What are the current interest rates at Northern Credit Union?

Current rates for Northern Credit Union include: 12-Month CD: 3.35%, 18-Month CD: 2.00%, 24-Month CD: 2.00%, 60-Month CD: 0.03%, Savings: 5.00%, MMA: 2.00%

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Northern Credit Union

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Northern Credit Union Rates & Review October 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: October 10, 2026

Northern Credit Union's top rates as of October 10, 2026 are 4.00% APY on its CDs - 10 month CD, 5.00% APY on savings, 2.00% APY on money market accounts, 2.00% APY on checking, rv, boat and powersport loans from 8.99% APR, and credit cards from 9.40% APR, according to rates verified by MonitorBankRates. Other Northern Credit Union CD rates include CDs - 3 month at 4.00%, CDs - 6 month at 4.00%, and CDs - 12 month at 3.35%. 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 9.67%. Rates last updated and verified on 10/10/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.67%

Excellent Higher than avg

Northern Credit Union
Corporate Office

138 Factory St
Watertown, NY 13601-1958

https://www.mynorthern.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Northern Credit Union CD Rates

Product	Rate	APY	Term
Share Certificates - 10 month	-	4.00%	10 Months
Min Balance $10,000 Details Balance: $10,000+; Basic: 2.90% APY; Better: 3.40% APY; Best: 4.00% APY; **: $10,000+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 3 month	-	4.00%	3 Months
Min Balance $10,000 Details Balance: $10,000+; Basic: 2.90% APY; Better: 3.40% APY; Best: 4.00% APY; **: $10,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 6 month	-	4.00%	6 Months
Min Balance $10,000 Details Balance: $10,000+; Basic: 2.90% APY; Better: 3.40% APY; Best: 4.00% APY; **: $10,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 12 month	-	3.35%	12 Months
Min Balance $500 Details Balance: $500+; Basic: 2.25% APY; Better: 2.75% APY; Best**: 3.35% APY Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 18 month	-	2.00%	18 Months
Min Balance $500 Details Balance: $500+; Basic: 0.90% APY; Better: 1.40% APY; Best**: 2.00% APY Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 24 month	-	2.00%	24 Months
Min Balance $500 Details Balance: $500+; Basic: 0.90% APY; Better: 1.40% APY; Best**: 2.00% APY Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 30 month	-	2.00%	30 Months
Min Balance $500 Details Balance: $500+; Basic: 0.90% APY; Better: 1.40% APY; Best**: 2.00% APY Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Share Certificates - 36 - 60 month	-	0.03%	36-60 months
Min Balance $500 Details Balance: $500+; Basic: 0.03% APY; Better: 0.03% APY; Best**: 0.03% APY Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.03% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Savings Rates

