Northern Credit Union Gouverneur NY | Best Auto Loans & Personal Banking

Introduction

Welcome to Northern, your trusted financial partner in the heart of Gouverneur, NY. Located at 145 E Main St, our branch has been serving the community since 1955. With a strong commitment to our members and a dedication to fostering financial well-being, we are proud to support over 44,711 members who rely on us for their banking needs. At Northern, we believe in creating a positive impact within our community. Our total assets amount to an impressive $622,714,472, while our total deposits stand at $21,540,560. This reflects not only our growth but also the trust you place in us every day. We offer a wide range of services from personal banking and auto loans to business financing solutions, ensuring that we meet the diverse needs of all our members. Under the leadership of CEO Daniel St. Hilaire and Board President Gary Rowe, our dedicated team of 152 employees is here to provide you with exceptional service and support. Whether you're looking to open a new account or explore loan options, we are ready to assist you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 145 E Main St, Gouverneur, NY 13642-1408. We invite you to stop by or give us a call at 315-287-0356 during our lobby hours from Monday to Friday for personalized assistance. Join us in building a stronger financial future together. Explore more about what we offer by visiting our website at mynorthern.com. We look forward to serving you!

Branch History & Mission

Join Us

As we look towards the future, we invite you to become a part of the Northern family. Experience firsthand the benefits of membership from personalized service to competitive loan rates and innovative banking solutions. Together, let's build a brighter financial future for you and your community. For any inquiries or assistance, feel free to reach us at (315) 287-0356 during our lobby hours: Monday through Thursday from 9 AM to 4 PM and Friday from 9 AM to 5 PM. We look forward to welcoming you!

Our Journey

Over the years, we have seen remarkable growth and change. From our initial focus on providing essential financial services to expanding our offerings to include auto loans, mortgages, personal loans, and credit cards with rewards, we have continually adapted to meet the evolving needs of our community. Today, we proudly manage total assets of approximately $622 million and are dedicated to ensuring that every member feels valued and supported. Our journey is not just about numbers; it's about people. We take pride in being more than just a bank we're a part of this community. Our partnerships with local organizations and schools reflect our commitment to giving back. Whether through educational initiatives or community events, we strive to make a positive impact beyond banking.

Our Mission

At the heart of Northern's mission is a dedication to empowering our members financially while fostering community growth. We believe that everyone deserves access to quality financial services that enhance their lives. Our goal is not only to provide banking solutions but also to build lasting relationships based on trust and mutual respect. We are proud of our ADA-compliant facilities and digital advancements that ensure all members can access our services easily. From online banking options to mobile payments and enhanced ATM services available 24/7, we strive to offer convenient solutions tailored for you. While members can visit us at 145 E Main St, official correspondence should be sent to the same address as our mailing address: 145 E Main St, Gouverneur, NY 13642-1408.

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance, don't hesitate to give us a call at 315-287-0356. We look forward to welcoming you at our Gouverneur branch soon! Come see how we can help make your banking experience as smooth as possible!

Nearby Landmarks and Accessibility

Located near local favorites like the Gouverneur Museum and just a short drive from the scenic Black Lake, our branch is perfectly positioned for both residents and visitors. Parking is available right outside our doors, ensuring easy access for everyone, including those with mobility challenges. We are proud to be ADA compliant, featuring ramps and accessible entrances.

Operating Hours and Services

Our lobby hours are designed to fit your busy schedule: we're open Monday through Friday from 9 AM to 5 PM, while Saturdays and Sundays provide a well-deserved break as we close our doors for the weekend. For those who prefer banking on-the-go, our enhanced ATM services are available 24/7, allowing you to withdraw cash or check your balance anytime you need. At Northern, we offer a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, our friendly team is here to guide you through every step of your financial journey. Additionally, enjoy the convenience of basic drive-thru banking for quick deposits and withdrawals.

Member Eligibility

Joining the Northern family means stepping into a supportive community where your financial goals matter. If you live, work, or worship in the Gouverneur area, you're likely eligible to become a member of our credit union. We warmly welcome individuals from various walks of life who share our values and commitment to building a brighter financial future together. Membership at Northern not only opens doors to personalized banking services but also provides access to exclusive benefits like lower loan rates and higher savings returns. Ready to get started? The process is simple! Just visit us at 145 E Main St, Gouverneur, NY 13642, or give us a call at 315-287-0356 for more details on how to join. For the most current eligibility criteria and information, check out our website at . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that help streamline your payment processes. Imagine being able to accept payments effortlessly while managing your cash flow efficiently. Our services are designed to support your day-to-day operations, making transactions smoother for you and your customers. Located at 145 E Main St Gouverneur Ny 13642, Gouverneur, NY 13642, we invite you to explore how our business banking solutions can empower your entrepreneurial journey. For more information or to set up a consultation, give us a call at (315) 287-0356. Together, let's build a brighter future for your business!

