northern_david, Author at Northern Community Bank

Are you being ripped off by car finance deals?

March 5, 2019 3:23 pm Leave a Comment

The Financial Conduct Authority (FCA) have found that as many as 500,000 drivers in the UK are over-charged by more than £1000 on car finance deals over £10,000.

The two-year FCA investigation found that many car salespeople were paid commission by banks and their respective finance arms, which were linked to the level of interest charged on car finance deals. Naomi Schraer, Money Saving Expert news reporter explained

The broker can set a higher interest rate for the customer in order to earn more commission, leaving consumers paying an excessive amount. The FCA estimates this could be costing consumers £300 million a year

In the UK it is estimated that 9 out of 10 cars are currently purchased through a car finance deal. The majority of these are through Personal Contract Purchase (PCP) deals, which are similar to traditional hire purchase agreements where the buyer does not own the car but pays a monthly amount and is left to find a large final figure in the thousands to own the car outright or enter into another lengthy PCP ‘deal’ on another car.

BBC business detailed how the PCP model works in the car finance market

Instead of buying a car outright, a PCP allows consumers to rent a car over a three or four-year period. At the end of the period consumers can buy the car for its residual value (known as a “balloon” payment), hand the car back, or roll over the residual value into a new PCP on a new vehicle.

In comparison Northern Community Bank car loans are totally transparent, all loan applicants are charged the same rate of interest and there are no application or set-up fees. Unlike many lenders who advertise temptingly low representative interest rates, which are only offered to 51% of applicants – at Northern Community Bank what you see is what you get.

Of course, dealers will often offer car finance deals on their vehicles and while we can’t guarantee that our terms will be better 100% of the time, what we can say is that it’s worth taking the time to find out.

That’s the challenge Northern Community Bank throw down; if you want to spend more than £3000 on a car, compare the terms offered elsewhere to the terms on a Northern Community Bank car loan , and we’re pretty confident that what we provide will prove highly competitive.

The FCA launched the investigation into the car finance market in 2017 when consumer credit figures rapidly increased, largely due to the PCP deals found at car dealerships. According to James Salmon (Daily Mail) and Emily Hardy (This is MONEY) the FCA’s undercover investigation highlighted the problem of car salespeople failing to make customers aware of the commission they made on car finance deals

Undercover shoppers from the watchdog found just one out of 37 franchised car dealers and four in 60 independents disclosed that any commission was paid. This compares with two in 14 car supermarkets and four in 11 online brokers.

The FCA are assessing the options available to protect car finance customers before intervening in the market. They could strengthen existing rules or look at steps such as banning certain types of commission model or limiting broker discretion on interest rates.

In the meantime if you want a car loan, where the loan term is clearly set out and you know you will be charged the interest rate that is advertised, with no extra commission paid to salespeople – then apply online or contact a member of staff today.

Northern Community Bank secures £50,000 through Lloyds Banking Group Development Fund in 2019

February 27, 2019 1:39 pm Leave a Comment

Northern Community Bank has been awarded a £50,000 grant by Lloyds Banking Group through its Credit Union Development Fund to invest in communities across the region.

This is the second time we have successfully applied for support from the fund, with £50,000 also being awarded in 2018. That grant allowed Northern Community Bank to build on our partnership with SPE Furnishings and contributed to the important development of opening the St James’s Street branch in Burnley.

Chief Executive of Northen Community Bank, Kathryn Fogg explained the positive impact the 2018 grant had on the community bank.

The grant allowed us to create a branch within SPE Furnishings, on Briercliffe Road, and employ an additional member of staff to offer a real alternative to the pay weekly stores. It also helped Northern Community Bank to renovate a recently acquired town centre property. Bringing Northern Community Bank onto Burnley High Street helped to showcase us to the local community as an alternative to high interest lenders

The number of high interest companies operating in the town, which a high percentage of Northern Community Bank’s account holders use or have used, demonstrates the need for the affordable finance and ethical loans which we provide. In the short period Northern Community Bank has been in direct competition to the money, pay weekly and pawn shops we have already seen higher than expected growth.

Established in 2014, the Lloyds Credit Union Development Fund is run in partnership with the Credit Union Foundation. Over the past five years the Fund has awarded 30 northern credit unions with £1.7 million to support members across the north of England.

