Skip to main content

Online Banking

Login to Online Banking
Routing Number: 271985352

Home Equity Loans

Apply for a Loan

Fixed Rate Home Equity

Reducing debt will play a big part in your overall financial situation and one option to do this would be to get a New Century Home Equity Loan. Home Equity loans can be used for just about any large purchase and typically has a lower rate than a personal loan. Equity is defined as the difference between what your home is worth and what you owe on a first mortgage.

  • Borrow up to 80%, 90%, or 100% of value
  • Terms can be 5, 10, or 15 year loans
  • No application fee
  • No maintenance fees
    • Prepayment Penalties - If your Home Equity installment loan is paid off within 24 months, you will be responsible to repay New Century FCU for any third party charges up to $575.
  • Interest paid may be tax deductible (consult a tax advisor)
Apply for a Loan  Mortgage Calculator

Home Equity Line of Credit

Do you have a big upcoming project that is going to be expensive, but you don’t want to pay interest on money you may not need to use right away? If so, a Home Equity Line of Credit (HELOC) from New Century FCU is the perfect solution. Our HELOC’s go up to $500,000 and have a draw period of 10 years, followed by a 5-year re-payment period. HELOC’s offer the following benefits too:

  • Draw on Funds on an “as needed” basis
  • Rate is based off of the Wall Street Journal Prime Rate
  • Interest paid may be tax deductible (consults a tax advisor)
  • Only pay interest on the money you have borrowed
Apply for a Loan  Mortgage Calculator

New Online banking LOGIN instructions:

When you log into for the first time after our upgrade, you will be required to follow the "enroll in online banking" process.

Your initial Login information is as follows:

You will be prompted to change your Login ID and Security Code.

Once these are changed, you will use your NEW Login ID and Security Code the next time you log into NEW CENTURY FCU's ONLINE BANKING.

If you have any questions, please contact our online banking support team at 833-596-0755 or call the credit union to speak to a representative.

Thank you for your patience and understanding.

Continue to online banking.