Notice of Annual Meeting of Northern Lights FCU
Date: August 19, 2026,
Time: 5:45pm
Location: Littleton Community Center
120 Main St Littleton, NH 03561
Light refreshments provided.

Northern Lights is once again pleased to be rated a Five Star credit union by Bauer Financial. Our success could not be achieved without the support of our membership and communities. Learn More

 

If you are traveling outside of the United States, please notify the credit union at 800-856-0026 if you are using your Debit Card.  Thank you.

Northern Lights Federal Credit Union is proud to announce the David Wiley Trades Scholarship – a $2,500 award for students pursuing careers in the trades. Learn More

Wire cut off time is 3:00 p.m. every business banking day.

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The Northern Lights Credit Union Conversion Guide

The management and staff of Northern Lights Federal Credit Union are excited to introduce our new core operating system.

There will be many new features being rolled out over the next few months to improve your overall banking experience.

We understand there are always some initial challenges with a major conversion regardless of all our work and efforts to minimize impact on our valued members and customers.

We appreciate your patience in this process and look forward to serving you with many enhanced services.

Please make note of the conversion dates outlined below.

Consider increasing your cash on hand for the weekend of January 31st as our branches will close Friday January 31st at 5:00 p.m. and will not reopen until Tuesday February 4th.

Please also take the opportunity to download or print off your e-statements as these will no longer be available after Friday January 31, 2025.

We look forward to seeing you on Tuesday February 4th.

Sincerely,

The Northern Lights Credit Union Team

What will be changing for our membership

and what is staying the same

With the emphasis of this upgrade focusing on improvements, you will see a few things are changing, including:
  • Some Account and All Loan Suffixes
  • New and Updated Online Banking
  • New Mobile App
  • Text Banking
  • Our Core Banking System
Don’t worry, you’re in great hands with the team at NLFCU and we’ll be there to walk you through anything you might not understand. While a few things may be changing, many things will remain the same:
  • Service: You will have the same friendly NLFCU Credit Union staff, along with the same great service.
  • Member Numbers: Most membership numbers will NOT change. All suffix numbers will change.
  • Debit/ATM and Checks: You can still use your current Debit/ATM cards and checks.
HAVE QUESTIONS? For questions during the initial upgrade, please call 802-748-2288 or email us at info@northernlightscu.com.

NEW ACCOUNT & LOAN SUFFIXES

CHECKING/SAVINGS
ACCOUNT
Primary Savings:  000
Secondary Savings: 001-019
Youth Savings: 50-51
Business Savings: 60
Premier Savings: 30
Christmas Club: 40-41
Sky Checking: 100-110
Roots Checking: 100-110
Nonprofit Checking: 110-115
Business Checking: 120-125
Money Market: 130-135
Traditional IRA: 200
Roth IRA: 205
Escrow: 250-251
Certificates of Deposit: 300-349

LOANS
ACCOUNT
New Auto: 500-509
Used Auto: 520-529
Recreational: 540-549
SH/CD Secured Loans: 560-589
Unsecured Loans: 590-599
Workout Consumer: 610-619
Business Loans: 630-639
Closed End Home Equity: 700-705
Business Real Estate Loans: 710-715
HELOC – Fixed: 800-805
HELOC – Variable: 810-815
Business LOC: 820-825

Upgrade timeline

what to expect and when to expect it

PLAN AHEAD! We suggest you make appropriate cash withdrawal prior to closing on Friday, January 31,2025. The credit union will post all Direct Deposits and electronic payments received on Friday, January 31st. Any Direct Deposits or electronic payments received after that time will be posted on Monday, February 3rd. FRIDAY, January 31, 2025 SERVICES GOING OFFLINE As of 5 PM, the following NLFCU services will go offline: online banking, phone banking, and mobile banking.
  • ACH deposits scheduled for January 31st will be posted prior to systems going offline. Any ACH deposit received after that time will be processed on Monday, February 3rd.
  • Print a copy or write down any of your automatic transfers that were set up in online banking to verify that they have all transferred into the new online banking system.
Saturday February 1st all branches will be closed. MONDAY, February 3, 2025 All NLFCU Credit Union branches will be CLOSED while systems are upgraded.

IMPORTANT
READ OVER THIS UPGRADE IN ITS ENTIRETY.