The Fund is designed to strengthen the financial position of credit unions to enable them to provide much-needed responsible lending to local people and organisations.

Northern Community Bank is proud to be self-sufficient, however the rapid sustainable growth means that the community bank needs to increase financial reserves to comply with regulatory requirements. The second successful £50,000 Lloyds Banking Group grant will be placed into Northern Community Bank’s reserves.

Northern Community Bank CEO, Kathryn Fogg, said

“We are very grateful for the award granted by the Lloyds Credit Union Development Fund. It has provided reserves, enabling us to continue to comply with regulatory requirements following the opening of our new branch in Burnley town centre.”

Lloyds Banking Group Ambassador for the North West, Nick Williams, said

“At Lloyds Banking Group we’re committed to helping Britain prosper, which is why we’re proud to support the Northern Community Bank with this funding and help them make a lasting difference to families across Lancashire.”

The Lloyds Credit Union Development Fund grant for Northern Community Bank forms part of Lloyds Banking Group’s Helping Britain Prosper Plan, as part of which it has donated £1 million a year to community banks since 2014, to better enable community banks to offer affordable loans and savings services to our account holders.

To find out more about Lloyds Banking Group’s Helping Britain Prosper Plan visit www.lloydsbankinggroup.com

Did the hot February make you want garden home improvements?

12:53 pm Leave a Comment

What a difference a year makes! Last February we were bracing the cold weather from the ‘Beast from the East’ – this February we’ve experienced the hottest recorded winter day! The weather has certainly got account holders in the garden making home improvements, we’ve seen a few photographs of bumble bees and lady birds that have ventured out early to watch people fixing up fences, patios and getting the first cut of lawn this year.

The chances are that you start thinking about things like summer holidays, picnics on the beach and spring cleaning. Another thing which tends to happen more once spring has sprung is DIY, from tidying up the garden over the bank holiday weekend in April to undertaking major construction work. If you’re thinking of embarking on a larger scale project, then one of the garden home improvement loans from Northern Community Bank could be the best means of getting hold of the funding you need.

Our garden home improvement loans can be used for anything from fitting new seating areas or sanding and painting the fences in your garden all the way up to building a conservatory. The point is that once the loan has been approved you can spend the money however you wish. This opens up purchasing power which means you can haggle over the price of larger components or pieces of furniture, and take advantage of the savings available when paying cash and buying in bulk. The chances are that you’ll be able to access much better deals than the credit arrangements sometimes offered by retailers, making the most of your available budget and buying the best quality items.

The other major advantage of our garden home improvement loans are the terms on which we offer them. To start with, we do everything in a transparent and up-front manner. The interest rates which you see mentioned on our website and leaflets is the only interest rate we charge. Unlike some lenders, we don’t offer our best rate to a percentage of borrowers and a higher rate to all the others. Similarly, none of our account holders is ever hit with secret charges, fees or other small print.

Perhaps even more important is the fact that we are ethical lenders, working on a not for profit basis. When we set our interest rates we don’t have to think about paying a big bonus to the directors or funding a payout to our shareholders. That’s why we can keep our rates as low as possible, and any money we do make is ploughed back into making the community around us a better place in which to live and work. If you take out one of our garden home improvements loans we’ll only lend you what you can honestly afford to pay back, and we’ll put a percentage of each payment into your savings so they carry on growing as you clear your loan.

We’ve made the process of applying for our garden home improvements loans as quick and simple as possible. Once you’ve given us all the information we need, we’ll reach a decision within two working days and, if it’s at all possible, by the next day. As soon as the loan has been approved, it will be paid into your bank account, leaving you free to spend it when and where you want.

Barclays to close local bank branches

February 18, 2019 3:29 pm Leave a Comment

The Pendle community was left shocked as two Barclays Bank branches are set to close.

A number of Northern Community Bank account holders have reacted with disappointment with the announcement that both Barclays Bank branches in Nelson and Colne are due to close. The majority of our account holders also have accounts at the high street banks and expressed anger at our community losing another set of bank branches.

We have heard from all the high street banks that have left Burnley and Pendle recently that one of the main reasons they are vacating town centre locations is because of account holders increasingly using online facilities. At Northern Community Bank we recognise that for many people to access balances, request withdrawals and apply for loans online is vital and that is why we continue to improve the ‘Online Accounts’ area, however we also understand that many residents still want to be able to speak to a real member of staff face-to-face. It is for this reason we operate three town centre branches within 7 miles, signalling our commitment to serve people in the community with our newest branch opening on Burnley’s St James’s Street in October 2018.

