Sectors we Serve

Co-op Housing and HOA Knowledge, Full-Service Banking Solutions

For over 40 years, National Cooperative Bank has worked with housing cooperatives, condominiums, HOAs and their respective management companies offering a full suite of banking solutions tailored to the housing market.

Riverbend Condominium

NCB currently provides services to over 4,500 housing communities nationwide, working with over 600 management companies.

Whether you are seeking financing for a capital improvement project or refinance, opening a single reserve account for your community or considering a new primary bank, NCB will work with you to find the best solution.

NCB also offers loans for superintendent and professional units in a housing cooperative or condominium.

solar panels on st. francis housing

Products and Services

  • Commercial Real Estate Loans

    NCB provides first mortgages, second mortgages and lines of credit to commercial real estate properties across the country including housing cooperatives, multifamily and other commercial property types.

    Learn More

  • Community Association Loans

    Condominium and homeowners associations loan provide access to capital to pay for large scale projects. With over 2 decades of experience in community association lending, NCB will work with the association in providing the best financing to meet the needs of the community.


  • Commercial Loans

    We offer flexible business loans and working capital lines of credit  at competitive interest rates to meet your business needs.

    Learn More

  • Lockbox & Payment Processing

    Our payment processing platform allows payments to be made online, in the office with a desktop scanner, or through traditional payment methods.


  • Commercial Checking

    NCB’s business checking accounts are optimal for businesses and nonprofits of all shapes and sizes.

    Learn More

  • Commercial Savings

    Maximize your returns with NCB’s competitive savings product including CD’s and MMDA accounts.

    Learn More

  • Cash Management

    Save time and improve your cash flow operations with NCB’s Cash Management solutions- built for small business retailers to large property management customers.


  • Mortgages

    Make homeownership a reality or refinance your existing loan with NCB. NCB offers financing for co-ops, condos, single family homes and TICs.

    Learn More

Deposit Rates for Housing Cooperatives, Condominium and HOAs

Take advantage of great deposit rates for your reserve funds.

Term Rate APY*
12-Month CD 2.40% 2.43%
18-Month CD 2.70% 2.74%
24-Month CD 3.10% 3.15%
42-Month CD 3.20% 3.25%
$0–49,999 0.40% 0.40%
$50,000–99,999 0.75% 0.75%
$100,000+ 1.10% 1.11%

*Annual percentage yields are accurate as of March 21, 2019, and are subject to change daily. A $5,000 minimum deposit of new money is require to earn the APY quoted for a Certificate of Deposit. Substantial early withdrawal penalty on CDs. Fees may reduce earnings on your account. FDIC insured up to $250,000. Banking products and services provided by National Cooperative Bank, N.A. Member FDIC.


Customer Success Stories

Co-op to the Core
Co-op to the Core
13th Street Terrace residents reject a proposed condo conversion to retain their affordable, limited-equity housing co-op
NCB Is The Right Fit for NYC’s Kips Bay Towers
NCB Is The Right Fit for NYC’s Kips Bay Towers
When the board members of Kips Bay Towers Condominium decided their iconic property in New York City needed capital improvements, their work was only just beginning.
NCB Helps Riverbend Condominium Tackle Costly Repairs
NCB Helps Riverbend Condominium Tackle Costly Repairs
Working closely with property management and resident-owners, the bank helps this Virginia property resolve major building problems

Speak to a Co-op Housing and HOA Specialist: