Fully Cash Secured
Loan within shares (ratification)
Why withdraw your funds when you can access a fast, convenient within shares loan at a competitive interest rate. So keep earning while you repay that loan.
Learn More
Application Form | Apply Online
Loan secured by shares & savings (internal)
By using a combination of shares and deposits, members can access loans at extremely competitive rates. Funds used as security must be held at the Credit Union.
Learn MoreApplication Form | Apply Online
Loans secured by shares and hypothecation of funds (approved financial institutions)
By using a combination of shares and deposits, members can access loans at extremely competitive rates. This is for funds held outside of the Credit Union.
Learn MoreApplication Form | Apply Online
Motor Vehicle Loans
See it, want it; you can get it with our motor vehicle loan package. We finance motor vehicle from 0-10 years old at competitive interest rates.
Learn MoreApplication Form | Apply Online
Real Estate
Central Mortgage Fund
Mortgage Application Package | Apply Online
Internal Funds
- Deposit/Down Payment on House
- Home Acquisition
- Home Improvement
Application Form | Apply Online
Home Equity Loan
The equity in your home can help you achieve your dreams. Flexible terms and affordable interest rates are available.
Learn MoreApplication Form | Apply Online
Alternative Energy Loan
This is a secured energy conservation loan of up to $2M, which allows you to protect the environment while reducing your energy consumption and utility bills in the process. .
Learn MoreApplication Form | Apply Online
Loan to share ratio loan
In an effort to assist members, we offer loans on a ratio basis.
Learn MoreApplication Form | Apply Online
Unsecured Loans
Back to School Loan
Let N.C.B. Employees Co-operative Credit Union Ltd. Take the hassle out of your child's or children's school expense with our unsecured Back-To-School Loan package. It is accessible immediately after joining the Credit Union and at very competitive interest rate.
Learn MoreApplication Form | Apply Online
Educational Loan
N.C.B. Employees Co-operative Credit Union Limited is focus on furthering your education with our unsecured Education Loan package. Once you are a member of the Credit Union this facility is immediately accessible and at very competitive interest rate.
Learn MoreApplication Form | Apply Online
Pay Day Loan
Has an unexpected expense arisen? You can meet that expense by accessing a Pay Day Loan from your Credit Union. Member can borrow up to 1/3 of their net salary to a maximum of $75,000.
Learn MoreApplication Form | Apply Online
Special Unsecured Loan
An emergency has arisen? Need to borrow money? Your Credit Union is here to assist.
Learn MoreApplication Form | Apply Online
Pensioners Unsecured Loan
Pensioners can receive an unsecured loan from N.C.B. Employees Co-operative Credit Union Limited.
Learn MoreApplication Form | Apply Online
Credit Card Loan
Government of Jamaica/European Union (GOJ/EU) Loan
Compulsory savings to shares when a loan is granted
All loans attracted a compulsory savings of $3,000.00 monthly.
Exceptions:
- Pay Day Loans - $1,500.00 monthly
- Pensioners unsecured - 5% of loan amount divided by 12 or a minimum of $3,000.00 monthly.
- Back to Schools - $2,500 monthly to share $500.00 monthly for each child