Monday February 3, 2025 The new Online Banking portal will go live to members, replacing current Mobile. Members will need to re-enroll. For instructions on how to login, please see below.
  • NLFCU Phone Banking will be available on February 3rd.
  • ltsMe247 Online Banking and Mobile Web: Log in using first-time login instructions provided on the next page.
  • Please Note: all Mobile Apps will be available as soon as Google and Apple release. Please check the NLFCU web-site and Facebook for updates.
TUESDAY, February 4, 2025 All NLFCU Credit Union branches will RE-OPEN for regular business hours. WEEK OF February 4, 2025 The new NLFCU Mobile App will be in approval process with Google and Apple. We will update members as soon as services are available. Please follow us on social media or visit our website for the most current information. App will be available for both Apple and Android devices.
  • Android users will need to delete your old NLFCU Mobile app, search for “NLFCU Mobile” in the app store and log in using the same credentials as lt’sMe247 Online Banking.
  • Apple users will have an option to upgrade their current NLFCU app after the core upgrade.

Introducing our newest online and mobile banking products

Upgrading our core processing system will allow us to offer great new products and services. Online Banking will have a new look and new functionality, as will our mobile app and mobile web service. NLFCU Anytime Telephone response will be re-branded, but will not change functionally.

New Online Banking

IT'S ME 24/7 ONLINE BANKING

You will notice a new online banking platform as a result of our computer system upgrade. As such, you will need to re-enroll in this service when you access it for the first time.
  • Accessing Online Banking: You will continue to go to northernlightscu.com to access our Online Banking platform. If you have previously bookmarked an old login page, you will need to update your bookmark.
  • Username: For all users, your username/login will be your NLFCU member number. You will then have the option to create a new username if you choose.
  • Passwords: Select “First Time User,” enter member #, then the eight-digit password will be the full SSN PRIMARY member’s SSN. You will then select either phone or e-mail to receive an authorization code. You will be prompted to create a new password after you log in for the first time and that will be your password going forward.

NEW Mobile Banking App

ITSME247 MOBILE BANKING APP

Mobile banking will also be more user-friendly and provide more functionality, including these features:
  • Mobile check deposit
  • Ability to see transaction details when viewing history
  • Ability to apply for a loan
Mobile apps can be downloaded from the Apple App Store and Google Play. Simply search for “NLFCU Mobile” to find our new apps. Mobile Web will also be available via web browsers such as Safari, Firefox, or Google Chrome.

Security Settings: As part of your re-enrollment, you will select new security questions and answers.

eAlerts: You will need to re-establish your alerts in our new online banking platform. The last day you will receive eAlerts from our current online banking platform will be 1/31/2025.

Bank-By-Phone Updates

NLFCU Phone Banking

Here are first-time login instructions:
  • Call 800-860-5704 (toll-free).
  • Enter your member number, then 399#.
  • Enter your temporary PIN (the last four digits of the Primary Account holder’s Social Security number), then press#.
  • You will be prompted to enter a new PIN, then press#.
  • Confirm your new PIN.
Select a Main Menu Option:
  1.  Account inquiries, including balances and recent transactions
  2. Funds transfers
  3. Hear current rates or calculate estimated loan payments
  4. Change your PIN
  5. Change to a different member number
  6. Other CU services, including locations and hours
  7. Repeat this menu
  8. End the call
  9. CU Talk Tutorial (press * to exit the tutorial and return to the main menu)
Note: NLFCU Phone Banking can only be accessed by calling the toll­ free number listed above. If you had previously established a transfer in NLFCU Phone Banking, it will need to be set UP- again after up-grade.

ACH Deposit Timing: Our upgraded system will have the ability to post ACH deposits to member accounts multiple times per day; however, the timing of the deposits will change somewhate with the system.

*NEWBANK By Text

ITSME247 Text Banking

Get quick information about all your NLFCU accounts with our new lt’sMe247 Text Banking. With text banking, you can do the following:
  • Send a text command and receive replies for account balances.
  • Enroll in e-Alerts to be notified of your balances, when electronic deposits or withdrawals are made or when a payment is due.
Here’s how to enroll in lt’sMe247 Text Banking:
  • Log in to lt’sMe247 Online Banking at northernlightscu.com.
  • Click the Go Mobile button on the toolbar.
  • Select Text Banking Home.
  • Follow the prompts to enroll.
  • After enrollment text commands to IM247 46247

Note on Text Banking: A list of text banking commands will be provided to you during the enrollment process. There is no NLCFU fee associated with text banking, but your mobile carrier’s standard text messaging fees will apply.

HAVE QUESTIONS? For questions during the initial upgrade, please call 802-748-2288 or email us at info@northernlightscu.com. We expect a high volume of calls during this time and ask your patience as we work to serve everyone as promptly as we can.