What are the current interest rates at Northern Credit Union?

Current rates for Northern Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 0.90%, 24-Month CD: 0.90%, 60-Month CD: 0.03%, Savings: 0.05%

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Northern Credit Union

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Northern Credit Union Rates & Review August 2026

Q: How many branches does Northern Credit Union operate?

Northern Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Northern Credit Union?

Yes, to access services at Northern Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Northern Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northern Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Northern Credit Union's 6 month rates are at 3.40%, 12 month rates are at 3.35%, 6 month rates are at 2.90%, 12 month rates are at 2.75%, 12 month rates are at 2.25%. Northern Credit Union's savings rates are at 0.05%. Northern Credit Union's Personal Loan Rates are at 14.50%. MonitorBankRates evaluates the financial stability of Northern Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.51%. Rates last updated and verified on 08/28/2026.

Northern Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northern Credit Union? Share your experience about Northern Credit Union by leaving a review below, or read customer reviews before you decide to use Northern Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.51%

Excellent Higher than avg

Northern Credit Union
Corporate Office

138 Factory St
Watertown, NY 13601 1958

https://www.mynorthern.com

Northern Credit Union CD Rates

Product	Rate	APY	Term
6 month	-	3.40%	6 Months
Min Balance $10,000 Details Better** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
12 month	-	3.35%	12 Months
Min Balance $500 Details Best*** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
6 month	-	2.90%	6 Months
Min Balance $10,000 Details Basic* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
12 month	-	2.75%	12 Months
Min Balance $500 Details Better** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
12 month	-	2.25%	12 Months
Min Balance $500 Details Basic* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
18 month	-	2.00%	18 Months
Min Balance $500 Details Best*** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
24 month	-	2.00%	24 Months
Min Balance $500 Details Best*** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
30 month	-	2.00%	30 Months
Min Balance $500 Details Best*** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
18 month	-	1.40%	18 Months
Min Balance $500 Details Better** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
24 month	-	1.40%	24 Months
Min Balance $500 Details Better** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
30 month	-	1.40%	30 Months
Min Balance $500 Details Better** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
18 month	-	0.90%	18 Months
Min Balance $500 Details Basic* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
24 month	-	0.90%	24 Months
Min Balance $500 Details Basic* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
3 month	-	0.90%	3 Months
Min Balance $10,000 Details Better** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
30 month	-	0.90%	30 Months
Min Balance $500 Details Basic* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
3 month	-	0.40%	3 Months
Min Balance $10,000 Details Basic* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
36 - 60 month	-	0.03%	60 Months
Min Balance $500 Details Best*** Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Northern Credit Union Savings Rates

Product	Rate	APY
NEXT eSavings	-	5.00%
Min Balance $1,000 Details *These rates are blended for balances over $1,000. For example, if a member has $1,000 in savings they would receive dividends at the 5.00% APY rate on the first $1,000 in funds, then dividends at the 0.20% rate on any balances between $1,000.01 and $5,000.00, and then dividends at the 0.15% rate on any balances over $5,000. Earn 5.00% APY on all balances up to $1,000. Rates may change after the account is open. Fees incurred may reduce earnings on the account. Limit one NEXT eSavings account per social security number. You must have an open and active NEXT rewards Checking account. Rates accurate as of June 1, 2023. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	5.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	2.50%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	1.50%
Min Balance $75,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	1.00%
Min Balance $35,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.75%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.30%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.25%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.20%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.15%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.14%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Easy Savings Account NY	-	0.10%
Min Balance $500 Details *These rates are blended for balances over $499.99. For example, if a member has $499.99 in savings they would receive dividends at the 0.10% APY rate on the first $499.99 in funds, then dividends at the .15% rate on any balances between $500.00 and $9,999.99, and then dividends at the 0.05% rate on any balances over $9,999.99. Earn 0.10% APY on all balances up to $499.99. You may make one (1) withdrawal(s) or transfer(s) from your account each monthly statement cycle. Rates accurate as of June 1, 2023. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.10%
Min Balance $0 Details 1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Savings	-	0.05%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Northern Credit Union Checking Rates

