Promotions

August & September Promotions

To celebrate our grand re-opening, we're waiving the joining fee and offering 3 months off maintenance fees. We're also giving a $10 reward for those who refer a new member to open a savings and checking account with a debit card, and enrolls in online banking and e-statements.

*Starting on August 8, 2022 and ending September 30, 2022,  in conjunction with NCD CU Grand Re-opening, new accounts will have the $10 joining fee waived and 3 months ($9.50) of the maintenance fee waived from checking accounts, when all conditions of the account opening process is completed by September 30, 2022. Any pending account opening processes completed after September 30, 2022 will be subject to original terms and conditions (see rate and fee schedule under account disclosures). Eligible account holders must be a minimum of 18 years of age and reside within Bronx County, Kings County in Brooklyn, or Westchester County; locations are subject to change.  This offer is not valid with any other offer. New Accounts opened during this time frame will automatically have the joining fee and maintenance fee waived according to the rules of this promotional offer. This offer is restricted to the first time opening of any type of account and is limited to one offer per person. New Joint accounts where one account holder has been awarded this promotion on a separate account is not eligible. For eligible accounts the $10 joining fee will not be required, all other minimum balance terms and conditions will still apply. Maintenance fees apply to checking accounts that fall below the minimum balance amount of $100.00 at any time during that month. Any maintenance fee charged to eligible accounts will be credited the fee amount, if applicable, for the months of August, September, and October 2022. Eligible new accounts will be notified at account opening. All account opening processes and requirements are subject to the account disclosures and agreements and regulations set forth by NCD CU.

Apply for a loan to assist with the costs of going back to school during the months of August and September. No down payment will be required for a loan of a minimum of $500 to a maximum of $1,000 with a 1-year term.

*For parents of students and students over the age of 18 years old. Apply for a loan to assist with the costs of going back to school during the months of August and September. For a term of one year with a minimum amount of $500 and a maximum amount of $1000. Down payment requirement is waived.  Eligible account holders must be a minimum of 18 years of age and reside within Bronx County, Kings County in Brooklyn, or Westchester County; locations are subject to change. Parents must provide proof of school enrollment for the upcoming school year, ex. welcome letter, acceptance letter, letter from teacher with school supply list, etc. Students over the age of 18 must provide a valid school ID, or  acceptance letter, semester enrollment letter, etc. to prove enrollment for the upcoming school year. All loan applications will be processed according to the Credit Unions normal processes and procedures. Applicable loan requirements and fees are still required for the processing of all loans. Please see account disclosures and fee schedule for more information.This offer may be withdrawn at any time. This offer is not valid with any other offer. Non member accounts are not eligible.

Account openers of a Youth Education Fund (YEF) or College Money Management (CMM) account will receive a free back-to-school gift during the month of September while supplies last. 

*During the month of September any youth account opened, YEF account or CMM account, will receive a special gift while supplies last. No purchase is necessary for entry into this promotion. Members must come in person to receive gifts during the month of September if the account is opened online. All eligible account holders must be a minimum of 18 years of age and reside within Bronx County, Kings County in Brooklyn, or Westchester County; locations are subject to change.  All account opening processes and requirements are subject to the account disclosures and agreements and regulations set forth by the NCD CU. This offer may be withdrawn at any time. This offer is not valid with any other offer. Non member accounts are not eligible.

Gold Members (65+)

Our maintenance fee will be waived for seniors who sign up for direct deposit into their checking accounts. 

Tech Tuesday: Once a month, time will be dedicated for assistance with online banking set up, navigating the mobile app, setting up bill pay, and other technical assistance needed.

*Members age 65 and up and in good standing will have the maintenance fee waived on their account when the member is signed up to receive Direct Deposit into their checking account. If the member withdraws their direct deposit from the account and the balance falls below $100 at any time during that month, the account will be charged a maintenance fee according to the Credit Union rate and fee schedule. All other minimum balance terms and conditions still apply. Non Member accounts are not eligible.

