Community Reinvestment Act
Our Commitment to Community Impact
At NCF Savings Bank, our mission is rooted in one simple belief: our community comes first. We are dedicated to supporting, protecting, and empowering the people and neighborhoods that make our region home.
As part of our commitment to the Community Reinvestment Act (CRA), we work to ensure fair, equitable access to credit and financial services for all, including individuals and families in low‑ and moderate‑income areas.
Our CRA Public File, available below, reflects the many ways we invest in community development and respond to the needs of the residents we proudly serve. We invite you to explore it and see how we’re working together to create meaningful, lasting impact.
CRA Performance Evaluation
Our CRA Performance Evaluation offers important insight into how we’re living out our commitment to the community. It reflects how our efforts are being recognized and highlights opportunities for continued growth and improvement. Click here to view our CRA Performance Evaluation.
Branch Locations & Services
Visit our Locations page for more details about locations and hours of operation.
NCF offers a variety of deposit and loan products. Explore the options below and click each product to learn more about what we can provide.
Checking Accounts – Savings Accounts – Investment Products – Auto Loans – Mortgage Loans – Credit Cards – HELOC – Personal Loans
To view fees associated with our services, please click here.
We invite you to contact us for questions about the availability of products, services, and associated fees. Our Customer Service Representatives are available to answer your questions during regular banking hours.
Assessment Area Map
Opened and Closed Branches
HMDA Disclosures
The Home Mortgage Disclosure Act (HMDA) data about our residential mortgage lending is available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website, www.consumerfinance.gov/hmda.
2025 FFIEC Census Report – Housing Information & Income Information
Housing Information Income Information
Loan to Deposit Ratios
Public Comments
