Welcome to Something Better!
At NESC Credit Union, joining is fast, easy, and rewarding — with real people ready to help when you call, click, or walk in.
- We Answer the Phone – Speak with a real person, not a menu.
- Walk Right In – No appointments needed, no endless wait times, just friendly service.
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Neighbors Helping Neighbors – Local people who get to know your name and care about your goals.
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Better Rates & Fewer Fees – Smart, affordable banking made for our Merrimack Valley community.
Learn More About the Credit Union Difference
Curious why so many people are joining NESC? Read our latest article on what makes credit unions different →
Frequently Asked Questions About Membership
How do I join NESC Credit Union?
Joining is simple! You can open your account online in just a few minutes or visit one of our local branches — our team is always happy to help you get started.
What do I need to join?
Just a valid photo ID and your Social Security number.
If you’re opening your account online, have a debit card ready to fund your new account — it’s that simple.
If you’re opening your account online, have a debit card ready to fund your new account — it’s that simple.
Who is eligible to join?
You can join if you live, work, worship, or attend school in Essex or Middlesex County in Massachusetts or Rockingham or Hillsborough County in New Hampshire—or if you're an immediate family member of a current member.Can I open an account online?
Yes! You can open your account from anywhere in just a few minutes.
Once approved, you’ll receive your member number and can start enjoying secure online and mobile banking right away.
Once approved, you’ll receive your member number and can start enjoying secure online and mobile banking right away.
Is my money safe?
Absolutely. Your deposits are insured by the NCUA up to $250,000 and by the MSIC for any amount over that — providing full deposit protection and peace of mind.
What if I move out of the area?
Once a member, always a member! You can keep your NESC accounts no matter where you live, with 24/7 access through online and mobile banking
Ready to Become a Member?
Joining is easy! Apply online, visit one of our local branch locations, or speak with a friendly team member to start your membership and experience the NESC difference.
Proudly Serving Our Communities
NESC Credit Union is rooted in the Merrimack Valley and serves members throughout Methuen, Lawrence, and neighboring towns across Massachusetts and Southern New Hampshire. Whether you're near one of our branch locations or joining from home, we make membership simple and convenient.
Enjoy life's little moments!
Our Savings Accounts provide peace of mind, allowing you to embrace every adventure.