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Personal Banking

Loans & Lines of Credit

Since 1889, we have been providing financial solutions to our neighbors and business to help them plan for big expenses or for the unexpected.

NCB Visa® Credit Cards

Increase your purchasing power with our Visa credit card1 and enjoy these benefits.

  • Rewards programs to earn points for cash back, travel, merchandise and other perks
  • Chip card security to protect your online and in-store purchases from fraud
  • Competitive rates and no annual fees to help save you money
  • Fraud monitoring and zero liability for peace of mind
  • Online account management to view transactions, check balances, pay bills online, analyze spending and set up alerts.

Home Equity Lines of Credit

Take advantage of your most valuable asset - your home!  With a home equity line of credit2 from NCB, you can tackle those home improvement projects, pay off other loans, make that big purchase, pay for a college education or set money aside for those surprise expenses.

Our home equity line of credit benefits include:

  • Great rates and potential tax savings
  • No application fees, annual fees or closing costs up to $3,000 on standard lines
  • Convenient checkbook access allows you to control disbursements, access the funds you need, deposit into your NCB checking account 
  • Secure online banking access to manage all your activity

Residential Mortgages

If you are looking for a mortgage3 as a first-time home buyer, need to refinance your current loan or are in the market for a second home, our experienced local mortgage loan officers will work to find the best loan for your borrowing needs.  Make NCB your mortgage lending home with:

  • Competitive rates
  • Fast turnaround times
  • Flexible terms, including fixed-rate, and adjustable-rate (ARM) options 
Learn More

Ready Reserve

Get the peace of mind of not having to worry about returned checks with our overdraft line of credit4.

  • Automatic transfers from your line of credit to your checking account to cover checks presented that exceed your balance
  • No annual fees or application fees, you only pay interest when you draw on the overdraft line
  • Line amounts from $500
  • Payments are debited from your checking account each month

Overdraft Transfer

Set up automatic transfers from related NCB accounts to cover overdrafts in your checking account and avoid bounced checks and unwanted fees. 

  • No fee for funds transferred
  • Set up additional automatic transfers for: savings plans, mortgage loan payments and safe deposit box rent payments
  • Easy enrollment - contact us today! 

¹ NCB credit cards are issued in partnership with TCM Bank, N.A., a subsidiary of the Independent Community Bankers of America (ICBA), and are subject to credit approval. Please refer to the application disclosures for current rates, terms and fees. 

² Terms and Conditions for new Home Equity Lines of Credit. Annual Percentage Rate (APR) effective as of 12/6/2023 and is subject to change. The interest rate adjusts to a variable rate equal to the Wall Street Journal Prime Rate (current APR is 9.00%). The minimum APR will not go below 4.50% and the maximum APR will not exceed 18.00%. The rate is subject to change monthly based upon changes in the Wall Street Journal Prime Rate. Available for principal residences only located in the Washington metropolitan area. Purchase money loans are not eligible. Maximum loan-to-value ratio of up to 80%, less any existing mortgages. Property insurance is required. Not responsible for closing costs up to $3,000. Title insurance and/or appraisal may be required. If you close your account within 36 months, closing costs must be reimbursed. Costs generally total between $1,456 and $11,419. The minimum line amount is $10,000 and a maximum of $1,000,000.  Offers subject to credit approval. Other products and terms may exist for applications which do not qualify under above conditions. Interest paid on home equity account may be tax deductible. Consult your tax advisor regarding tax advantages.

³ Subject to credit approval. Terms and conditions apply. Not a commitment to lend and subject to change without notice. Our Mortgage Loan Originators are registered with the National Mortgage Licensing System (NMLS) and Registry. National Capital Bank’s ID # is 663128. Learn more at

4 Annual Percentage Rate (APR) effective as of 1/18/18 is 11.50% and is subject to change. All personal loans, lines of credit are subject to credit approval.