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New Membership

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Eligibility
Applying is fast and easy!
You will need the following information in order to complete the application:
Government issued ID/Drivers License/State ID or Passport with current address
Your complete physical and mailing address
Social Security Number
Date of Birth
Select your eligibility
I live in Nassau or Suffolk County.
Zip Code:
I work in Nassau or Suffolk County.
Employer's Name:Employer's Zip Code:
I can be sponsored by an existing NEFCU member who is an immediate family member or a household member.
Sponsor's Relationship:Sponsor's Name:
I attend school in Nassau or Suffolk County.
Name of school:Zip Code of school:
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Required Products
Membership Savings Account

Save at a better rate. Grow what’s yours. Open a savings account to get competitive interest rates. Access cash at thousands of fee-free ATMs nationwide or with Online and Mobile Banking, available 24/7.

APY: 0.30% Min Deposit: $0.00

Available Products
Money Market

Get rewarded for growing your balance! Our Money Market account rates increase as your balance does. Grow your savings, but still withdraw money when and where you need it.

Max APY: 1.60% Min Deposit: $2,500.00

Go Green Checking

Our free checking account gives you access to Online and Mobile Banking, with no minimum balance requirements, no monthly fees and no minimum to open. Your first order of checks is even free and you can get cash fee-free at over 55,000 ATMs. Plus, you can earn interest just by doing the things you already do—like paying for stuff with your Debit Card, going paperless and using Direct Deposit or Bill Pay. Do these things and we will also refund up to $20 a month in ATM fees when you use out-of-network ATMs.

APY: 3.00%

Tuition Builder

A smart savings vehicle for educational expenses such as college tuition, room and board, and more. This account type can be accessed for educational expenses when presenting a tuition bill, or at any time within the designated withdrawal periods from June 1st–June 30th and December 1st–December 31st of each calendar year.

APY: 1.23% Min Deposit: $100.00

Holiday Account

Looking to make your holiday, vacation, or kids’ summer camp experience the best one ever? A Jovia Holiday, Vacation or Camp account can help you save for these special occasions.

APY: 0.30%

Vacation Account

Looking to make your holiday, vacation, or kids’ summer camp experience the best one ever? A Joiva Holiday, Vacation or Camp account can help you save for these special occasions.

APY: 0.30%

Camp Account

Looking to make your holiday, vacation, or kids’ summer camp experience the best one ever? A Jovia Holiday, Vacation or Camp account can help you save for these special occasions.

APY: 0.30%

3 Month Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 0.50% Min Deposit: $1,000.00

6 Month Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 1.00% Min Deposit: $1,000.00

1 Year Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 1.70% Min Deposit: $1,000.00

18 Month Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.05% Min Deposit: $1,000.00

2 Year Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.00% Min Deposit: $1,000.00

30 Month Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.20% Min Deposit: $1,000.00

3 Year Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.10% Min Deposit: $1,000.00

4 Year Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.20% Min Deposit: $1,000.00

5 Year Term Certificate

Our Certificate accounts are great for a short or long-term investment that offers you a guaranteed high rate with a low minimum opening balance for terms from 3 months to 5 years.

APY: 2.30% Min Deposit: $1,000.00

APY (Annual Percentage Yield)
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Funding

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Funding
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Tell Us About Yourself

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Tell Us About Yourself
Personal Information
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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

Click here to upload any required documentation (Drivers License, Passport, etc.)

Co-Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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Speed up your application process by taking the BACK image of your US driver's license.
If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
Click here to upload any required documentation (Drivers License, Passport, etc.)

Document Upload Source Selector

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Document Upload Source Selector

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Review and Submit

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Review and Submit
Product Selections
Applicant Information
Contact Information
Identification Information
Address
Employment Information
Previous Employment Information
Joint Applicant Information
Joint Applicant Contact Information
Joint Applicant Identification
Joint Applicant Address
Joint Applicant Employment Information
Funding Source
Review Minor Information
Minor Information
Minor Contact Information
Minor Physical Address
Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the "I Agree" button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and may obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

Authentication Questions

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Authentication Questions

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