248 Pleasant Street
Methuen, MA 01844
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.66% →
1-Year CD 0.50% 0.67% →
2-Year CD 1.01% 0.75% →
5-Year CD 1.26% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Nesc is an NCUA insured institution located in Methuen, MA. It was founded in 1958 and has approximately $112.7 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 12334
Date Established 1958
Assets $112.70 million
Loans $80.03 million
Deposits $100.63 million
Capital $9.40 million

Field of Membership Restrictions

Membership is open to employees and members of the credit union's select employer group. The credit union requests customers to call for more details.

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.50% $2,500 $2,999 Learn More
Money Market
0.50% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
1.01% $10,000 $14,999 Learn More
18 Mo CD
1.01% $100,000 $199,999 Learn More
24 Mo CD
1.01% $10,000 $14,999 Learn More
24 Mo CD
1.01% $100,000 $199,999 Learn More
30 Mo CD
1.01% $10,000 $14,999 Learn More
30 Mo CD
1.01% $100,000 $199,999 Learn More
36 Mo CD
1.01% $10,000 $14,999 Learn More
36 Mo CD
1.01% $100,000 $199,999 Learn More
48 Mo CD
1.26% $10,000 $14,999 Learn More
48 Mo CD
1.26% $100,000 $199,999 Learn More
60 Mo CD
1.26% $10,000 $14,999 Learn More
60 Mo CD
1.26% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for NESC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
IHL Direct
NMLS ID: 257476
2.884% 2.750% 0.75 $4,368 $1,021 Learn More
Morty, Inc.
NMLS ID: 1429243
2.706% 2.625% 0.63 $2,668 $1,005 Learn More
NMLS ID: 2890
License#: 413-0477
2.775% 2.750% 0.38 $808 $1,021 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to NESC
To upload and update your bank's rates please register. It is free to register and add rates.



Below are Nesc branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Financial Details

Nesc Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Nesc. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Nesc U.S. Average
2.22% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Nesc had $213,420 in non-current loans and $0 in owned assets. To cover these potential losses it had $9,399,180 in net worth and $229,742 in loans loss reserves. That gives it a Texas Ratio of 2.22%.

Net Worth
Nesc U.S. Average
8.34% 12.67%

Nesc FCU has a net worth of 8.34% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Nesc

Branches and Savings

What is Nesc?

A federal credit union, registered with the NCUA under certificate #12334.
Learn more about credit unions here.

Is Nesc FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Nesc is insured by the NCUA.

Who can join Nesc?

Please see Field of Membership information above for information on who is eligible to join.

What are Nesc's share account and share certificate rates?

Nesc's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Nesc?

Nesc has total capital of $9.40 million. Full information on Nesc's financial position is located above.

Who owns Nesc?

Credit Unions are owned by their members.

Where are Nesc branches located?

See branch locations nearby.

Are Nesc ATMs Open 24/7?

Do Nesc ATMs accept cash deposits?

Can Nesc customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Nesc have a mobile app?

Does Nesc have mobile deposit?

Does Nesc have quick pay?

How can Nesc transfer money to other banks or credit unions?

Does Nesc report to credit bureaus?

Does Nesc use Chexsystems?

Does Nesc use Equifax?

What is Nesc's toll free phone number?

What is Nesc's ACH Routing Number?

What is Nesc's SWIFT code?

Where can I find Nesc's wire transfer form?

What is the Nesc address for deposits?

What Products Does Nesc Offer

Does Nesc offer mortgages?

Compare mortgage rates here.

Does Nesc offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Nesc offer auto and RV loans?

Compare auto loan rates here.

Does Nesc offer student loans or personal loans?

Compare personal loan rates here.

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