Loan Promotions

Did you recently get approved for a loan? Let your first payment be on us! Refer one new loan borrower within 30 days of your loan approval and NCD  CU will make your first loan payment. Rules and restrictions apply. Speak to a member service representative for more information.

*New loan borrowers will have the opportunity to have the credit union pay their first loan payment up to $250; if they refer a new borrower who applies and gets approved within 30 days of the referee’s loan disbursement. Eligible account holders must be a minimum of 18 years of age and reside within Bronx County, Kings County in Brooklyn, or Westchester County; locations are subject to change. This offer is not valid with any other offer. The member is still required to pay the first month’s payment, however upon successful completion of promotional and loan conditions, the first payment amount will be credited back to the account up to $250. Both members need to confirm the referral name, by first and last name and provide special code if applicable. It is up to the referring member to follow up by calling or coming into the branch to confirm all requirements were met in order for reimbursement of your first loan payment to be credited to your account. Loan payments are due on the first of each month. Members must claim the “pay my loan bill” promotion after their first loan payment is made but before the next loan payment is due. If the member does not contact the credit union before the first of the month of their second loan payment, the member forfeits the first loan payment credit. Loan information will not be disclosed to the referring member. Upon inquiry, the member will only be informed of whether the conditions of the promotion have been met or not. This offer may be withdrawn at any time. This offer is not valid with any other offer. Non member accounts are not eligible.

New Account Promotions

Get a $10 reward for referring a new member who opens a savings and checking account with a debit card, enrolls in online banking, and e-statements.

*An active member, in good standing with the Credit Union can receive a $10 reward for referring a new account holder who is eligible for membership status.  A $10 credit will be awarded to the referring member account upon the new account holder’s successful completion of opening and registering for the following accounts and services: Savings account, Checking account, Debit Card, Online Banking, and E-statements.  No purchase is necessary for entry in this member referral rewards program promotion. Referrer first and last name must be stated during account opening along with special code, if applicable. The new account must be opened for a minimum of 3 months for reward eligibility. The maximum reward amount for all accounts is $100 per year starting from the date of your first reward, you must be eligible to receive member reward at the time of account opening, there are no credits for previous account referrals.  All eligible account holders must be a minimum of 18 years of age and reside within Bronx County, Kings County in Brooklyn, or Westchester County; locations are subject to change.. All account opening processes and requirements are subject to the account disclosures and agreements and regulations set forth by the NCD CU. This offer is not valid with any other offer. This offer may be withdrawn at any time. Non- Member accounts are not eligible for referral credit. Talk t

Pass along the Credit Union benefits to your staff and members! As a member organization, you’ll receive the additional benefit of a $20 reward for every new member referred by your organization as well as a voice on the credit union sub-committee.

*An active member business account, in good standing with the Credit Union can receive a $20 reward for referring a new account holder who is eligible for membership status.  A $20 credit will be awarded to the referring member account upon the new account holder’s successful completion of opening and registering for the following accounts and services: Savings account, Checking account, Debit Card, Online Banking, E-statements and direct deposit. Referring organization name must be stated during account opening along with special code, if applicable. The new account must be opened for a minimum of 3 months for reward eligibility. The maximum reward amount for all accounts is $100 per calendar year. All eligible account holders must be a minimum of 18 years of age and reside within Bronx County, Kings County in Brooklyn, or Westchester County; locations are subject to change. All account opening processes and requirements are subject to the account disclosures and agreements and regulations set forth by the NCD CU. This offer is not valid with any other offer. This offer may be withdrawn at any time. Non-member accounts are not eligible for referral credit.

 

What is the NCD Building Blocks Committee (NCD BBC)?

The Committee meets quarterly to discuss concerns of the community, credit union updates, collaborate, and brainstorm ideas that will strengthen and improve member organizations, the credit union, and the community. The goal is to join together to build up our city's blocks to enhance the lives of those who live and work in our community. Member Small Business accounts will have one person from their organization to represent for their immediate community.

Small business accounts will also receive a sign/sticker to display in their establishments to show they are members of the credit union, as well as an online badge for their websites as part of the new member package.

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