NORTHERN CREDIT UNION

Located at 138 Factory St, Watertown, NY 13601, our branch is easily accessible and serves as a welcoming space for both new and existing members. While our physical address reflects our deep roots in this city, official correspondence can also be directed to 138 Factory St, Watertown, NY 13601-1958 if needed. From humble beginnings, Northern has steadily expanded its offerings. Today, we proudly manage total assets amounting to an impressive $622,714,472. This growth reflects not just our financial strength but also our dedication to serving the needs of our community. As we continue to evolve, we remain focused on innovative solutions that enhance member experiences.

Northern is more than just a credit union; we're a part of the fabric of Watertown. Through partnerships with local organizations and participation in community events, we aim to give back and strengthen connections within our neighborhoods. Our employees take pride in volunteering their time and talents to make a difference where it matters most. As we look toward the future, we invite you to join us on this journey. Experience firsthand the benefits of being part of Northern where your financial well-being is at the heart of everything we do. For any inquiries or further information about joining us at Northern, please feel free to reach out at 315-782-0155 during our operating hours: Monday through Friday from 8 AM to 5 PM. We can't wait to welcome you into our family!

At Northern, our mission is clear: to empower our members through exceptional financial services while fostering a sense of community support. We believe that everyone deserves access to quality financial products that make life easier be it loans for education or resources for first-time homebuyers. Our goal is not only to help you achieve your personal financial goals but also to uplift those around us by supporting local charities and events. We are committed to ensuring that all members have access to modern banking conveniences. Our branch offers robust digital options including online banking and mobile payments, making it easier than ever for you to manage your finances on the go.

We understand that life can get busy, which is why our operating hours are designed with your schedule in mind. Visit us Monday through Friday from 8 AM to 5 PM. Our dedicated team is ready to assist you during these hours, ensuring you have all the support you need.

At Northern, we believe that banking should be accessible to everyone. Our location features ADA-compliant facilities, including ramps for easy entry and ample parking space for our members. Whether you're coming in for a quick transaction or to discuss your financial goals, you'll find our environment welcoming and accommodating.

While we currently do not have ATM services or drive-thru banking, our branch offers a range of essential financial services right at your fingertips. From personal loans to checking accounts, our knowledgeable staff is here to help you navigate your options and find what best suits your needs. If you need to reach us, don't hesitate to call at (315) 782-0155. We're eager to assist you with any inquiries or concerns you may have. Whether you're an existing member or considering joining our credit union family, we invite you to stop by and experience the difference at Northern. We look forward to seeing you soon!

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.

Imagine easily accepting payments from your customers without the hassle of complex systems. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. From credit card processing to online payment solutions, we provide tools that make it easier for you to serve your customers while managing your finances effectively. Located at 138 Factory St Watertown Ny 13601 in Watertown, NY, we're here to help your business thrive. Reach out to us at (315) 782-0155 or visit us online at https://www.mynorthern.com:443/ to learn more about how we can assist you.

In today's fast-paced world, convenience is key. That's why we offer various digital banking features that make managing your finances easier than ever. With our online banking platform, you can check balances, transfer funds, and pay bills from the comfort of your home. For those on the go, our mobile application allows you to access your accounts anytime, anywhere. Imagine being able to deposit checks or make payments right from your smartphone!

We believe in building strong relationships within our community. Our goal is not only to provide financial services but also to empower our members with knowledge and support. We strive to ensure that everyone who walks through our doors feels valued and understood.

At Northern, we understand that each member has unique financial needs. Whether you're saving for a new car or looking to manage your day-to-day expenses more effectively, our services are here to support you. While we currently offer ATM Services Only, this allows for quick cash access without the hassle of waiting in line. If you need assistance or have questions about any of our offerings, don't hesitate to reach out! Our friendly team is available at (315) 782-0155 during our operating hours: Monday through Friday from 8 AM to 5 PM.

If you're ready to explore how Northern can enhance your financial well-being, visit us at 138 Factory St Watertown Ny 13601 or give us a call at (315) 782-0155. You can also check out more about our services online at Corporate Office. Join us today and experience the difference a dedicated credit union can make in your life!

With our 24/7 online banking services, you can check your balances, pay bills, and transfer money anytime you need to. Whether you're at home or on the go, our platform is available at https://www.mynorthern.com:443/ , giving you the freedom to manage your accounts when it suits you best.

Say goodbye to clutter and hello to convenience! With e-statements available, you can access your account statements electronically. This not only helps keep your documents organized but also supports a greener planet by reducing paper waste.

Our mobile application is user-friendly and packed with features. You can easily make mobile payments, allowing you to shop without the hassle of cash or cards. Plus, if you need to send money quickly, our person-to-person transfer option makes it simple to send funds to friends and family in real-time.

At Northern, we prioritize your security. Our electronic signature authorization ensures that your transactions are protected and verified. We want you to feel confident every time you use our digital services. Whether you're looking to check your balance or complete a transaction from anywhere, our digital banking solutions are here for you. Experience the ease of banking with us today!

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.

Total Share and Deposit Accounts stand at 107,202, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) total $4,511,094, giving us the flexibility to meet your needs. 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 138 Factory St Watertown Ny 13601 or call (315) 782-0155 to learn more about how we can help you achieve your financial goals.

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 supports your financial goals across various sectors with $3,867 in used auto loans and $530,800,243 in total loans and leases.

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.

Our operational efficiency is reflected in 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.

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. We provide flexible terms and competitive interest rates to make your car buying experience smooth and affordable.

For business owners, our outstanding commercial loans totaling $51,705,573 provide the capital needed to grow and expand. We recognize that every business has unique needs, so our team is dedicated to finding the right financing solutions for you. We encourage you to reach out to us at (315) 782-0155 or visit us at our branch located at 138 Factory St Watertown Ny 13601 in Watertown, NY. Our friendly staff is ready to assist you with any questions about our loan offerings or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore how we can support your financial journey today!

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $63,844,135, make buying or refinancing simple. Our team is here to guide you through the process, ensuring you understand all your options for purchasing or refinancing your home.

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. This option provides a straightforward way to cover unexpected expenses without the burden of collateral.

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