Product	Rate	APY
NEXT eSavings	-	5.00%
Min Balance $0 Details Balance: $0 to $1,000.00 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
High Yield Savings	-	2.50%
Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 5.00% → 2.50% ▼ 2.50 pts · high 5.00% / low 2.50% Oct 10, 20262.50%▼ from 5.00% Sep 27, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
High Yield Savings	-	1.50%
Min Balance $75,000 Details Balance: $75,000.00 to $249,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 5.00% → 1.50% ▼ 3.50 pts · high 5.00% / low 1.50% Oct 10, 20261.50%▼ from 5.00% Sep 27, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
High Yield Savings	-	1.00%
Min Balance $35,000 Details Balance: $35,000.00 - $74,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 5.00% → 1.00% ▼ 4.00 pts · high 5.00% / low 1.00% Oct 10, 20261.00%▼ from 5.00% Sep 27, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
High Yield Savings	-	0.75%
Min Balance $0 Details Balance: $0.00 - $34,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 5.00% → 0.75% ▼ 4.25 pts · high 5.00% / low 0.75% Oct 10, 20260.75%▼ from 5.00% Sep 27, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Basic Savings Account NY	-	0.20%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 0.20% ▲ 0.10 pts · high 0.20% / low 0.10% Oct 10, 20260.20%▲ from 0.10% Sep 27, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Christmas and Vacation Club Savings	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 and over Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.00% → 0.20% ▼ 2.80 pts · high 3.00% / low 0.20% Oct 10, 20260.20%▼ from 3.00% Sep 27, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Own Savings	-	0.20%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
NEXT eSavings	-	0.20%
Min Balance $1,000 Details Published APY range: 0.20% - 5.00%. Balance: $1,000.01 to $5,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 5.00% → 0.20% ▼ 4.80 pts · high 5.00% / low 0.20% Oct 10, 20260.20%▼ from 5.00% Sep 22, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Smart S.T.A.R.T. Savings	-	0.20%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Basic Savings Account NY	-	0.15%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 10, 20260.15%▲ from 0.10% Sep 27, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Christmas and Vacation Club Savings	-	0.15%
Min Balance $5,000 Details Balance: $5,000.00 to $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.00% → 0.15% ▼ 2.85 pts · high 3.00% / low 0.15% Oct 10, 20260.15%▼ from 3.00% Sep 27, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Easy Savings Account NY	-	0.15%
Min Balance $5,000 Details Balance: $5,000 to $9,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 10, 20260.15%▲ from 0.10% Sep 22, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Own Savings	-	0.15%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
NEXT eSavings	-	0.15%
Min Balance $5,000 Details Published APY range: 0.15% - 0.20%. Balance: $5,000.01 and over Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 5.00% → 0.15% ▼ 4.85 pts · high 5.00% / low 0.15% Oct 10, 20260.15%▼ from 5.00% Sep 22, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Smart S.T.A.R.T. Savings	-	0.15%
Min Balance $5,000 Details Balance: $5,000 to $24,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Easy Savings Account NY	-	0.14%
Min Balance $2,500 Details Published APY range: 0.14% - 0.15%. Balance: $2,500 to $4,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.10% → 0.14% ▲ 0.04 pts · high 0.14% / low 0.10% Oct 10, 20260.14%▲ from 0.10% Sep 22, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Basic Savings Account NY	-	0.10%
Min Balance $0 Details Balance: $0 to $49.991 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Basic Savings Account NY	-	0.10%
Min Balance $50 Details Balance: $50 to $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Christmas and Vacation Club Savings	-	0.10%
Min Balance $0 Details Balance: $0 to $49.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.00% → 0.10% ▼ 2.90 pts · high 3.00% / low 0.10% Oct 10, 20260.10%▼ from 3.00% Sep 27, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Christmas and Vacation Club Savings	-	0.10%
Min Balance $50 Details Balance: $50.00 to $4,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 3.00% → 0.10% ▼ 2.90 pts · high 3.00% / low 0.10% Oct 10, 20260.10%▼ from 3.00% Sep 27, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Easy Savings Account NY	-	0.10%
Min Balance $0 Details Balance: $0 to $499.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Easy Savings Account NY	-	0.10%
Min Balance $500 Details Published APY range: 0.10% - 0.14%. Balance: $500 to $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Own Savings	-	0.10%
Min Balance $0 Details Balance: $0 to $49.991 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Own Savings	-	0.10%
Min Balance $50 Details Balance: $50 to $4,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Smart S.T.A.R.T. Savings	-	0.10%
Min Balance $0 Details Balance: $0 to $49.991 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Smart S.T.A.R.T. Savings	-	0.10%
Min Balance $50 Details Balance: $50 to $4,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Easy Savings Account NY	-	0.05%
Min Balance $10,000 Details Published APY range: 0.05% - 0.15%. Balance: $10,000 and over Last Updated 10/10/2026 Rate History 1 change since Sep 22, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Oct 10, 20260.05%▼ from 0.10% Sep 22, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Business Savings Rates

Product	Rate	APY
Business Savings Account NY	-	0.10%
Min Balance $50 Details Balance: $50-$4,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 10, 20260.10%▲ from 0.05% Sep 27, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Savings Account NY	-	0.10%
Min Balance $5,000 Details Balance: $5,000-$24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 10, 20260.10%▲ from 0.05% Sep 27, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Savings Account NY	-	0.10%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 10, 20260.10%▲ from 0.05% Sep 27, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	0.30%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.25% → 0.30% ▲ 0.05 pts · high 0.30% / low 0.25% Oct 10, 20260.30%▲ from 0.25% Sep 27, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Money Market	-	0.25%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Money Market	-	0.20%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.25% → 0.20% ▼ 0.05 pts · high 0.25% / low 0.20% Oct 10, 20260.20%▼ from 0.25% Sep 27, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Money Market	-	0.15%
Min Balance $0 Details Balance: $0 to $9,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 27, 2026 · 0.25% → 0.15% ▼ 0.10 pts · high 0.25% / low 0.15% Oct 10, 20260.15%▼ from 0.25% Sep 27, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account	-	2.00%
Min Balance $0 Details Balance: $0.01 - $9,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Money Market Account	-	2.00%
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Money Market Account	-	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Money Market Account	-	2.00%
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Checking Rates

