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ACH Schedule for Thanksgiving Day

In observance of the Thanksgiving Day federal holiday, we will be closed Thursday, November 23. Business Online Banking ACH files must be received by Tuesday, November 21, in order to settle before the upcoming holiday. ACH files received on Wednesday, November 22, will not settle until Friday, November 24.

Community Reinvestment Act

Meeting the credit needs of our communities.

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Helping our neighbors, particularly those most in need, has been central to Northeast’s mission since the Bank’s inception more than 50 years ago. Recognizing this, Northeast places a focused effort on assisting communities and serving low- to moderate-income income individuals and families. Through this effort, the hope is to revitalize and help stabilize these areas while simultaneously assisting distressed and underserved individuals across our footprint.

The Community Reinvestment Act (CRA) was enacted by Congress in 1977 and amended in 1995. The Act was created to encourage financial institutions to meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods, consistent with responsible banking operations.

Under the amended regulation, larger banks such as National Federal Bank are examined under performance criteria divided into three tests; Lending (50% of CRA Exam Rating), investment (25% of CRA Exam Rating) and service (25% of CRA Exam Rating).

Lending

Loans made for the specific purposes of community development including affordable housing targeted towards low- to moderate-income individuals or families, community services targeted towards low- to moderate-income communities and/or people, economic development in low- to moderate-income communities, and revitalization or stabilization of low- to moderate-income communities, distressed or underserved communities, or designated disaster areas.

Investing

National Federal Bank strives to meet the investment needs of our communities. This is accomplished through corporate investments within the bank's CRA assessment areas. In addition, National Federal Bank and Foundation grants supporting community and economic development programs contribute to the bank's success in this area.

Service

Social responsibility is the heart and soul of National Federal Bank. We partner with local community-based organizations in low- and moderate-income areas so we may provide free financial education to diverse communities of need and connect bank employees with nonprofit organizations to create more volunteer and board service opportunities.

National Federal Bank is proud to have earned an "Outstanding" rating from our bank examiners—the highest rating a bank can receive.

We are committed to our vision and values and will continue delivering the highest standard of customer service and products to the communities that we serve.

The Federal Reserve Bank of Minneapolis examines our CRA performance approximately every two years. During these exams they review qualified community development lending, investments and services we are engaged in throughout Arizona, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, North Dakota, Oregon, South Dakota, Washington, and Wyoming.

National Federal Bank
Community Development

Physical Address

1800 6th Ave N
Billings, MT 59101

Mailing Address

P.O. Box 30918
Billings, MT 59116-0918

Phone

406-237-2688