Since 1889, we have been providing financial solutions to our neighbors and business to help them plan for big expenses or for the unexpected.
Increase your purchasing power with our Visa credit card1 and enjoy these benefits.
Take advantage of your most valuable asset - your home! With a home equity line of credit2 from NCB, you can tackle those home improvement projects, pay off other loans, make that big purchase, pay for a college education or set money aside for those surprise expenses.
Our home equity line of credit benefits include:
If you are looking for a mortgage3 as a first-time home buyer, need to refinance your current loan or are in the market for a second home, our experienced local mortgage loan officers will work to find the best loan for your borrowing needs. Make NCB your mortgage lending home with:
Get the peace of mind of not having to worry about returned checks with our overdraft line of credit4.
Set up automatic transfers from related NCB accounts to cover overdrafts in your checking account and avoid bounced checks and unwanted fees.
¹ NCB credit cards are issued in partnership with TCM Bank, N.A., a subsidiary of the Independent Community Bankers of America (ICBA), and are subject to credit approval. Please refer to the application disclosures for current rates, terms and fees.
² Terms and Conditions for new Home Equity Lines of Credit. Annual Percentage Rate (APR) effective as of 09/19/2024 and is subject to change. The interest rate adjusts to a variable rate equal to the Wall Street Journal Prime Rate (current APR is 8.00%). The minimum APR will not go below 8.00% and the maximum APR will not exceed 18.00%. The rate is subject to change monthly based upon changes in the Wall Street Journal Prime Rate. Available for principal residences only located in the Washington metropolitan area. Purchase money loans are not eligible. Maximum loan-to-value ratio of up to 80%, less any existing mortgages. Property insurance is required. Not responsible for closing costs up to $3,000. Title insurance and/or appraisal may be required. If you close your account within 36 months, closing costs must be reimbursed. Costs generally total between $1,456 and $11,419. The minimum line amount is $10,000 and a maximum of $1,000,000. Offers subject to credit approval. Other products and terms may exist for applications which do not qualify under above conditions. Interest paid on home equity account may be tax deductible. Consult your tax advisor regarding tax advantages.
³ Subject to credit approval. Terms and conditions apply. Not a commitment to lend and subject to change without notice. Our Mortgage Loan Originators are registered with the National Mortgage Licensing System (NMLS) and Registry. National Capital Bank’s ID # is 663128. Learn more at http://www.nmlsconsumeraccess.org
4 Annual Percentage Rate (APR) effective as of 1/18/18 is 11.50% and is subject to change. All personal loans, lines of credit are subject to credit approval.
