Business Details
50+ Years
experience
Emergency
services
Your Trusted Credit Union in Norfolk, MA
Established in 1953, Norfolk Community Federal Credit Union has served as a not-for-profit, member-owned financial institution dedicated to the communities of Norfolk and surrounding Massachusetts regions. Our operations prioritize personalized service and community enrichment, rooted in the cooperative principles of mutual benefit and democratic governance. We offer a comprehensive range of financial products including checking and savings accounts, personal and auto loans, mortgages, and insurance services, all designed to meet the evolving needs of our members.With a focus on financial education and accessibility, we provide tools like mobile banking, 24/7 fraud monitoring, and partnerships for energy-efficient home improvements. Our commitment to transparency, member ownership, and reinvestment in local programs underscores our mission to prioritize people over profit, ensuring long-term value for our community.
Services
Checking Accounts
Savings Programs
Personal Loans
Mortgage Services
Insurance Products
Mobile Banking
ATM Access
Overdraft Protection
Energy Efficiency Loans
Credit Cards
Details
- Year established: 1953
Highlights and features
- We offer 70+ years of local financial expertise and community commitment.
- Our not-for-profit structure prioritizes member benefits over corporate profits.
- 24/7 fraud monitoring protects your accounts with automated transaction alerts.
- Personalized service from a credit union that understands local needs.
- Exclusive energy efficiency loans with 0% APR through Mass Save partnerships.
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Exceptional customer service
Competitive loan rates
Community-focused initiatives
Personalized financial solutions
Reliable local presence
Services
Personal Loans
Unsecured personal loans provide flexible financing for debt consolidation, home improvements, or unexpected expenses. Members benefit from competitive interest rates and no collateral requirements. Our streamlined application process ensures quick approval decisions to meet urgent financial needs.
Home Equity Loans
Borrow against your home's value with fixed-rate terms from 10-30 years. These loans offer amounts between $20,000-$125,000 for major expenses like college tuition or home renovations. Competitive rates reward homeowners with established equity.
Mortgage Services
Comprehensive mortgage solutions include fixed-rate, FHA, VA, and reverse mortgages. Partnering with Allanach Mortgage Group, we offer purchase and refinance options with terms up to 30 years. Special programs support first-time homebuyers with no application fees.
Savings Programs
Diverse savings options include regular shares, certificates, and specialty clubs. Members earn competitive dividends with minimum balances starting at $10. Holiday and vacation clubs help automate seasonal spending preparation through automatic transfers.
Mobile Banking
Access accounts 24/7 through secure mobile and online platforms. Features include bill payment, card management, and real-time transaction alerts. The free app enables balance checks, transfers, and account monitoring from any location.
Questions
What distinguishes a credit union from a bank?
Credit unions are not-for-profit cooperatives owned by members, while banks are for-profit corporations. We return earnings to members through better rates and lower fees.
How do I access my accounts after hours?
Use our 24/7 online banking portal or mobile app for balance checks, transfers, and bill payments. The drive-thru ATM provides cash access during non-business hours.
What loan options exist for poor credit?
Our Credit Builder Loans help establish or improve credit without income verification. These secured loans report to credit bureaus while building savings for future needs.
Can I get a mortgage with low down payment?
FHA loans require as little as 3.5% down payment. We also offer VA loans with 100% financing options for eligible veterans and service members.
How does the Mass Save energy loan work?
This 0% APR loan funds energy-efficient home improvements. Start with a Mass Save energy assessment, then apply through us for approved upgrades like insulation or HVAC systems.
What insurance products are available?
Through partnerships with American Income Life and TruStage, we offer life, health, auto, and home insurance products tailored to members' protection needs and budgets.
