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Personal Banking

NCB offers personal banking deposit and lending products that are designed to meet all of your needs and fit your budget.  

 


 

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CHECKING ACCOUNTS

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SAVINGS ACCOUNTS

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MORTGAGES

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PERSONAL LOANS

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RETIREMENT ACCOUNTS

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BANKING SERVICES

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Personal Checking Accounts

NCB offers checking accounts to fit your lifestyle.  Whether you are looking for no minimum balance or an interest bearing account, we have a checking account to fit your needs. 

 

 

NCB Advantage Checking


Enjoy the many benefits of the Advantage Account. 

  • $25 minimum balance to open account
  • Direct deposit required
  • Interest bearing account
  • No monthly maintenance service charge 
  • 1st order of NCB basic checks are free
  • No minimum balance

 



 

Simply Free Checking


Get started with free checking and no minimum balance.

  • $25 minimum balance to open account
  • No minimum balance required
  • No monthly maintenance service charge

 



 

EZ Days Checking


Take advantage of the perks of this account for our customers 50 years of age and older.

  • $25 minimum balance to open account
  • Interest bearing account
  • Free NCB basic checks
  • Monthly maintenance service charge of $2.50 if daily account balance falls below $100 
  • Checking account for customers 50 years of age and older

 



 

Money Matters Checking


Enjoy a checking account designed for young adults who are just getting started.

  • $25 minimum balance to open account
  • Free 1st order of NCB mini pack checks
  • 4 free non-NCB ATM withdrawals per month
  • No monthly maintenance service charge 
  • Checking account for customers 16-25 years of age

 


 

Personal Savings Accounts

NCB makes saving easy.  Whether you are saving for your child's college tuition, a family vacation or for a rainy day, we have an account designed for your savings goals.


 

 

Statement Savings


A simple account to start saving today.

  • $25 minimum balance to open
  • Interest bearing account
  • Monthly maintenance service charge of $2.00 if daily account balance falls below $100

 



 

Money Market Account


A flexible account to boost your savings.

  • $25 minimum balance to open
  • Interest bearing account
  • Monthly maintenance service charge of $5.00 if daily account balance falls below $2,500

 



 

Money Matters Savings


Start children off with an account to teach them the benefits of saving.

  • $10 minimum balance to open account
  • Interest bearing account
  • No monthly maintenance service charge 
  • 4 free non-NCB ATM withdrawals per month
  • Savings account for customers 25 years of age and under

 



 

Holiday Club


Save a little each month for the holiday and gift-giving season.

  • $5 minimum balance to open account
  • Interest bearing account
  • No monthly maintenance service charge 

 



 

Certificate of Deposit


Enjoy flexible terms and guaranteed returns with a CD.

  • $500 minimum balance to open account
  • Terms available from six months to seven years

 


 

Mortgage Loans

Whether this is your first venture into home ownership or you are a seasoned pro, NCB is here every step of the way and wants to make home ownership work for you. 

 

 

Co-op Financing


NCB has over 35 years of experience lending to cooperative shareholders nationwide.  Whether you are purchasing your first home or refinancing an existing co-op, contact our co-op lending experts for your next mortgage.    

  • Low fixed and adjustable rate mortgages for purchases and refinances
  • Immediate online pre-qualification
  • Low closing costs
  • Cooperative expertise
  • Simple and secure online application
  • Cash out refinancing
  • Investor and second home refinancing

 



 

Single Family Mortgage


NCB has been financing single family home purchases for over 35 years.  From pre-qualification to closing, NCB is with you every step of the way.  

  • Low fixed and adjustable rate mortgages for purchases and refinances
  • Immediate online pre-qualification
  • Low closing costs
  • Up to 97% financing
  • Simple and secure online application
  • NCB grant opportunities for Ohio first time home buyers

 



 

Tenants In Common Financing


National Cooperative Bank continues to lead the way with pricing and products for TIC (Tenants In Common) loans in San Francisco. NCB has originated over $300 million in TIC financing since 2006.  

  • TIC loans are for San Francisco, CA properties only
  • Adjustable rate mortgages
  • Low closing costs
  • 80% loan to value on purchases and refinances
  • TIC expertise
  • Simple and secure online application

 



 

Home Equity Line of Credit


A home equity line of credit (HELOC) is revolving credit that allows you to borrow money as you need it with your home as collateral. 

  • Competitive low rates
  • Easy, ongoing access to funds
  • Low monthly payments
  • Convenient draws and repayment terms
  • Payment options that fit your needs
  • Potential tax advantages

 



 

Home Equity Loan


A home equity loan (HELOAN) lets you borrow a fixed amount, secured by the equity in your home, and receive your money in one lump sum.

  • Fixed interest rate
  • Fixed term
  • Fixed monthly payments
  • Potential tax advantages

 


 

Personal Loans

With a personal loan from NCB, you have fast access to money to purchase that dream car or consolidate debt. 


 

 

Auto Loans

  • Used to purchase or refinance an automobile or recreational vehicle (i.e. boat, camper, ATV)

 



 

Agricultural Loans

  • Use for the purchase or refinance of equipment
  • Lines of credits are available
  • Secured by agricultural assets or real estate

 



 

Secured Loans

  • Use savings, CDs, investments or other personal property as collateral
  • Use it to meet a one-time borrowing need or to consolidate debt

 



 

Unsecured Loans

  • Use it to meet a one-time borrowing need or to consolidate debt

 


 

Personal Retirement Accounts

Banking on tomorrow? Start planning today. NCB offers Individual Retirement Accounts (IRA) for your future comforts. Contact us today to start building your retirement savings with an IRA that’s right for you!


 

 

EZ IRA


Enjoy the benefits an IRA without a term.

  • Set up as a savings account
  • Minimum balance of $25

 



 

Traditional IRA


Save money for retirement and enjoy vital tax advantages.

  • Get started with as little as $500
  • Contributions may be tax-deductible
  • Earnings are not taxed until you withdraw the funds
  • IRA set up as a CD

 



 

Roth IRA


Keep more of what you make and make more on what you keep.

  • Get started with as little as $500
  • Earnings may grow tax-free
  • Qualified distributions are tax-free
  • IRA set up as a CD

 



 

IRA Rollover


Keep your employee plan working for you.

  • Rollover funds from your employer plan
  • Earnings may grow tax-deferred
  • You may be able to roll funds into another employer plan

 


 

Personal Banking Services

At NCB, we understand how busy life can be.  That is why we offer the convenience of banking on your time.


 

 

Online Banking


Enjoy the convenience of banking anytime, anywhere. 

  • Securely manage your accounts
  • Pay Bills
  • Create Custom Reports
  • Transfer Funds

 



 

eStatements


Access your loan and deposit statements on your time.

  • Efficient
  • Convenient
  • Safe and Secure
  • Eco Friendly

 



 

Check Re-orders


Order your bank checks at the convenience of your fingertips and they will be mailed to your door step.   

  • Safe and Secure
  • Convenient
  • Easy
  • Quick turnaround time


 

Financial Education Center


At NCB, we are committed to helping you pave a path toward a secure financial future.  To help you accomplish this, we have invested in an innovative adult financial education program at no cost to you.

  • 3-10 minute modules
  • Self-guided and flexible
  • Highly interactive
  • Tablet & mobile enabled


 

Payment Information


NCB offers a variety of methods for paying your loans. Please use the forms provided for more information.

  • Mail
  • ACH
  • Personal online banking
  • Credit and debit card (a $35 convenience fee will be charged)