NORTHERN CREDIT UNION

Welcome to Northern, your trusted financial partner located at 1180 Commerce Park Dr E, Watertown, NY 13601. Established in 1955, we have proudly served our community for decades, building a strong foundation of trust and support for our 44,711 members. With total assets exceeding $622 million and total deposits of $21,540,560, we are committed to offering competitive rates and personalized service tailored to meet your unique financial needs. At Northern, we believe that strong relationships matter. Our dedicated team of 152 employees is here to assist you with a variety of services including personal banking, auto loans, mortgage financing, and business loans. Whether you're looking to open a checking account or seeking advice on consolidating debt, our knowledgeable staff is ready to help. Under the leadership of CEO Daniel St. Hilaire and Board President Gary Rowe, Northern strives to create a welcoming environment where members can feel at home while managing their finances. We understand the importance of community engagement and actively participate in local events to ensure we're making a positive impact beyond just banking. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to the same address: 1180 Commerce Park Dr E, Watertown, NY 13601-2277. Explore more about what we offer on our website at www.mynorthern.com, or feel free to give us a call at 315-785-5600. Join us today and discover how Northern can help you achieve your financial goals!

At Northern, our journey began in 1955 with a simple yet powerful vision: to provide a supportive financial institution for the community of Watertown, NY. Since then, we have grown and evolved, building a rich legacy that reflects our commitment to our members and the surrounding community. Today, as we proudly serve over 44,711 members from our branch located at 1180 Commerce Park Dr E, Watertown, NY 13601, we continue to honor that original mission. Over the years, Northern has achieved significant milestones. From our humble beginnings to becoming a trusted partner for financial services in Jefferson County, we have consistently prioritized the needs of our members. With total assets now exceeding $622 million, we've expanded our services to include personal banking options like checking and savings accounts, auto loans, mortgages, and business banking solutions. Our dedication to providing quality financial products ensures that we meet the diverse needs of our community. Our mission is clear: to empower individuals and families with accessible financial services while fostering strong community connections. We believe that every member deserves the tools they need to achieve their financial goals. This includes not only competitive rates and innovative banking solutions but also active involvement in local outreach efforts. Through partnerships with various organizations, we strive to make a positive impact by supporting education initiatives and promoting financial literacy. While members can visit us at 1180 Commerce Park Dr E, official correspondence should be sent to 1180 Commerce Park Dr E, Watertown, NY 13601-2277 if different from the branch address. Our operating hours are designed to accommodate your busy schedule: Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM. On Saturdays, we welcome you from 9:00 AM until noon, ensuring access for all. In addition to traditional banking services, we embrace digital advancements that make banking easier for everyone. Our enhanced ATM availability allows members to perform transactions conveniently at any time. We're proud of our drive-thru service as well; it simplifies everyday banking needs without needing to leave your vehicle. As we look toward the future, Northern remains steadfast in its commitment to innovation and community support. We invite anyone looking for a financial partner who truly cares about their success to join us on this journey. Experience the difference with Northern you'll find more than just a credit union; you'll find a community dedicated to your growth and prosperity. For more information or assistance, feel free to reach out at 315-785-5600 or visit us online at Northern's Website. Join us today and discover how we can help you achieve your financial dreams!

Joining the Northern family is more than just opening an account it's stepping into a community that truly cares. At our branch located at 1180 Commerce Park Dr E, Watertown, NY 13601, we welcome individuals who share a commitment to building a better financial future together. To become a member, you simply need to meet certain eligibility criteria, which generally include living, working, or attending school in the area. We invite you to explore the detailed requirements on our website for the most up-to-date information: . Once you're ready to join us, opening an account is a breeze! You can find all the necessary steps outlined here: https://nnycf.org/scholarships/scholarship-overview/ . If you have any questions or need assistance along the way, don't hesitate to give us a call at (315) 785-5600. We're excited to help you become part of our thriving community and enjoy the many benefits of membership!

At Northern, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to transparency and trustworthiness is reflected in our solid financial foundation. 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. This strength is further evidenced by our net worth ratio of $1,114, demonstrating a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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. 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 members' financial goals across various sectors, with $3,867 in used auto loans and $530,800,243 in total loans and leases available to help you achieve your dreams. 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 who are dedicated to serving you with a knowledgeable team ready to assist you whenever you need it. Net Shares (Funds available for lending and investments): $4,511,094. Total Share Accounts: 107,202, showing a strong and growing member base that trusts us with their finances. 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 1180 Commerce Park Dr E Watertown Ny 13601 or call (315) 785-5600 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*