New photometric observations of NSVS 01286630 were performed and two sets of four-color (B, V , Rc , Ic) light curves (LCs) were obtained. Using the 2013 version of the Wilson-Devinney (W-D) code, we analyzed these data. The photometric solutions reveal that NSVS 01286630 is an active detached eclipsing binary (EB) with a high orbital inclination (nearly 90°). Remarkably, the temperature of the primary component (the hotter star) is higher than the secondary one, but the value of mass ratio for NSVS 0128663 is more than 1, which can be explained in that the surface of the secondary $q(M_2/M_1)$ component of NSVS 01286630 is covered with big cool starspots. Based on our new CCD mid-eclipse times and the data published until now, variations in the mid-eclipse times were reanalyzed in detail using a weighted least-squares method. It is discovered that the (O - C) diagram of the system shows a cyclic oscillation with a period of 3.61 yr and an amplitude of 0.001 d. The cyclic variation may be caused by the light-travel time effect (LTTE) due to the presence of a third companion, whose mass we calculated as $M_3 sin(i_3) = 0.11$ M☉. The third body may affect the orbital evolution of the central binary system by transferring angular momentum.