CHECKING

Share Draft/Checking
We offer a simple and easy to understand Share Draft (Checking) account to our members. Deposits can be made through payroll deduction, direct deposit and electronic funds transfer, with overdraft protection available (on approval).

• No monthly fee (with Direct Deposit)
• Unlimited check writing ability
• Debit Card/MasterCard
• Overdraft Protection options available


ATM/Debit MasterCard
Replace your checks with the convenience of plastic that withdraws directly from your checking account. Use at any location that displays a MasterCard logo for point-of-sale purchases, or at any ATM that displays the MasterCard or NYCE logos.
 

SAVINGS

Regular Shares
Our basic savings program. Each member is required to have a minimum balance of $10.00 (one share) in a regular share account to maintain their credit union membership.

- A share account with just a $10.00 minimum account balance entitles you to participate in all

  credit union products and services
- Dividends compounded monthly
- Detailed quarterly statements
- Can be linked to your share draft (checking) account and loan accounts for internal transfers


CLUB ACCOUNTS
 

Vacation Club

Save for those exciting getaways. Withdrawals can be made throughout the year to pay for your vacation excursions. Save for that special weekend getaway or second honeymoon, anniversary or big birthday bash, or budget your money for summer vacation.
 

Holiday Club

Smart spending starts with smart savings. Our Holiday Club account allows you to save all year long to make sure you’re prepared for the holidays. Your holiday clubs accounts funds will be are automatically transferred to your checking or savings account on November 1st. Don’t let the holidays sneak up this year - open your Holiday Club account today and shop for your loved ones without the stress.

• Choose an amount that suits your needs and budget
• Set aside money for holidays, vacation or other special events


Cerficates of Deposit (CDs)
CDs are a vehicle for risk-free savings and are ideal for people who do not need access to their funds during the investment period. Invest as little as $2,500. Choose how long you would like to invest, we offer  6, 12 and 24 month terms.

• Short investment terms
• Excellent dividend rates
• Minimum balance requirement $2,500.00
 

CONSUMER LOANS

Vehicle Loans

Looking for a new or used auto or motorcycle loan? Looking to refinance existing loan you have with another financial institution? Choose Norfolk Community FCU!

You asked for it and now you’ve got it! Your credit union now offers Motorcycle Loans! Additionally, we have lowered our rates on New & Used Automobile Loans. If you're in the market for a new or used vehicle, please consider your credit union for very competitive rates and easy application process. Check our rates page for more details!
 

Mass Save Home Loan
Interested in energy efficiency? You'll get zero interest from us.

Offered in partnership with Mass Save, a consortium of regional energy utilities and providers, the program provides the opportunity to make your way toward an energy efficient home. Through NCFCU, you can obtain a 0% APR loan to assist with the installation of qualified energy efficient home improvements.

To get started, contact Mass Save at 866-527-7283 to schedule a Home Energy Assessment. After you schedule an appointment, an energy efficiency expert will assess your home’s current energy and provide a custom list of recommended ways to make energy saving changes in your home. During the visit, you will also receive a Home Loan Intake Form, Program Steps, and the Minimum Standards and Requirements.
 

After the Home Energy Assessment is complete, the next step is to contact Norfolk Community FCU at (508) 528-3360 for pre-approval. From here you can decide what changes to implement and develop your own custom energy plan.
 

Qualifying Improvements
Some improvements that qualify for the Mass Save Home loan include:
- Attic, Wall, and Basement Insulation
- High Efficiency Heating Systems
- High Efficiency Domestic Hot Water Systems
- Solar Hot Water Systems
- Energy Star® Windows
- Energy Star Thermostats

Personal Loans

Your signature is the only security required. Use personal loans for bill consolidation, appliances, vacations, car repairs, weddings, medical bills or anything you need.
 

Overdraft Line of Credit
This is a line of credit which is attached to your checking account that will advance funds to cover an overdrawn check for those “oops moments”. This will save you the cost and embarrassment of a return check.
 

Home Equity Loans

Finance college tuition, home improvements and other large expenses. Consolidate your bills. Borrow from $20,000 up to $125,000 of appraised value of your home minus outstanding liens.

Real Estate Loans
Whether you're making your first home purchase, relocating or refinancing an existing mortgage to lower your rate, Norfolk Community Federal Credit Union's dedicated mortgage team is here to help you make the right financing decision.
 

First Mortgage fixed rates
- For loans up to $400,000
- LTV of less than 80%
- 1-4 Family owner-occupied
 

WE OFFER TERMS OF 10, 15, 20, 25 AND 30 YEARS
Purchase or Refinance, No Points, No Application Fees!
 

Government Sponsored Real Estate Loans
Norfolk Community FCU, thorough our partner Allanach Mortgage Group, is proud to offer our members Federally Secure Mortgage Programs - FHA, VA, Rural Housing, and Reverse Mortgages. There are several options for members looking to purchase or refinance and receive cash out. 96.5% and 100% financing available.

FHA/FHA 203K
Purchases or Refinances available for members with lower Fico scores and higher LTV's. Solid fixed rate loans. Also loan rehabilitation on new or current homes.

VA Mortgages
30 Year Fixed Rates - 100% Financing - No PMI - Available on purchases and 90% LTV cash out.

Reverse Mortgages
A valuable financial tool for seniors 62 and older. This mortgage option gives them the opportunity to increase their monthly cash flow so they may live their life to the fullest.
 

View Other Rates      Apply Now

Mortgage products offered in partnership with Allanach Mortgage Group.

Broker's licenses MA# MB6033, NH# 5616, CT# 7160, RI# 20051935LB
 

Skip a Loan Payment
You can now skip a loan payment each year and have extra cash in your pocket for spring break, summer vacation, holiday, or back to school needs. Postpone a payment and use the extra cash for shopping or traveling to see family and friends.
 

If your payment is normally paid through payroll deduction, your payment will be deposited to your savings account on the effected payroll date for the month you skip.
 

Please call us for more details and to learn how to apply at 508-528-3360 or via email at services@norfolkcommunityfcu.org.
 

Additional Services

Overdraft Protection
You can link your share savings account to your checking account, which would automatically withdrawn the funds needed to cover an overdrawn item, to save you the cost and embarrassment of a returned check. Additionally, we have an overdraft line of credit available, for more information, please view our Loan Products.
 

Payroll Deductions/Direct Deposit
Save time and earn a little additional interest with the convenience of direct deposit to your checking, savings, Vacation Club or Holiday Club. You may arrange for direct deposit of your paycheck, pension, Social Security payments, and VA payments.
 

Social Security
To arrange direct deposit of your Social Security and/or Social Security Supplemental Income payments, call us at 508-528-3360.
 

Pensions and VA Payments
To arrange direct deposit of your VA or pension checks, call your employer’s human resources department.

 

Free Notary Public Service