Over the last few years many bank branches have closed in Burnley and Pendle. Santander Bank have recently announced their branch is also to close, which follows the closure of their Padiham branch in 2017; sadly that closure left Padiham with no banks at all.

Barclays closing their branch on Manchester Road in Nelson, means the community have now lost Marsden Building Society, Lloyds, HSBC, who also closed a branch in Morrisons supermarket and Natwest Bank. Northern Community Bank’s blog asked in 2016 whether “we need Banks, Building Societies and Credit Unions on the High Street?” and the overall response from account holders was – yes.

There are some banking issues that many feel need to be addressed in branch. Local bank closures make this very difficult for people in our community. That is why we welcome any Northern Community Bank account holders to pop into our three branches located in Nelson, Colne or Burnley to discuss their savings or loans.

BrightHouse to close stores

February 12, 2019 10:54 am Leave a Comment

BrightHouse announce it is to close 10% of its stores across the UK.

BrightHouse is to close 30 of its high street stores. Unfortunately the Burnley store looks like it may stay open. The rent-to-own company provides household items such as televisions, cookers, washing machines and furniture on a high interest pay-weekly hire purchase agreement.

BrightHouse has come under pressure in recent times, with the Financial Conduct Authority (FCA) last year announcing plans to cap the amount of interest that rent-to-own retailers charge customers, after investigations found that some customers were paying up to four times the average retail price due to high interest payments on items.

In October 2017 they were also ordered by the FCA to redress some 250,000 customers £14.8 Million, when the FCA found the credit checks and collections processes were not up to its expectations.

Andrew Bailey, CEO of the Financial Conduct Authority, recently outlined the aim of the proposed caps

“Today’s measures are designed to bring down very high prices in the rent-to-own sector, which is used by some of the most financially vulnerable in our society. We believe a cap is the only intervention that will effectively tackle the highest prices. If implemented it will save consumers up to £22.7m a year from excessive charges.”

There is little joy for the BrightHouse employees that face redundancies, however it is hard to shed a tear for the company when people in the Burnley and Pendle communities have been purchasing items with representative interest rates of 69.9% APR, with some items attracting interest rates as high as 99.9% APR.

The FCA rent-to-own proposals should come into effect from the 1st April. They include the recommendation that the pay-weekly stores should benchmark the cost of products against the price charged by three other retailers. This will hopefully stop members of our community, who feel forced to use the rent-to-own companies, being hit with a double whammy of overpriced household items which are then compounded by eye watering rates of interest.

“There are no lenders in this area that can match your APR on small home improvement loans”

November 28, 2018 2:42 pm Leave a Comment

It is great working in the community, helping people to improve their lives through the simple savings and affordable loan accounts. Our staff had a warm reminder of the positive effect even our small home improvement loans can have to our account holders.

We first met Aaron* whilst he was buying paint from the Community Re-Paint section at SPE Furnishings. He had a desire to improve the rented property he shared with two house mates, to make their house more like a home. Aaron was wary about financial organisations and had experienced high interest lenders taking advantage of people in his community. Aaron had never heard of a credit union and liked the concept of Northern Community Bank being a financial co-operative that is owned and run for the benefit of local people.

How we helped Aaron with a small home improvement loans

Aaron wanted to borrow £400 to make improvements in the bathroom and re-decorate the hall and landing in their property. He did not have to do these home improvements, after all the property was owned by the landlord but he wanted to make a difference to where he lived. After completing the loan application, and affordability assessment, Aaron was provided with the starter loan the next day.

Aaron recently dropped by a Northern Community Bank branch to proudly show off his handy-work with the small home improvement loans. Northern Community Bank staff loved his photographs of the newly renovated stairs, landing and bathroom. Aaron explained that the landlord had been very impressed and was also improving the property after seeing his tenant’s effort – old windows had since been replaced with energy efficient PVC upgrades to keep the house warmer in the winter.

Aaron told us that the loan process had been simple, the repayment plan was manageable and the way that his savings are building up is brilliant

“There are no lenders in this area that can match your APR on small loans”

After a number of months sticking to his repayment plan, Aaron has successfully applied to top up his loan to pay for his theory and practical driving tests. Next time we see Aaron he may just be looking for a new car!

