What are the current interest rates at Northern Credit Union?

Current rates for Northern Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 0.90%, 24-Month CD: 0.90%, 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 14, 2026

Northern Credit Union's top rates as of October 14, 2026 are 4.25% APY on its 10 Month CDs CD, 5.00% APY on savings, 2.00% APY on money market accounts, 2.00% APY on checking, personal loans from 9.24% APR, and credit cards from 9.40% APR, according to rates verified by MonitorBankRates. Other Northern Credit Union CD rates include 3 Month CDs at 4.00%, 6 Month CDs at 4.00%, and 10 Month CDs at 3.65%. 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 10/14/2026.

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
10 Month Share Certificates	-	4.25%	10 Months
Min Deposit $500 Min Balance $10,000 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 14, 20264.25%▲ from 4.00% Oct 10, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
3 Month Share Certificates	-	4.00%	3 Months
Min Deposit $500 Min Balance $10,000 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
6 Month Share Certificates	-	4.00%	6 Months
Min Deposit $500 Min Balance $10,000 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
10 Month Share Certificates	-	3.65%	10 Months
Min Deposit $500 Min Balance $10,000 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 4.00% → 3.65% ▼ 0.35 pts · high 4.00% / low 3.65% Oct 14, 20263.65%▼ from 4.00% Oct 10, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
3 Month Share Certificates	-	3.40%	3 Months
Min Deposit $500 Min Balance $10,000 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40% Oct 14, 20263.40%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
6 Month Share Certificates	-	3.40%	6 Months
Min Deposit $500 Min Balance $10,000 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 3.40% ▼ 0.60 pts · high 4.00% / low 3.40% Oct 14, 20263.40%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
12 Month Share Certificates	-	3.35%	12 Months
Min Deposit $500 Min Balance $500 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
10 Month Share Certificates	-	3.15%	10 Months
Min Deposit $500 Min Balance $10,000 Details Basic Rate; requires active Checking and Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 4.00% → 3.15% ▼ 0.85 pts · high 4.00% / low 3.15% Oct 14, 20263.15%▼ from 4.00% Oct 10, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
3 Month Share Certificates	-	2.90%	3 Months
Min Deposit $500 Min Balance $10,000 Details Basic Rate; requires active Checking and Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 2.90% ▼ 1.10 pts · high 4.00% / low 2.90% Oct 14, 20262.90%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
6 Month Share Certificates	-	2.90%	6 Months
Min Deposit $500 Min Balance $10,000 Details Basic Rate; requires active Checking and Direct Deposit; $10K minimum for 3, 6 and 10 Month CDs; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 2.90% ▼ 1.10 pts · high 4.00% / low 2.90% Oct 14, 20262.90%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
12 Month Share Certificates	-	2.75%	12 Months
Min Deposit $500 Min Balance $500 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 2.75% ▼ 0.60 pts · high 3.35% / low 2.75% Oct 14, 20262.75%▼ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
12 Month Share Certificates	-	2.25%	12 Months
Min Deposit $500 Min Balance $500 Details Basic Rate; requires active Checking and Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 2.25% ▼ 1.10 pts · high 3.35% / low 2.25% Oct 14, 20262.25%▼ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
18 Month Share Certificates	-	2.00%	18 Months
Min Deposit $500 Min Balance $500 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
24 Month Share Certificates	-	2.00%	24 Months
Min Deposit $500 Min Balance $500 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
30 Month Share Certificates	-	2.00%	30 Months
Min Deposit $500 Min Balance $500 Details Best Rate; requires Better Rate qualifications with combined balances over $25K; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
18 Month Share Certificates	-	1.40%	18 Months
Min Deposit $500 Min Balance $500 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 1.40% ▼ 0.60 pts · high 2.00% / low 1.40% Oct 14, 20261.40%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
24 Month Share Certificates	-	1.40%	24 Months
Min Deposit $500 Min Balance $500 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 1.40% ▼ 0.60 pts · high 2.00% / low 1.40% Oct 14, 20261.40%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
30 Month Share Certificates	-	1.40%	30 Months
Min Deposit $500 Min Balance $500 Details Better Rate; requires active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 1.40% ▼ 0.60 pts · high 2.00% / low 1.40% Oct 14, 20261.40%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
18 Month Share Certificates	-	0.90%	18 Months
Min Deposit $500 Min Balance $500 Details Basic Rate; requires active Checking and Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 0.90% ▼ 1.10 pts · high 2.00% / low 0.90% Oct 14, 20260.90%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
24 Month Share Certificates	-	0.90%	24 Months
Min Deposit $500 Min Balance $500 Details Basic Rate; requires active Checking and Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 0.90% ▼ 1.10 pts · high 2.00% / low 0.90% Oct 14, 20260.90%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
30 Month Share Certificates	-	0.90%	30 Months
Min Deposit $500 Min Balance $500 Details Basic Rate; requires active Checking and Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 2.00% → 0.90% ▼ 1.10 pts · high 2.00% / low 0.90% Oct 14, 20260.90%▼ from 2.00% Sep 14, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
36 - 60 Month Share Certificates	-	0.03%	36 - 60 Months
Min Deposit $500 Min Balance $500 Details Basic Rate; requires active Checking and Direct Deposit; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.03% APY · checked 4 times 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; Earn 5.00% APY on all balances up to $1,000; Rates are blended for balances over $1,000; Limit one NEXT eSavings account per social security number; Requires an open and active NEXT rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 5.00% APY · checked 2 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; Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.50% APY · checked 2 times 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; Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.50% APY · checked 2 times 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; Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.00% APY · checked 2 times 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; Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Own Savings	-	0.20%
