Northern

Headquarters

138 Factory St
Watertown, NY 13601
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Northern is an NCUA insured institution located in Watertown, NY. It was founded in 1955 and has approximately $251.22 millions in assets.

Who can join?

To join Northern, you must:

• Live, work, worship, regularly conduct business in, or attend school in Jefferson County, Lewis County, or one of the following towns in St. Lawrence County, Canton, Clare, Clifton, Colton, De Kalb, DePeyster, Edwards, Fine, Fowler, Gouverneur, Hammond, Hermon, Hopkinton, Lawrence, Macomb, Piercefield, Pitcairn and Rossie.
• Work for one of Northern’s Select Employer Groups (SEGs).
• Have retired as a pensioner or annuitant from a Northern SEG.
• Be an immediate family member or household member of an eligible person. Immediate family is defined as a spouse, child, sibling, parent, grandparent, grandchild, step-parent, step-child, step-sibling or adoptive relationships.

NCUA Insured Yes / Federally Chartered
Charter Number # # 10578
Date Established 1955
Assets $251.22 million
Loans $224.27 million
Deposits $231.15 million
Capital $18.70 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, or regularly conduct business in efferson County, Lewis County, or one of the following towns in St. Lawrence County; Canton, Clare, Clifton, Colton, De Kalb, DePeyster, Edwards, Fine, Fowler, Gouverneur, Hammond, Hermon, Hopkinton, Lawrence, Macomb, Piercefield, Pitcairn and Rossie. Membership is also open to employees of one of the Select Employer Group.

Deposit Rates - April 11, 2021

Your Current Location: California, CA 92111

We do not yet have rates for Northern

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Loan Rates - April 11, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for NORTHERN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
CashCall Mortgage
NMLS ID: 128231
2.952% 2.875% 1.00 $2,500 $1,038 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Branches

Below are Northern branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


Northern Locations


Financial Details

Northern Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Northern. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Northern U.S. Average
15.83% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Northern had $2,688,498 in non-current loans and $570,756 in owned assets. To cover these potential losses it had $18,699,895 in net worth and $1,891,767 in loans loss reserves. That gives it a Texas Ratio of 15.83%.

Net Worth
Northern U.S. Average
7.67% 12.67%

Northern FCU has a net worth of 7.67% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Northern

Branches and Savings

What is Northern?

A federal credit union, registered with the NCUA under certificate #10578.
Learn more about credit unions here.

Is Northern FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Northern is insured by the NCUA.

Who can join Northern?

Please see Field of Membership information above for information on who is eligible to join.

What are Northern's share account and share certificate rates?

Northern's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Northern?

Northern has total capital of $18.70 million. Full information on Northern's financial position is located above.

Who owns Northern?

Credit Unions are owned by their members.

Where are Northern branches located?

See branch locations nearby.

Are Northern ATMs Open 24/7?

Do Northern ATMs accept cash deposits?

Can Northern customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Northern have a mobile app?

Does Northern have mobile deposit?

Does Northern have quick pay?

How can Northern transfer money to other banks or credit unions?

Does Northern report to credit bureaus?

Does Northern use Chexsystems?

Does Northern use Equifax?

What is Northern's toll free phone number?

What is Northern's ACH Routing Number?

What is Northern's SWIFT code?

Where can I find Northern's wire transfer form?

What is the Northern address for deposits?

What Products Does Northern Offer

Does Northern offer mortgages?

Compare mortgage rates here.

Does Northern offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Northern offer auto and RV loans?

Compare auto loan rates here.

Does Northern offer student loans or personal loans?

Compare personal loan rates here.

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