As the festive season draws near, we pause to appreciate the heart of NCSL — you, our valued members.
Your continued trust and loyalty inspires us to deliver financial services that truly make a difference.
We extend our sincere gratitude to the employers who partner with us to facilitate seamless savings and
contributions. Your support ensures that many of our members can access the financial tools they need
when they need them most, especially during this special time of year.
At NCSL, we’re humbled to offer a range of products and services designed to help you to celebrate the
holidays with confidence and peace of mind:

• Christmas Savings Account – Earn 6% interest per annum and enjoy the benefits of saving ahead
  for your festive plans — whether it’s gifts, travel, or family gatherings.
• Personal Loans – As a Responsible Lender, we offer loans with flexible repayment terms to help
  you manage your seasonal expenses with ease and with interest rates starting as low as at 14%
  per annum,
• MyNCSL Member Online Web & Mobile App – Manage your savings and apply for loans anytime,
  anywhere — giving you full control over your finances without the need to visit a branch.
• Employer Visitation & Member Support – We’re here to help you make informed financial
  decisions on savings and loans and can arrange for visitation and support you need at your
  workplace, e.g. to provide financial literacy training

During this upcoming festive season, let NCSL as your trustworthy Savings & Loan Society, supporting you
to get organized for the celebrations by providing easily accessible and affordable financial services.
Whether you’re a member planning for Christmas or an employer supporting your team, a little help from
NCSL can go a long way.
Thank you for choosing NCSL. Thank you for growing with us.