivery	$5	Not stated	None
Overdraft & NSF
Overdraft coverage through Courtesy Pay service	$19	per item	None
Non-sufficient funds	$25	Not stated	None
Overdraft transfer service	$0.50	per item	None
ATM & Card
Debit card replacement, per card	$8	per item	None
Rush debit card replacement	$75	Not stated	None
International transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing domestic wire transfer	$15	per item	None
Check Services
Official check	$5	per item	None
Stop payment: All items including checks written, ACH transfers, Zelle® and bill payment	$25	Not stated	None
Digital & Electronic
Expedited bill payment	$20	Not stated	None
Cash & Deposit
Returned deposit	$10	per item	None
Account Services
Garnishment and levy fee	$75	Not stated	None
HELOC subordination request	$250	Not stated	None
Verification of deposit	$10	Not stated	None
Lending Fees
Late payment	$20Not compared: Monthly charge, not per item	per month	None
Late payment	$10Not compared: Monthly charge, not per item	per month	None
Late payment (audience not stated, treated as personal)	4%	per month	None
Retirement & IRA
IRA Transfer Fee, transfers out to another institution	$25	Not stated	None
Other Fees
New loan documentation preparation	$200	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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