• Mr. and Mrs. Huang emigrated from China and were not able to open utilities accounts or rent housing because they did not have any credit scores. NECFCU assisted them by directing them to the credit union’s Fresh Start Program. After participation in this program, they were able to establish a credit score and received multiple offers of credit from conventional banks.
• Juan had a poor credit score when he came to the NECFCU for help. He opened a $500 Fresh Start Loan and was able to make regular monthly payments of $50. The payments accumulated in the account as savings and at the end of the loan term, he received the entire amount of $500 and dividends earned. The credit union in turn reported the timely payments to credit bureaus to help him establish a better credit score.​​
• Ms. Smith is a young woman who was on the CHEX system. Unable to open a bank account at the conventional banks, she was cashing her paychecks at the payday cashing outlets paying exorbitant fees unable to save any money. Upon recommendation from another member, she opened an account with the credit union. She is very happy to have someone budget and manage her funds. Presently, she has over $10,000 in her savings account which is the most she has ever saved.
• A member, referred to as Jane, who has been living in the Tenderloin district of San Francisco had trouble keeping her money safe. Each month, she receives a check from Social Security to help her maintain a stable living. However, due to her living in the Tenderloin with no sufficient banking service, her monthly checks were frequently stolen. After opening an account with NECFCU  and setting up a direct deposit, she was able to build up her account balance and save enough funds to pay for her wedding.
• S.H. has been a member since October 2003. Since opening his account, he has maintained good standing with the credit union and has been able to build his account gradually. While he was incarcerated in San Quentin, he sent requests through the mail for a check withdrawal from his account. Upon review and confirmation of his identity, NECFCU was able to assist him. The first check was unable to be accepted due to San Quentin regulations on maximum check amounts. After multiple efforts and accommodations made by both parties, NECFCU was able to provide S.H. with his transaction.