Credit Union Membership Frequently Asked Questions

Non-members may apply for a loan, but must open their membership before the loan is funded. Call or stop in to our Branch locations in Litleton, NH or St. Johnsbury, VT to start and finish the process with ease and convenience. Or start the application online here.

No, you will need to contact customer service at 800-856-0026

Yes, a minimum deposit of $25 to fund your membership is required to open a NLCU Savings Account and establish your membership at NLCU.

If you are an immediate family member or a household family member of an existing NLCU member, you are also eligible for NLCU membership.

Immediate family members: Spouse, children, siblings, parents, grandchildren, grandparents, stepchildren, stepsiblings, stepparents and adoptive children.

Household family members: Persons living in the same residence, maintaining a single economic unit.

If you are an employee of one of the companies in our Field of Membership or you Live/Work in Grafton, Sullivan or Cheshire County, NH or Caledonia, Essex, Windham, Windsor or Orange County, VT, you are eligible to join NLCU.  Learn more about Membership Eligibility.

Banks are for-profit companies that exist to generate high levels of profit for their stockholders. Bank stockholders elect a paid board of directors to run the bank and to financially benefit stockholders, not the bank's depositors. Credit unions are not-for-profit organizations that were founded on the idea of "people helping people". They are member-owned and exist to serve their members, with a volunteer board of directors.

A credit union is not-for-profit financial cooperative that is formed by people with a common bond. Credit unions are owned and operated by the members it serves. Members of credit unions pool their assets to provide loans and other financial services to each other.

Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions.

Please visit for operating hours.

You can update your address in person at our branch locations or emailing ( the credit union.

Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government.  Call customer service at 800-856-0026 for a pamphlet for more information.

NLCU's routing transit number is: 211691457. It is the first nine digits on the bottom of your check.