Supporting Your Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $211 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $51,705,573, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive banking solutions tailored to meet your specific needs. From merchant services that make accepting payments easy, to business loans that can help you expand your operations, we're here to support your entrepreneurial journey.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide robust online and mobile banking features. With just a few taps on your phone or clicks on your computer, you can check balances, pay bills, transfer funds, and even make person-to-person payments. Our ATM services ensure you have access to cash when you need it most.

Drive-Thru and ATM Access

For those who prefer in-person transactions but are short on time, our basic drive-thru banking service allows for quick deposits, withdrawals, and simple transactions without leaving your vehicle. Additionally, our ATM services provide easy access for cash withdrawals and balance checks whenever it's convenient for you. At Northern, we're dedicated to making banking as simple and straightforward as possible. Our friendly team is always ready to assist with any questions or concerns. If you're interested in exploring any of these services further, don't hesitate to reach out at (315) 287-0356 or visit us at 145 E Main St Gouverneur Ny 13642 in Gouverneur. Take charge of your financial future today! Visit us online at Gouverneur Branch for more information or stop by our branch we look forward to serving you!

Home Financing Made Easy

If you're dreaming of owning a home, our mortgage loans and refinancing options are here to assist you every step of the way. We understand that buying a house is one of the biggest decisions you'll ever make, which is why we offer personalized guidance and support throughout the process.

Personal Banking Solutions

Our personal banking services are designed with you in mind. Imagine having a checking or savings account that fits perfectly into your lifestyle. With our straightforward options, you can easily manage your finances while enjoying competitive interest rates and low fees. For those planning major purchases or consolidating debt, our auto loans and personal loans offer flexible terms to help you achieve your goals without breaking the bank.

Rewarding Credit Options

Don't forget about our credit cards with rewards! These cards not only provide purchasing power but also allow you to earn rewards on everyday spending. Whether it's cash back on groceries or points for travel, these cards can enhance your purchasing experience.

Digital & Online Banking

Convenient Transfers

Sending money to friends or family has never been simpler with our person-to-person transfers. Whether it's splitting a bill or sending a gift, you can transfer funds securely in just a few taps. At Northern, we believe banking should fit into your lifestyle effortlessly. Explore all these features and more by visiting us online at https://www.mynorthern.com:443/ . Experience the freedom of managing your finances on your terms!

Key Features

Our platform is not only user-friendly but also highly secure. You can rest easy knowing that your information is protected with advanced security measures. Plus, we offer electronic signature authorization, making it simple to sign documents without the hassle of paper forms. For those who prefer going paperless, we provide e-statements that allow you to view your account statements online. This not only helps the environment but also gives you quick access to your financial history right at your fingertips. Need to make payments on the go? With our mobile payments feature, you can easily send money or pay bills using your smartphone. Our mobile application enhances this experience further, giving you instant access to all your banking needs while you're out and about.

Financial Strength

Growing Trust

We have built trust within our community with total share accounts reaching 107,202, showcasing a strong and growing member base that trusts us with their finances. Additionally, net shares available for lending stand at $4,511,094, demonstrating our capability to provide support when you need it. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northern is your trusted partner. Visit us at 145 E Main St Gouverneur Ny 13642 or call (315) 287-0356 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $35,354,890 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is further showcased with $3,867 in used auto loans and $530,800,243 in total loans and leases, supporting members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $91,111,660 in share certificates and $7,992,758 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $4,162,299, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 151 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $68,832,996, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,114 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $60,925,239 in used vehicle loans and $11,814,029 in new vehicle loans already helping members get on the road. Whether you are interested in financing a new or used vehicle, our competitive rates make it easier than ever to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $51,705,573 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges, which is why we strive to offer tailored solutions for your unique needs.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $63,844,135, make buying or refinancing simple. We're here to help guide you through every step of the mortgage process so you can focus on making your house a home.

Refinancing Options

If you're considering refinancing any of your existing loans, our team is ready to discuss eligibility options that may work for you. We can help identify potential savings and tailor a plan that fits your financial situation. Whether you're in need of personal banking services like checking and savings accounts or exploring loan options for vehicles and homes, Northern has got you covered. Visit us at 145 E Main St Gouverneur Ny 13642 in Gouverneur, NY, or give us a call at (315) 287-0356 for more information about how we can assist you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial success is our priority!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,042,823 in loans helping members manage their finances effectively. These cards provide an easy way to handle unexpected expenses while building your credit score.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to compliance guarantees that all offers presented are fair and transparent. One of the main benefits of using LendMesh is its focus on Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring users receive reliable information. Additionally, there are No Sponsored Listings on the platform; lenders are not prioritized based on paid promotions. This means users can trust that the results they see are unbiased and reflect true market conditions. With Real-Time Rate Comparisons, users can view up-to-date loan rates from multiple institutions, allowing them to make informed decisions without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking for the best rates tailored to your needs, compare real-time loan offers today at LendMesh. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

NORTHERN CREDIT UNION - Gouverneur, NY