Product	Rate	APY
Checking	-	2.00%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Premium Rewards Checking	-	2.00%
Min Balance $10,000 Details Rates may change after the account is open. Fees incurred may reduce earnings on the account. Qualifying transactions must post and clear to the account during the monthly qualification cycle, which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions. *Earn 2.00% APY on all balances up to $35,000. These rates are blended for balances over $35,000. For example, if a member has $40,000 in checking they would receive dividends at the 2.00% APY rate on the first $35,000 in funds, and then dividends at the blended 1.43% - 2.00% APY rate on the next $5,000 in funds. Limit one Premium Rewards checking account per person. Rates accurate as of January 31, 2025. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Checking	-	1.43%
Min Balance $35,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Checking	-	0.26%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Choice Rewards Checking	-	0.26%
Min Balance $15,000 Details *Earn .26% APY on all balances up to $15,000. These rates are blended for balances over $15,000. For example, if a member has $20,000 in checking they would receive dividends at the .26% APY rate on the first $15,000 in funds, and then dividends at the blended .15% - .26% APY rate on the next $5,000 in funds. Rates may change after the account is opened. Fees may reduce earnings. No minimum balance is required to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions. Limit one Choice Rewards Checking account per social security number. Rates accurate as of January 31, 2025. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Checking	-	0.15%
Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Checking	-	0.10%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Northern Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.41%	5 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loans and Lines of Credit	-	-	5.41%	60-months
Details Rates as low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	5.91%	5 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	6.16%	10 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	6.41%	5 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Line of Credit	-	-	6.50%
Details Thereafter rate (prime - .25%) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	6.66%	10 years
Details LTV up to 80% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
My Choice Home Equity Line of Credit - 1st Lien Position	6.75%	-	6.75%
Details Annual Percentage Rate. No Closing Costs as long as the line of credit remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin is based on the amount of the Credit Line, the borrower's credit history, and the Loan To Value (LTV) ratio. **1.99% APR is fixed for the first year when the borrower meets certain underwriting guidelines. After the first 12 months, it adjusts to a variable Prime Interest Rate -.25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount). Rates quoted are for up to 80% LTV, 90% LTV and 100% LTV. Rates are determined by term, overall credit history, LTV, and type of property. Wall Street Journal Prime Rate currently is 6.75%. Rates accurate as of 12/11/25. Rate cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner-occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Please review our HELOC disclosure and brochure for more information about HELOCs. Membership required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
My Choice Home Equity Line of Credit - 2nd Lien Position	6.75%	-	6.75%
Details Annual Percentage Rate. No Closing Costs as long as line remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower's credit history, and the Loan to Value ratio. Rate quoted is for up to 80% LTV, 90% LTV and 100% LTV. Rates determined by term, overall credit history, LTV, and type of property. Rates accurate as of 12/11/2025. Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Please review our HELOC disclosures and brochure for more information about HELOCs. Membership required. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
My Choice Home Equity Line of Credit NY	6.75%	-	6.75%
Details Annual Percentage Rate. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin based on the amount of the Credit Line, the borrower's credit history, and the Loan to Value ratio. 1.99% APR is fixed for the first six months, then adjusting to a variable Prime Interest Rate - .25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount) at A+ credit. Rate quoted is for 80% LTV. Alternate rates for LTVs of up to 100% of home's value are available depending on credit. Rates determined by term, overall credit history, LTV, and type of property. Rate Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. Rate accurate as of 12/1/2025. Rate subject to change. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner-occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Credit union membership is required. Please review our HELOC disclosure and brochure for more information about HELOCs. No Archive Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	6.91%	5 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	7.16%	10 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Line of Credit	-	-	7.25%
Details Rate: prime + .50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	7.41%	15 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	7.66%	10 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Loan	-	-	7.91%	15 years
Details LTV up to 90% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Line of Credit	-	-	8.00%
Details Rate: prime + 1.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
My Choice Home Equity Loan - 1st Lien Position	8.00%	-	8.00%	5 years
Details Annual Percentage Rate. No Closing Cost offer dictates the following being paid by Northern Credit Union: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home's value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick-built residences and seasonal residences only. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Membership required. Rates accurate as of 07/31/2024. Rates are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
My Choice Home Equity Loan - 2nd Lien Position	8.00%	-	8.00%	5 years
Details Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home's value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick-built residences and seasonal residences only. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Membership required. Rates accurate as of 07/31/2024. Rates subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
My Choice Home Equity Loan New York	8.00%	-	8.00%	five years
Details Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within three years. Rate quoted is for five years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home's value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick built residences and seasonal residences only. Membership required. Rates accurate as of 7/31/2024. Rates subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Line of Credit	-	-	8.25%
Details Rate: prime + 1.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Home Equity Line of Credit	-	-	9.00%
Details Rate: prime + 2.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Northern Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Northern Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	9.15%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Credit Cards	-	13.15%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Business Rewards Credit Card in NY	-	15.49%
Details APR= Annual Percentage Rate. The Business Rewards Visa® APR could be as low as 15.49-24.49%, based on your creditworthiness and other factors. These rates are current as of 1/6/2026. The introductory rate of 0% APR applies to balance transfers and purchases during the first 12-months after the account opening of a Business Rewards Visa® credit card. After the introductory period, your APR for those transactions and any other transactions and balance transfer requests, if approved, would revert to the APR set for your credit card. *Earn 1.5% cashback rewards for each purchase. Rewards never expire and are redeemable under your card management tools in MyCardInfo. Card approval is subject to underwriting guidelines. For NY residents only, call 877-667-8499 to redeem rewards up to 90 days after the account has been closed. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Credit Cards	-	15.49%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%
Credit Card	-	20.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Northern Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans and Lines of Credit	-	14.50%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Northern Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Northern Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Northern Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northern Credit Union

Website https://www.mynorthern.com

Address 138 Factory St, Watertown, NY 13601 1958

Phone 315-782-0155

Fax 315-782-8684

President Gary Rowe

CEO Daniel St Hilaire

Full-Time Employees 157

Part-Time Employees 1

Branch Locations 10

ATM Locations 10

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.51%

Return on Assets (ROA)

0.1666%

Return on Equity (ROE)

1.5619%

Non-Performing Loans Ratio (NPL)

0.91%

Total Assets

657,957,093

Total Amount of Shares and Deposits

574,047,852

Total Shares and Deposits < 1 Year

571,344,078

Total Shares and Deposits 1 3 Years

2,033,459

Total Shares and Deposits > 3 Years

670,315

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

32,845,585

Total Uninsured Shares and Deposits > $250K (F+J)

32,845,585

Total Insured Shares and Deposits > $250K (item 17 less item K)

541,202,267

Total Interest Expense (Sum of items 6 8)

6,775,852

Share Certificates

2,435

Number of Accounts for Share Drafts

39,115

IRA KEOGH Accounts

766

Number of Accounts for Regular Shares

65,274

All other shares

1,654

Non Member Deposits

Money Market Shares

234

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

50,230,676

Total Liabilities

592,776,113

Source: NCUA — Last Updated 09/30/2025

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☆☆☆☆☆

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Frequently Asked Questions About Northern Credit Union

How many branches does Northern Credit Union operate?

Northern Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Northern Credit Union?

Yes, to access services at Northern Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Northern Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northern Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northern Credit Union offer online and mobile banking?

Most modern institutions like Northern Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mynorthern.com.