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 Northern Credit Union Rates & Review November 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.
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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 and Verified: October 30, 2026
Northern Credit Union's savings rates are at 5.00%. Northern Credit Union's money market rates are at 2.00%. Northern Credit Union's checking rates are as high as 2.00%. Northern Credit Union's Personal Loan Rates are as low as 9.24%. Northern Credit Union's Credit Card Rates are at 9.40%. Northern Credit Union's savings rates are 571% higher than the MonitorBankRates national average, and it has an A health rating. 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 10/30/2026. 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  Customer Reviews
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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 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 Credit Card Rates
Northern Credit Union Personal Loan Rates
Northern Credit Union Other 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
161
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 (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
Customer Reviews
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Frequently Asked Questions About Northern Credit UnionWhat is the highest savings rate at Northern Credit Union?The highest Northern Credit Union savings rate is its NEXT eSavings at 5.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Northern Credit Union?The highest Northern Credit Union money market rate is its Business Money Market Account In NY at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Northern Credit Union?The highest Northern Credit Union checking rate is its Premium Rewards Checking at 2.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Northern Credit Union?The lowest Northern Credit Union auto loan rate is its NEXT Auto Loan at 4.99% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Northern Credit Union?The lowest Northern Credit Union personal loan rate is its Personal Loans at 9.24% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Northern Credit Union?The lowest Northern Credit Union credit card APR is its Platinum Visa Credit Card at 9.40% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Northern Credit Union rates compare?Northern Credit Union's savings rates are 571% higher than the MonitorBankRates national average, and it has an A health rating. Northern Credit Union's top rates are its NEXT eSavings at 5.00% APY, its Business Money Market Account In NY at 2.00% APY, its Premium Rewards Checking at 2.00% APY, its Personal Loans at 9.24% APR and its Platinum Visa Credit Card at 9.40% APR, verified by MonitorBankRates on October 30, 2026. Current Northern Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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