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National Cooperative Services Corporation


The National Cooperative Services Corporation (NCSC), a privately funded, member-owned cooperative that began operation in 1981, provides specialized financing services to supplement CFC’s services to electric cooperatives. NCSC operates under a management services agreement with CFC and obtains funding through loans from CFC. Together, the two organizations provide an extensive array of financial products and services that offer value to our members. Learn More About CFC »

NCSC is governed by its own 10-member board of directors, but its goals and objectives are closely aligned with those of CFC. While CFC provides financing to its members for nonprofit services, NCSC can lend to members, non-members and for-profit entities as long as the activity benefits the cooperative network. NCSC provides:

  • Financing in support of for-profit subsidiaries of electric cooperatives
  • Business solutions to help cooperatives run their businesses more efficiently
  • Transitional and permanent financing for acquisitions and other special projects
  • Financing for cooperative partners

The organization has also helped cooperatives expand their reach through loans for telecommunications, non-electric products and economic development.

It provides financing at competitive rates, including short- and long-term loans with fixed or variable interest rates for periods ranging from one month to 30 years.

Providing loans for economic and business development through its associate loan program is another way NCSC helps its members become more competitive. These loans provide the means for electric cooperatives—through their subsidiary organizations—to offer non-electric services to their members and invest in local community projects.

NCSC has funded many types of projects through the associate loan program, including community development, water/wastewater projects and propane services.