*We have changed the name of this account holder

Mayor Opens Burnley Branch: Northern Community Bank Celebrates New High Street Home

November 13, 2018 4:27 pm Leave a Comment

Northern Community Bank is delighted to announce the opening of our new Burnley branch, bringing our ethical savings and affordable loan services closer to the residents of Burnley and Pendle. The branch, located at 48 St James’s Street, was officially opened by Councillor Charlie Briggs, the Mayor of Burnley, in a celebration attended by local dignitaries, including Julie Cooper MP, and representatives from community banks across the UK.

The Mayor opened the Burnley branch by cutting the ribbon, marking the start of Northern Community Bank’s services six days a week for local people. “I am happy to see Northern Community Bank on Burnley’s high street,” said Mayor Charlie Briggs. “It is good for the town and its people to be able to access much-needed services.”

The new Burnley Branch is a long-term commitment to the town

Northern Community Bank President, Gerard Spain, welcomed Councillor Briggs and reaffirmed the bank’s long-term commitment to the community. “At a time when some businesses and banks are leaving the high street, opening this branch shows our dedication to providing reliable saving and borrowing facilities to Burnley and Pendle for years to come.”

The branch has been fully renovated to offer a welcoming space for account holders, including a private interview room and cashier desks for deposits and withdrawals. Julie Cooper MP highlighted the importance of having Northern Community Bank located on the high street alongside other essential services. “At a time when local people are facing low wages or the financial pressures of the Christmas period, it is reassuring to know that community banks are here to help,” she said.

The opening was also attended by leaders from across the UK community bank movement. Karen Bennett, President of ABCUL – the main trade association for community banks in Britain, shared her support and experience from Enterprise Community Bank in Liverpool, where she is Chief Executive Officer. “The branch looks fantastic, and I’m confident it will be a success. I know from our work in Liverpool that the services provided will be invaluable to the community,” she said.

Northern Community Bank is proud to be part of Burnley’s high street and looks forward to welcoming local residents to the branch. If you’d like to join Northern Community Bank and open an account, you can get started here.

DWP minister Guy Opperman visits Northern Community Bank

October 24, 2018 1:30 pm Leave a Comment

DWP minister visits Northern Community Bank in Nelson

Northern Community Bank had the honour of welcoming MP Guy Opperman from the Department for Work and Pensions at our Manchester Road branch in Nelson recently. Mr Opperman joined fellow Conservative MP for Pendle, Andrew Stephenson, for a tour around our not-for-profit co-operative that provides ethical savings and affordable loan accounts to the local community.

Mr Opperman has experience in ethical finance, as he helped to create Tynedale Community Bank, another not-for-profit bank in Northumberland which also allows people to save and borrow money, with interest at a much lower rate than many other lenders.

“There’s a cohort of society that needs looking after, where better to do that than a Community Bank”

Mr Opperman

As part of his role at DWP Mr Opperman takes a lead on combating financial exclusion. His experience at Tynedale has identified the important role both community banks and community banks have in giving people access to banking services, including loans to people who might otherwise not be able to access them. Mr Opperman states:

“I know first-hand that improving financial inclusion is key to helping some of the poorest and most marginalised in society.”

Deborah Smith-Hands, Chief Operating Officer Officer and Board member Mark Hirst from Northern Community Bank discussed the exciting new town centre branch the community bank is opening at 48 St James’s Street in Burnley which will open our services up to more people in the community. Mr Opperman has regularly commented on need for community led finance whilst the high street banks are leaving town centres across the country

“The recent change in legislation has put a huge dent in the likes of Wonga and Brighthouse and I hope this brings more clients to Community banks“

Said Mr Opperman

Northern Community Bank staff recently attended an event at the Palace of Westminster where Guy Opperman joined leading figures from the banking world and MPs from across the political spectrum to pledge their support for the credit union movement in UK.

Northern Community Bank branch within The Calico Group

October 17, 2018 11:07 am Leave a Comment

When Burnley Area Community Bank merged with Pendle Community Bank in 2013 we began looking for a new home in Burnley. The Calico Group kindly offered Northern Community Bank the opportunity to operate a branch within their main office in the town centre. The highly successful partnership has helped 1200 people to gain access to ethical savings and affordable loan accounts.

