Today's rates from CIVIC
| Product | Rate | APR | Points | We read | Source | |
|---|---|---|---|---|---|---|
| 30 Year Fixed | 7.375% | 7.545% | — | Nov 2, 2026 | Visit | |
| 15 Year Fixed | 6.875% | 7.143% | — | Nov 2, 2026 | Visit | |
| 5 Year ARM | 7.375% | 7.102% | — | Nov 2, 2026 | Visit | |
| 10 Year ARM | 7.375% | 7.305% | — | Nov 2, 2026 | Visit | |
| FHA 30 Year Fixed | 6.375% | 7.075% | — | Nov 2, 2026 | Visit | |
| FHA 15 Year Fixed | 6.125% | 6.813% | — | Nov 2, 2026 | Visit | |
| VA 30 Year Fixed | 6.5% | 6.661% | — | Nov 2, 2026 | Visit | |
| VA 15 Year Fixed | 6.125% | 6.387% | — | Nov 2, 2026 | Visit |
Rate history
Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.
Collecting data — the trend chart appears after a few days of tracking.
Who can join CIVIC
Civic Federal Credit Union serves North Carolina local government employees, emergency service personnel, and their families. Additionally, anyone nationwide can join by becoming a 'Friend of the Civic Foundation' during the application process.
Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
Where CIVIC writes mortgages
CIVIC publishes mortgage lending in 5 states.
Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.
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