What is a credit union?

A credit union is a cooperative, not-for-profit financial institution, owned by its members and organized to promote thrift and provide credit to members. Membership is limited to those who share a common bond of employment, community or association.

The credit union is managed by a volunteer board of directors. Members elect and serve on the Board of Directors. Members also serve on the Credit Committee which decides which loans to grant and also the Supervisory Committee which oversees that Credit Union operations are conducted in accordance with the regulations of the National Credit Union Administration (NCUA), a federal government agency.

What is the difference between a credit union and a bank?

Unlike banks, credit unions are member-owned, not-for-profit institutions. Member-ownership gives us the incentive to focus completely on providing value to members. Banks are for-profit institutions, typically owned by stockholders.

How can I join NESC Federal Credit Union?

If you meet our eligibility requirements, you can join! Simply open a Share Savings account with a minimum deposit of $25. Contact us at 978-688-8800 for more information on becoming a member.

Can minors open accounts with NESC Federal Credit Union?

Minors who are 16 years or older may open their own membership. 

Parents or guardians of minors under the age of 16 may open a sub-share under their own membership for the minor. 

What is NESC Federal Credit Union's routing number?


How do I access account information by phone?

With our Audio Response System, you can access account information and perform transactions any time, just by dialing (800) 514-9322. This free service is available 24 hours a day, 365 days a year. You will need an Audio PIN to access this service which is normally the last 4 of your social security number. 

Are savings deposits insured?

Yes. All Savings accounts are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. Deposits in excess of the NCUA limits are insured up to the statutory Massachusetts limits by the Massachusetts Share Insurance Corporation (MSIC). When I deposit funds, how long does it take before those funds are available? Please review our funds availability policy.

What are the fees for products and services?

We offer low or no fees on our products and services. Please review our schedule of fees.

How do I begin direct deposit?

For direct deposit of your paycheck, contact your employer’s payroll department for the appropriate forms and information. For Share Savings deposits you will need your member number. For Share Draft deposits you will need your draft ID, found at the bottom of your checks. They will also need NESC's routing number which is 211380302

What if my ATM/Debit Card is lost or stolen?

Contact us during business hours. After hours and on weekends, contact the card issuer directly at 1 (800) 472-3272.

What should I do if I forget my PIN for my ATM/Debit Card?

To reset your PIN or password call 800-757-9848. 

What if my Visa credit card is lost or stolen?

Contact us during business hours. After hours and on weekends, contact the card issuer directly at 1 (800) 449-7728.

I got a text or phone call about fraud on my account. How do I know it was from NESC?

In order to safeguard your account, NESC may periodically flag certain transactions on your debit card as suspicious. Should a suspicious transaction occur, you will receive a text or phone call asking if you performed a particular transaction using your debit card. NESC will NOT ask for your debit card number as part of a transaction verification.
The text will come from #37268
The phone call will come from 877-253-8962

How should I inform the credit union if I move or change phone numbers? 

Please contact us to fill out a change of address form. You may also change your contact information through our Online Banking.