A new chapter is on the horizon for Northern Community Bank in Burnley as we embark on a journey which will see us move into our own newly renovated premises at 48 St James’s street. The property, located on the main shopping street in the town centre, amongst some of the most well-known stores, banks and building societies will enable Northern Community Bank to offer its services to more people in the local community.

Moving location should have no effect for our account holders, who have no need to change any methods of depositing. If you require any further information Northern Community Bank are available on 01282 691333, on our website, via email and also through Northern Community Bank‘s social media platforms.

Northern Community Bank will forever be grateful to The Calico Group for offering us the chance in 2013 to operate a branch within their excellent location in Centenary Court, Croft Street. Whilst there 1200 local residents from the Burnley community have opened savings accounts, our partnership has enabled 200 Calico tenants and 93 Calico employees to open accounts. Most pleasing to Northern Community Bank is that 80 junior accounts have been opened in that time, which have helped start young people from our community on the right financial path towards saving and money management.

The Calico Group have been a great help in raising awareness about the benefits of Community Bank membership. We have worked in partnership on a number of schemes, including tackling high interest lenders that prey on community, helping resident to pay for expensive home improvements; the work was completed on homes with the aid of affordable loans from Northern Community Bank.

Whilst being based within Calico’s Centenary Court headquarters Northern Community Bank have issued over £2.1 million in loans. We are extremely proud that we have continued to offer an ethical alternative to the high interest lenders such as the pay weekly stores, pay day loan, and illegal loan sharks that prey on members of our community, whilst still being competitive with large loans up to £15,000.

Without the facilities provided by The Calico Group over the past 5 years our ability to offer access to safe savings and affordable loan accounts to the Burnley community would have been greatly diminished. Whilst Northern Community Bank are moving to our new premises on St James’s Street, Burnley, we are certain that we will continue to receive great support from the partnership formed with The Calico Group.

Northern Community Bank will announce more details regarding the new Burnley branch opening soon. In the meantime if you have a query or require any further information please contact us.

September car registration loans

September 4, 2018 11:53 am Leave a Comment

New DVLA September car registration plates means there are bargains to be had

The new DVLA September car registration number plates arrived at the weekend and for many people that signals the start of car hunting season. Of course this happens twice a year, in both March and September we see an increase in car loans at Northern Community Bank and it’s always great to hear from account holders about the deals they’ve struck.

Naturally not everyone wants or needs a brand new car, but the benefit of car shopping when the new registration plates arrive is the knock on effect of all ‘nearly new’ and ‘second hand’ car price tags decreasing.

Of course, dealers will often offer finance deals on their vehicles and while we can’t guarantee that our terms will be better 100% of the time, what we can say is that it’s worth taking the time to find out. That’s the challenge we throw down; if you want to spend more than £3000 on a car, compare the terms offered elsewhere to the terms on a Northern Community Bank car loan, and we’re pretty confident that what we provide will prove highly competitive.

Many garages and dealers, for example, offer finance which starts at 12.9% Representative APR, which is more than we’ll charge for a loan of over £3000. The word ‘representative’, what’s more, means that the rate in question only has to be offered to 51% of applicants. With us, on the other hand, the rate we quote is the rate you pay, every time.

We like to think that our account holders get the kind of deal they simply won’t find anywhere else. To begin with, we run on a not for profit basis, so the interest you pay isn’t going to fund external shareholders dividends or executive bonuses. That’s why we keep our rates so low when compared to other providers

Other benefits of taking your car loan out with Northern Community Bank include the fact that you’ll be saving as you make your repayments, that the interest rate will decrease as the balance does and that there is no penalty for early payments. Above all, we keep things simple; when you take out a car loan with us, you pay for the car and you own it outright from day one.

So if you want to take advantage of the car dealers making space in their show-room or forecourts, then contact Northern Community Bank today about an affordable car loan which will enable you to upgrade your vehicle and the spread the repayments over a manageable period.

If you do apply for a loan we’ll turn the application round as quickly as we can. That means a maximum wait of just two days, although we try to reach a decision in just two working days, providing all the information we need has been provided. If your application is successful, we can make a same day BACS payment directly to the lender, or to the person or business selling the car.

