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
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.
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
- Dividends compounded monthly
- Detailed quarterly statements
- Can be linked to your share draft (checking) account and loan
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.
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
Looking for a new or used auto or motorcycle loan? Looking to
refinance existing loan you have with another financial
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
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
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.
Some improvements that qualify for the Mass Save Home loan
- 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
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
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%
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.
30 Year Fixed Rates - 100% Financing - No PMI - Available on
purchases and 90% LTV cash out.
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.
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
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
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.
To arrange direct deposit of your
Social Security and/or Social Security Supplemental
Income payments, call us at
Pensions and VA Payments
To arrange direct deposit of your VA or pension checks, call
your employer’s human resources department.