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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.

Personal Loans

Money doesn’t grow on trees. Sometimes, you need a loan to achieve the things you want. At Northeast, we’re proud to offer a number of personal loan options to help you live your life the way you want.

Personal loans* can be used for a variety of purposes, including home improvements, medical expenses, vehicle repairs, debt consolidation, and planned expenses. Visit your local Northeast branch to discuss your unique financial needs with a banker.

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*Loans are subject to approval

Auto & Recreation Loans

Let us help put you in the driver's seat of the new or used car, van, or truck that has caught your eye! Enjoy our country’s majestic landscapes first-hand with an RV or camper. Ride the waves in style with a boat loan.

National Federal Bank can help you meet your goals—whatever they are—with a convenient payment plan that's right for you.* To apply, stop by your local Northeast branch or complete an online application.

Already seeking financing with a dealership? Ask about financing with Northeast.

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*Loans are subject to approval
**Most National Federal Bank branches use NADA (National Auto Dealers Association) for auto valuation. The actual loan value of your vehicle may vary between valuation services.

Auto & Recreation Resources

We've put together our most popular calculators to help answer your most common questions.

Debt Consolidation

With a debt consolidation loan*, you can combine higher interest rate credit card debt and other installment payments into just one payment.

Plus, chances are your new monthly payment will be considerably less than the total of your current individual payments. That way you also have an opportunity to pay down your debts faster.

Visit with a Northeast personal banker to discuss how a Debt Consolidation loan can help you pay down your debt.

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How can you pay down your debt faster?

Generally, if you have higher interest rate debt and combine it into a debt consolidation loan you may save money each month and set a term to pay off the debt. Plus, if you take the money you save and just apply it to your consolidation loan (especially if you've already budgeted for that amount), you will reduce your debt even faster!

*Repay a personal loan for a term of 12 to 60 months. Rates range from 6.875% to 16.51% Annual Percentage Rate (APR). No prepayment penalty. The following is a representative example of repayment terms for an unsecured personal loan (individual results will vary): For $12,000 borrowed over 36 months at 8.875% APR with a $200 origination fee financed, the monthly payment is $380.20. This example is an estimate only and assumes all payments are made on time. Information is accurate as of July 7, 2021. Rates are subject to change. All loans are subject to approval.

Home Equity Lines of Credit (HELOC)

Your home can be a great source of memories. And equity.

If you’re a homeowner you can use the approved equity in your home — the difference between the current value of your house and what you owe on it — for just about anything, including a remodel on that tiny bathroom you and your family have shared for so many years.

Hello HELOC, hello financial flexibility.

A Home Equity Line of Credit* can be used for home improvements but also provide you with the financial flexibility to help pay for unexpected medical expenses, education, travel, a vehicle, do a little debt consolidation, and so much more.

Current tax laws may allow interest paid on a home equity line to be deducted from your taxable income, but you should consult your tax advisor for details.**

To learn more, speak with a personal banker at your local Northeast branch.

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*Lines are subject to approval
**Consult your tax advisor
Consult your tax advisor regarding any tax deduction status of your line.

Overdraft Credit Line

Overdrafts can happen, and fees can add up. Northeast offers an overdraft credit line* to cover those instances where you miscalculate your available balance in your checking account. Our application process is quick and easy.

Visit with your local National Federal Banker to learn more.

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* A transfer fee applies and is assessed to the deposit account. Refer to the Fee Schedule for details.
*Loans are subject to approval

Overdraft Resources

Northeast offers solutions and money management tips to avoid overdrafts.

Learn More

AdvanceLine

Northeast’s AdvanceLine* personal line of credit may be able to extend beyond the limits of traditional credit cards or loans, while providing the same ease and convenience.

Your AdvanceLine, which may be secured or unsecured, remains open for withdrawals as needed. When you choose to use your available funds, you are then responsible for paying that amount back.

You can access your funds quickly and conveniently, simply using the checks we provide as part of your AdvanceLine account or transfer the funds you need (up to your limit) via I-Bank Online Banking or Mobile Banking to your Northeast checking account. From there, you can write personal checks or use your debit card for your expenses.

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How can you use an AdvanceLine?

A Northeast AdvanceLine can be used for a wide variety of expenses, depending on your situation and credit needs.

  • Debt Consolidation
  • Home Improvements
  • Medical Expenses
  • Anything Else

*Loans are subject to approval

Want to know more?

Read our frequently asked questions for additional information.

Consumer Loan FAQs