Product	Rate	APY
Premium Rewards Checking	-	2.00%
Min Balance $0 Details Balance: $0 to $10,000.00* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Premium Rewards Checking	-	2.00%
Min Balance $10,000 Details Balance: $10,000.01 to $35,000.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Premium Rewards Checking	-	1.43%
Min Balance $35,000 Details Published APY range: 1.43% - 2.0%. Balance: $35,000.01 to $50,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 1.43% ▼ 0.57 pts · high 2.00% / low 1.43% Oct 10, 20261.43%▼ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Choice Rewards Checking	-	0.26%
Min Balance $0 Details Balance: $0.00 to $15,000.00 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Choice Rewards Checking	-	0.15%
Min Balance $15,000 Details Published APY range: 0.15% - 0.26%. Balance: $15,000.01 to $50,000.00 Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.26% → 0.15% ▼ 0.11 pts · high 0.26% / low 0.15% Oct 10, 20260.15%▼ from 0.26% Sep 18, 20260.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Choice Rewards Checking	-	0.10%
Min Balance $50,000 Details Published APY range: 0.10% - 0.15%. Balance: $50,000.01+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 0.26% → 0.10% ▼ 0.16 pts · high 0.26% / low 0.10% Oct 10, 20260.10%▼ from 0.26% Sep 18, 20260.26%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Premium Rewards Checking	-	0.10%
Min Balance $50,000 Details Published APY range: 0.10% - 1.42%. Balance: $50,000.01+ Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 0.10% ▼ 1.90 pts · high 2.00% / low 0.10% Oct 10, 20260.10%▼ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
My Choice Home Equity Loan - 1st Lien Position	-	-	5.41%	5 years
Details Loan Amount: $15,000+; LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 2nd Lien Position	-	-	5.91%	5 years
Details Loan Amount: $15,000+; LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.91% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 1st Lien Position	-	-	6.16%	10 years
Details Loan Amount: $15,000+; LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.16% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 1st Lien Position	-	-	6.41%	5 years
Details Loan Amount: $15,000+; LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 1st Lien Position	-	-	6.41%	15 years
Details Loan Amount: $15,000+; LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 2nd Lien Position	-	-	6.66%	10 years
Details Loan Amount: $15,000+; LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.66% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Line of Credit - 1st Lien Position	-	-	6.75%
Details thereafter (prime - .25%); LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 2nd Lien Position	-	-	6.91%	5 years
Details Loan Amount: $15,000+; LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.91% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 2nd Lien Position	-	-	6.91%	15 years
Details Loan Amount: $15,000+; LTV: up to 80% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.91% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 1st Lien Position	-	-	7.16%	10 years
Details Loan Amount: $15,000+; LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.16% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 1st Lien Position	-	-	7.41%	15 years
Details Loan Amount: $15,000+; LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.41% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Line of Credit - 1st Lien Position	-	-	7.50%
Details (prime + .50%); LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 2nd Lien Position	-	-	7.66%	10 years
Details Loan Amount: $15,000+; LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.66% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Loan - 2nd Lien Position	-	-	7.91%	15 years
Details Loan Amount: $15,000+; LTV: up to 90% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.91% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Line of Credit - 1st Lien Position	-	-	8.25%
Details (prime + 1.25%); LTV: up to 100% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Line of Credit - 2nd Lien Position	-	-	8.50%
Details As Low As; LTV: up to 90%; Rate: prime + 1.50% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Choice Home Equity Line of Credit - 2nd Lien Position	-	-	9.25%
Details As Low As; LTV: up to 100%; Rate: prime + 2.25% Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.99%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational - Boats, Motorhomes, Campers, RVs, etc. Loan	7.61%	7.61%	84 months
Details Model Year: 2022-2025. Min. loan for term: $500. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership is required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.61% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - Boats, Motorhomes, Campers, RVs, etc. Loan	7.86%	7.86%	120 months
Details Model Year: -. Min. loan for term: $25,000. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership is required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.86% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - Boats, Motorhomes, Campers, RVs, etc. Loan	8.11%	8.11%	144 months
Details Model Year: -. Min. loan for term: $50,000. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership is required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.11% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - Boats, Motorhomes, Campers, RVs, etc. Loan	8.37%	8.37%	84 months
Details Model Year: 2019-2021. Min. loan for term: $500. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership is required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.37% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - Boats, Motorhomes, Campers, RVs, etc. Loan	8.62%	8.62%	120 months
Details Model Year: -. Min. loan for term: $25,000. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership is required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.62% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - Boats, Motorhomes, Campers, RVs, etc. Loan	8.87%	8.87%	144 months
Details Model Year: -. Min. loan for term: $50,000. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership is required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.87% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - ATV, Snowmobiles, Personal Watercraft, etc. Loan	8.99%	8.99%	48 months
Details Model Year: 2024 and Newer. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Rates subject to change. Loans for model years 2019 and older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - ATV, Snowmobiles, Personal Watercraft, etc. Loan	9.99%	9.99%	48 months
Details Model Year: 2022-2023. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Rates subject to change. Loans for model years 2019 and older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa	-	9.40%
Details Published APR range: 9.40% - 18.40%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Platinum Rewards Visa	-	13.40%
Details Published APR range: 13.40% - 19.40%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.40% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Rewards Credit Card	-	15.74%
Details Published APR range: 15.74% - 24.74%. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 15.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Secured Visa	-	20.49%
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 20.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Personal Loan Rates

