Loans and Lines of Credit

Apply for a Loan  |  Current Rates

Any-day Loan Special
Forgot to save for holiday expenses and/or charge too much on high interest rate credit cards?  Ask for an Any-day Loan Special to clean up the bills!  We are offering up to $5,000 at 9.9% APR for up to 36 months.  Call 301-918-3991 ext. 4 for details and watch for our postcard mailings.

Signature Loans
Your signature is as good as cash at NCFCU! These loans are designed to for your varying credit needs from home improvements and vacations to emergencies. If approved, we’ll deposit the loan check directly into your credit union checking or savings account. Fixed rates and flexible terms are available.

Home Equity Loans
Already own your home? It's time to put your equity to work. Make home improvements, consolidate bills, pay college tuition, take a family vacation—the possibilities are endless. And get great rates and a possible tax deduction! (Ask your tax advisor for details.)

We offer a home equity line of credit. Borrow up to 90% of your home’s equity or choose to borrow up to 80% for a slightly lower rate. Then, as you repay your loan, your available line of credit replenishes. It’s easy to calculate how much equity you have. Just subtract your current mortgage balance from the amount of your home’s appraisal.

Low closing costs, a low variable rate set by our board of directors and great personal service make the home equity line of credit a great way to borrow for all your needs! Ready to apply? Just give us a call or stop by the office to speak with one of our representatives. It’s easy!

Overdraft Protection
Overdraft protection is available on your share draft (checking) account, for your peace of mind. Overdraft protection helps protect you against having your checks returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. This is an unbeatable combination for managing your money.

Personal Lines of Credit
Now available at a reduced rate.