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Northern Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.mynorthern.com
315-782-0155
120 Factory Street
Watertown, NY 13601

Northern Credit Union is headquartered in Watertown and is the 31st largest credit union in the state of New York. It is also the 635th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 157 employees and 44,695 members at 11 locations. Northern Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Northern Credit Union is open to those who live, work, worship, attend school, or regularly conduct business in the New York counties of Clinton, Franklin, Jefferson, Lewis, Madison, Onondaga, Oswego, or St. Lawrence. Any family member of current member is also eligible to join.
See current membership details

Reviews (1)

NASTY, HORRIBLE EXPERIENCE

Posted by: |

Someone illegally used my name & personal information to apply for membership. I spoke to a person named Amanda, who was HORRIBLE, OBNOXIOUS & refused to help me in any way. She claimed that the credit union doesn't check with the credit reporting agencies when someone opens an account, making it easy for an applicant to commit fraud. Additionally, they didn't pick up their phone when I called many times, & Amanda rudely hung up on me. I told her that someone is attempting to deceive the Credit Union using my name and she was not interested!!!

STAY AWAY AT ALL COSTS. THEY CAN'T BE TRUSTED.

5


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68696
Year Chartered1955
Employees157
Primary Regulator
Profit Margin
Return on Assets - YTD-0.01%
Return on Equity - YTD-0.14%
Annual Interest Income$8.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$658.1MM$620.5MM
LoansQ1 2025vs Q1 2024$531.3MM$525.3MM
DepositsQ1 2025vs Q1 2024$571.5MM$535.4MM
Equity CapitalQ1 2025vs Q1 2024$64.2MM$62.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.1MM$5.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.4MM$4.3MM
Real Estate OwnedQ1 2025vs Q1 2024$165K$281K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates

Sorry, we do not have rate data for Northern Credit Union.

Locations

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