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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Northern Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Northern Credit Union's 3 month CDs Best rates are at 4.00%, 6 month CDs Better rates are at 3.40%, 12 month CDs Best rates are at 3.35%, 6 month CDs Basic rates are at 2.90%, 12 month CDs Better rates are at 2.75%. Northern Credit Union's savings rates are at 0.05%. Northern Credit Union's money market rates are at 0.15%. Northern Credit Union's Personal Loan Rates are at 8.99%. 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 6.98%. Rates were last updated on 03/28/2026. 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. Northern Credit Union
Corporate Office 138 Factory St
https://www.mynorthern.com Watertown, NY 13601 1958 
Northern Credit Union CD Rates
Northern Credit Union Savings Rates
Northern Credit Union Money Market Rates
Northern Credit Union Checking Rates
Northern Credit Union Home Equity & HELOC
Northern Credit Union Auto Loan Rates
Northern Credit Union Credit Card Rates
Northern Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.98%
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
1
Money Market Shares
234
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
50,230,676
Total Liabilities
592,776,113
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Northern Credit UnionIs Northern Credit Union a safe place to deposit money?Yes, Northern Credit Union is considered a safe financial institution. With a Texas Ratio of 6.9805052594022%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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