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Resources Menu

Resources

Making things easier for you to achieve your goals by offering resources, workshops, and more to assist you along your financial journey.

Education

Why Building Credit Early Matters

Posted: Monday May 18, 2026

Building a strong financial future starts with understanding credit. While it may seem like something to worry about later in life, establishing credit early can create important opportunities and help young adults build long-term financial confidence. Credit is more than just borrowing money — it’s a reflection of how responsibly you manage your financial obligations…. Read more »

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Why It’s Important to Start Saving Young

Posted: Tuesday April 21, 2026

Learning to save money is one of the most valuable lessons a young person can carry into adulthood. Too often, people do not begin thinking seriously about saving until they enter the workforce or face major expenses. Encouraging children and teens to build strong saving habits early can have a lasting impact on their financial… Read more »

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Growing Savings: The Financial Benefits of a Home Vegetable Garden

Posted: Monday March 16, 2026

Planting a vegetable garden is more than a rewarding hobby — it can also be a practical way to strengthen your household budget. With grocery prices continuing to fluctuate, growing your own food offers both immediate savings and long-term financial benefits. Lower Grocery Bills One of the most noticeable advantages of gardening is reduced spending… Read more »

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What to Do with Your Tax Refund: Smart Ways to Make Your Tax Refund Work Harder for You

Posted: Tuesday February 24, 2026

For many people, a tax refund feels like a bonus paycheck. While it can be tempting to spend it immediately, your refund is a valuable opportunity to strengthen your financial future. Whether your refund is large or small, having a thoughtful plan can help reduce stress, build financial security, and move you closer to your… Read more »

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Make Your Money Work Smarter This Year: Setting SMART Financial Goals

Posted: Tuesday January 20, 2026

A new year always brings fresh motivation—especially when it comes to taking control of your finances. But here’s the truth most people never say out loud: goals like “spend less” or “save more” sound great, but they’re not specific enough to create real change. That’s where the SMART financial goal framework comes in. It helps… Read more »

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94 Silver Street, Waterville, ME 04901 (207) 872-2771
245 Madison Ave, Skowhegan, ME 04976 (800) 326-6190
Drive-Thru Hours: Monday – Friday 8 am-5 pm iTalk Banking:
Lobby Hours: Monday – Friday 9 am-5 pm (207) 313-5106

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  • Home
  • Accounts
    • Savings Accounts
      • Youth Savings
      • High – Yield Certificate Savings
      • Health Savings Accounts
      • Coverdell Education Savings
      • Club Accounts
    • Debit Card/Checking Accounts
      • Free Kasasa Cash® Checking
      • Free Kasasa Cash Back® Checking
      • NDFCU Everyday Rewards
      • Basic Checking
      • Take Charge Young Adult Debit Card/Checking Account
      • Reorder Checks
      • Overdraft Protection Options
    • Become a Member
    • IRAs
    • Share & IRA Certificates
    • Deposit Rates
    • Open an Account!
    • New Member Application Status
  • Loans
    • Apply for a Loan
      • Existing Member Consumer Loan
      • New Member Consumer Loan
      • Apply for a mortgage
      • Apply for a Home Equity Loan
      • Check Loan Application Status
    • Apply for a Credit Card
    • Loan Rates
    • First Time Auto Buyer
    • Auto Financing
    • FICO Fit Loan
    • Energy Loan
    • Student Loans
    • Make a Loan Payment
    • Make a Credit Card Payment
    • Debt Protection Options
      • Loan Protection Programs
      • Guaranteed Asset Protection
      • Vehicle Service Contract Coverage
    • Skip-a-Pay Program
  • Business
    • Business Checking Accounts
    • Business Loans
    • Business Credit Cards
    • Merchant Services
    • SEP IRAs
    • Business HSAs
    • Retirement Plans
  • Services
    • Insurance
    • Financial Coaching
    • Digital Banking
    • Mobile Banking
    • iTalk Banking
    • Bill Pay
    • Safe Deposit Boxes
    • SURF ATM Locator
    • Shared Branching Locations
    • Google / Apple Pay
    • Prepaid Cards
  • Resources
    • Fraud Prevention
    • Financial Resources
    • Careers
    • Shared Branching
    • Pass It On: The Referral Program
    • Calculators
    • Youth Scholarships
    • $25 Match Savings Promotion
    • NDFCU Fundraising
    • Blog Sections
      • News
      • Education
      • Did you know?
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    • Disclosures
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