NCB Financial Products

Debt Products

Whether your business is looking to expand, renovate or acquire, NCB has loan options to help you meet the challenges of business ownership.  We offer flexible loan products at competitive interest rates to match your business needs.

Deposit Products

At NCB, our competitive banking solutions enable you to streamline your banking operation and consolidate your accounts regardless of your geographical location. As a cooperative organization, we understand your business and can act more quickly in providing banking products to best serve your needs.

Dedicated Team  

NCB’s dedicated storelocal Team will assist members with all product and customer support needs.  Due to our long history of working with cooperative members, NCB offers a creative, consultative approach to grow your business.


National Cooperative Bank (NCB) provides comprehensive banking services to cooperatives and other member-owned organizations throughout the country. What makes NCB unique is that the bank was created to address the financial needs of an underserved market niche – people who join together cooperatively to meet personal, social or business needs.

Debt Products

Balance Sheet Loans

  • Offered In-Term on CMBS Mortgages
  • Co-Terminus with 1st Mortgage
  • Fixed Rate
  • Top Off Combined LTV to 70%
  • Combined DSCR Minimum of 1.40x
  • Recourse to Borrower
  • 1% Commitment Fee

CMBS Loans

  • Maximum LTV of 75%
  • Minimum DSCR of 1.30x
  • 10 Year Loan Term
  • 30 Year Amortization
  • Fixed Rate for 10 Years
  • Defeasance or Yield Maintenance
  • Non Recourse
  • No Origination Fee

Supplemental Loans

  • Offered In-Term on CMBS Mortgages
  • Co-Terminus with 1st Mortgage
  • Fixed Rate
  • Top Off Combined LTV to 70%
  • Combined DSCR Minimum of 1.40x
  • Recourse to Borrower
  • 1% Commitment Fee

Construction Loans

  • Lower of 70% of Cost or Value
  • Maximum Term of 2 Years
  • Floating Rate
  • Recourse to Borrower
  • 1% Commitment Fee

NCB Advantages

  • Dedicated Loan Officer for storelocal Members
  • Attractive Cost Structure
    • $12,500 for 3rd Party Reports and Application Fee
    • Legal Fees Generally $12,000 to $15,000
  • Agreed Upon storelocal Legal Documentation
  • NCB Never Sells Its Loan Servicing so storelocal Members will Always Know who to Call with Any Questions
  • NCB is a Rated Primary, Master and Special Servicer

Deposit Products

Cash Management

  • Real Time Online Banking
  • Central Treasury
  • Master and subaccount structures
  • Remote Deposit Capture
  • Check Imaging
  • ACH
  • Sweeps to BlackRock Funds– State-of-the-Art Security
  • Tokens and Encryption

Deposit Options

  • CDs
  • MMDAs
  • CDARs

NCB Advantages

  • Dedicated Deposit Officer for storelocal Members
  • Personalized Cash Management Training
  • NCB will Provide Preferred Deposit Pricing to storelocal Members and the Principals Thereof
  • Storelocal Members will Know Their Money is Safe at NCB
    • Highest IDC Rating Category
    • FDIC Insurance Up to $250,000

The Technology Gap

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