Product	APR	Term
Recreational - ATV, Snowmobiles, Personal Watercraft, etc. Loan	8.99%	48 months
Details Model Year: 2024 and Newer. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Rates subject to change. Loans for model years 2019 and older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Personal Loans In New York	9.24%	0-24 months
Details The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage . Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Personal Loans In New York	9.49%	25-48 months
Details The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage . Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Personal Loans In New York	9.99%	49-72 months
Details The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage . Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Recreational - ATV, Snowmobiles, Personal Watercraft, etc. Loan	9.99%	48 months
Details Model Year: 2022-2023. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Rates subject to change. Loans for model years 2019 and older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection , GAP Coverage and insurance. Membership required. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Personal Loans and Lines of Credit	14.50%	Revolving
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 14.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Toys Loan	-	-	7.86%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.86% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

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 161

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 (95/100)

Texas Ratio

9.67%

Return on Assets (ROA)

0.0748%

Return on Equity (ROE)

0.7337%

Non-Performing Loans Ratio (NPL)

1.32%

Total Assets

698,197,125

Total Amount of Shares and Deposits

614,664,537

Total Shares and Deposits < 1 Year

613,124,936

Total Shares and Deposits 1 3 Years

859,677

Total Shares and Deposits > 3 Years

679,924

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

38,335,503

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

38,335,503

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

576,329,034

Total Interest Expense (Sum of items 6 8)

4,670,176

Share Certificates

2,503

Number of Accounts for Share Drafts

39,671

IRA KEOGH Accounts

707

Number of Accounts for Regular Shares

66,241

All other shares

1,630

Money Market Shares

318

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)

63,325,292

Total Liabilities

632,019,397

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northern Credit Union earned the Verified Healthy badge

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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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.

Current Northern Credit Union Rates

12-Month CD3.35%
18-Month CD2.00%
24-Month CD2.00%
60-Month CD0.03%
Savings5.00%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Northern Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Northern Credit Union Texas Ratio

Northern Credit Union CD Rates

Northern Credit Union Savings Rates

Northern Credit Union Business Savings Rates

Northern Credit Union Money Market Rates

Northern Credit Union Business Money Market Rates

Northern Credit Union Checking Rates

Northern Credit Union Home Equity & HELOC

Northern Credit Union Auto Loan Rates

Northern Credit Union RV, Boat and Powersport Loan Rates

Northern Credit Union Credit Card Rates

Northern Credit Union Personal Loan Rates

Northern Credit Union Other Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Northern Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Northern Credit Union

How many branches does Northern Credit Union operate?

Is a member application needed to join Northern Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Northern Credit Union offer online and mobile banking?

Current Northern Credit Union Rates

Compare to Other Credit Unions