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.

Credit Builder (Easy) Loan

Ask us about our Credit Builder (Easy) Loan to help you build or rebuild your credit as you build up savings.

It’s uniquely designed to establish or restore credit while you build some savings for the future. There is no credit report pulled prior to the loan. No income verification required.  You just need to fill out the loan application.  

As your make your monthly payments we send a good report to the credit bureau. At the end of your loan term, you have rebuilt your credit and saved money!

Unsecured Loans

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.

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!

Skip-A-Pay Loan

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

Mass Save 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.

Some improvements that qualify for the Mass Save Home loan include:

  • Air Conditioning
  • 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

Online Loan Application

Utilize our online loan application to apply for the following:

Personal Loans
Joint Loans
Auto Loans
MasterCard Credit Cards
Mass Save Loans