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 Northern Credit Union Rates & Review September 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: September 22, 2026
Northern Credit Union's 3 Month CD rates are at 4.00%, 6 Month CD rates are at 4.00%, 12 Month CD rates are at 3.35%, 18 Month CD rates are at 2.00%, 24 Month CD rates are at 2.00%. Northern Credit Union's savings rates are at 0.05%. Northern Credit Union's Personal Loan Rates are as low as 9.24%. Northern Credit Union's Credit Card Rates are at 9.15%. 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 4.84%. Rates last updated and verified on 09/22/2026. 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 Checking Rates
Northern Credit Union Home Equity & HELOC
Northern Credit Union Auto Loan Rates
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Northern Credit Union Other Rates
Financial Health HistoryNorthern Credit Union’s Texas Ratio stayed near 5.14% in Q2 2023 to 4.84% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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+ (98/100)
Texas Ratio
4.84%
Return on Assets (ROA)
0.0082%
Return on Equity (ROE)
0.0791%
Non-Performing Loans Ratio (NPL)
0.67%
Total Assets
682,119,422
Total Amount of Shares and Deposits
599,437,226
Total Shares and Deposits < 1 Year
598,122,776
Total Shares and Deposits 1 3 Years
627,717
Total Shares and Deposits > 3 Years
686,733
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
33,378,976
Total Uninsured Shares and Deposits > $250K (F+J)
33,378,976
Total Insured Shares and Deposits > $250K (item 17 less item K)
566,058,250
Total Interest Expense (Sum of items 6 8)
2,288,329
Share Certificates
2,449
Number of Accounts for Share Drafts
39,335
IRA KEOGH Accounts
729
Number of Accounts for Regular Shares
65,595
All other shares
1,642
Money Market Shares
285
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)
67,308,257
Total Liabilities
616,407,978
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Northern Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Northern Credit UnionHow 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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