Min Balance $25,000 Details Balance: $25,000.00 and over; Based on availability, reservation required Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 2 times 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; Rates are blended for balances over $1,000; Limit one NEXT eSavings account per social security number; Requires an open and active NEXT rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 2 times 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 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
My Own Savings	-	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99; Based on availability, reservation required Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times 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; Rates are blended for balances over $1,000; Limit one NEXT eSavings account per social security number; Requires an open and active NEXT rewards Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times 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; blended tier Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.14% APY · checked 2 times 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 10/14/2026 Rate History No change since Oct 10, 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: $0.00 - $49.99; Dividends not paid until balance reaches at least $61; Based on availability, reservation required Last Updated 10/14/2026 Rate History No change since Oct 10, 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 $50 Details Balance: $50.00 - $4,999.99; Based on availability, reservation required Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 2 times 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; blended tier Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Savings Account NY	-	0.10%
Min Balance $50 Details Balance: $50 - $4,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 2 times 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 10/14/2026 Rate History No change since Oct 10, 2026 · 0.30% APY · checked 2 times 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 10/14/2026 Rate History No change since Oct 10, 2026 · 0.25% APY · checked 2 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 10/14/2026 Rate History No change since Oct 10, 2026 · 0.20% APY · checked 2 times 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 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market Account In NY	-	2.00%
Min Balance $0 Details Balance: $0.01 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 2.00% ▲ 1.90 pts · high 2.00% / low 0.10% Oct 14, 20262.00%▲ from 0.10% Sep 27, 20260.10%first recorded 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 $10,000 Details Qualifying balance up to $35,000.00; Balance: $0 to $10,000.00; Qualifications Required; Average daily balance must be at least $10,000 to earn dividends Last Updated 10/14/2026 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%
Choice Rewards Checking	-	0.26%
Min Balance $0 Details Qualifications Required; Balance: $0.00 to $15,000.00; Qualifying balance up to $15,000.00 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.26% APY · checked 2 times 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 As Low As; Loan Amount: $15,000+; LTV: up to 80%; Fixed Rate APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 5.41% APR · checked 2 times 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 As Low As; Loan Amount: $15,000+; LTV: up to 80%; Fixed Rate APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 6.16% APR · checked 2 times 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 As Low As; Loan Amount: $15,000+; LTV: up to 90%; Fixed Rate APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 6.41% APR · checked 2 times 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 As Low As; Loan Amount: $15,000+; LTV: up to 80%; Fixed Rate APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 6.41% APR · checked 2 times 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 As Low As; Loan Amount: $15,000+; LTV: up to 90%; Fixed Rate APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.16% APR · checked 2 times 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 As Low As; Loan Amount: $15,000+; LTV: up to 90%; Fixed Rate APR Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.41% APR · checked 2 times 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 As Low As; LTV: up to 90%; Credit Line: $7,500 - $100,000; Rate: prime + .50% Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 7.50% APR · checked 2 times 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 As Low As; LTV: up to 100%; Credit Line: $7,500 - $100,000; Rate: prime + 1.25% Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 8.25% APR · checked 2 times 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%; Credit Line $7,500 - $100,000; Rate: prime + 1.50% Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 8.50% APR · checked 2 times 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%; Credit Line $7,500 - $100,000; Rate: prime + 2.25% Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 9.25% APR · checked 2 times 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; Starting at; Homepage promo card Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 7 times 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%. Revolving; Maximum line of $25,000; Rates updated on 10/1/26 Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 15.49% → 9.40% ▼ 6.09 pts · high 15.49% / low 9.40% Oct 14, 20269.40%▼ from 15.49% Sep 27, 202615.49%first recorded 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%. Maximum line of $25,000; Rates subject to change; Rates updated on 110/1/26 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 13.40% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Business Rewards Credit Card in NY	-	15.74%
Details As Low As; APR range 15.74% - 24.74%; Revolving; Business Rewards Visa; 1.5% cashback on purchases; rates current as of 10/1/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 15.49% → 15.74% ▲ 0.25 pts · high 15.74% / low 15.49% Oct 14, 202615.74%▲ from 15.49% Sep 14, 202615.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%
Secured Visa	-	20.49%
Details Maximum line of $25,000; Rates updated on 10/1/26 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 20.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.67%

Northern Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.24%
Details As Low As; Starting at; Homepage promo card Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 9.24% APR · checked 4 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; Starting at; Homepage promo card Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.86% APR · checked 7 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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Average Rating

☆☆☆☆☆

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 CD2.25%
18-Month CD0.90%
24-Month CD0.90%
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

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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