So Longa Wonga! Wonga administration announced

September 3, 2018 3:11 pm Leave a Comment

Community Banks are the alternative as Britain’s biggest payday lender, Wonga has collapsed into administration

Wonga collapsed into administration last week after a flurry of compensation claims over improper sales practices, with an estimated 200,000 customers still owing more than £400m in short-term loans. Northern Community Bank, like many ethical lenders and campaigners that aim to end high cost credit, will not shed any tears for the Payday Lender that has heaped misery on many people in our community.

Wonga’s 1509% representative APR on loans will not be missed

Importantly Wonga’s borrowers have been told to keep making their payments as usual despite the collapse, after singing a loan agreement this is their legal obligation.

However Northern Community Bank, and many Community Banks across the UK are ready to step in and provided an affordable and ethical alternative. We have always been available for members of our community who are using Payday Loans, who want to get out of the cycle of never ending expensive loans.

Northern Community Bank joins calls from campaigners across the ethical finance spectrum, who say that the government and regulators should promote Community banks to replace the high cost lenders to protect borrowers.

Michael Sheen, who started the End High Cost Credit Alliance, aiming to promote more affordable borrowing said

The real danger is that those customers are going to turn to possibly even worse places,

Sheen added.

There is an opportunity here to support fair and responsible credit providers and help them grow big enough to handle the amount of people that were going to Wonga before.

Another prominent campaigner against the high cost credit industry, Stella Creasy MP, has contacted John Glen, the economic secretary to the Treasury to voice concerns that as we have seen providers of high interest credit such as Wonga disappear previously, they have often been replaced by another seemingly as expensive.

Whether we consider the move of high-cost credit companies like Provident into providing credit cards under the Vanquis brand, or the development of Amigo loans, which use guarantors to underwrite loans and so evade requirements about respect for debt repayment plans, consumers continue to be exploited by these forms of lending.

The latest figures released regarding Wonga’s lending suggested they had lent out £430m, with an average loan of £237. We compared a loan from Northern Community Bank to see how the figures stacked up

At Northern Community Bank we have sympathy with the 500 workers who have been made redundant with Wonga collapsing into administration, but our main concern are members of Burnley and Pendle’s community that have been, and continue to be charged eye watering rates of interest on loans.

We understand that there are situation where people need to borrow cash quickly, we say contact Northern Community Bank first, if you have already used a high interest lender like Wonga and would like to discuss re-financing a loan contact Northern Community Bank today.

3 Milestones in savings & loans for Community Bank

August 29, 2018 2:20 pm Leave a Comment

Northern Community Bank hits three more milestones in savings & loans: £6m savings, 34,000th loan & £50m in total lending in 2018

Saving and loan milestones remind Northern Community Bank of its place in community

Three milestones in savings & loans were reached this week at Northern Community Bank. As collective savings reached £6 million for the first time, our staff issued the 34,000th loan to an account holder and our overall lending to the community surpassed £50 million since 1982. It served as a pleasing reminder that the services we provide to the community continue to be much needed.

The collective savings balance is especially pleasing at a time when savings levels in the UK are at some of their lowest since the 1960’s, August 2018’s statistics suggest 36% of UK households have no savings at all. When Northern Community Bank was formed in 1982 as a Savers Group, before becoming Nelson Community Community Bank, one of the main aims was to promote thrift and provide a safe place to save.

Savings are a vital component in the running of a Community Bank. Whilst some account holders use Northern Community Bank to build savings, behind the scenes we use the collective pool of savings to issue affordable loans to the community at competitive rates of interest.

This is ‘People helping People’ in action, it really is win-win for the community with access to safe savings and affordable loans.

The second milestone is proof that the Community Bank model works. Roberta, Northern Community Bank’s Members Services Co-ordinator, processed our 34,000th loan earlier this week! We work extremely hard to assess affordability on every loan we grant to the community, it is a credit to every member of staff, board and volunteer that has enabled Northern Community Bank to reach the final milestone as we have now lent over £50 million since 1982.

At Northern Community Bank we promote the ‘Save as you Borrow’ Community Bank method, which means with every loan repayment a loan balance decreases and at the same time a small amount is added to the borrowers saving balance.

Many things have changed since we were created by 15 saving pioneers in 1982. With three town centre branches, 15 members of staff and the ability to manage accounts online or via the telephone.

Two things that has never changed at Northern Community Bank

We only operate to benefit this community

Northern Community Bank‘s account holders are our biggest strength

Thank you

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