When you start banking with Northern, you’re not just getting amazing financial products and services, you’re also becoming an owner of our cooperative!

Wondering what that means in plain English? It means that any profits Northern earns come right back to you through lower fees, better rates and higher dividends, instead of going to a board of wealthy stakeholders, Wall Street or a corporate office in another state. When you become part of the Northern family, we support you and only you: our member-owners.
Sounds pretty great, right? We think so too. After all, your WHY is our WHY. Whatever it is you’re trying to achieve, our goal is to help you reach yours.
How can you join Northern?
It’s simple: Apply using our online application, call or text us at 315-782-0155 or stop into any relationship center to get started. All you need is a savings account with a minimum deposit of $5 to maintain your membership.
That’s all you have to do, but it’s not all you’ll want to do.

Who can join Northern?
At Northern, membership is open to more people than ever before. There are several ways you can become part of our credit union family.
Family Members: Immediate family members of current or eligible Northern members including a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling or someone with an adoptive relationship.

American Consumer Council (ACC): Our new charter allows members of the American Consumer Council (ACC) – a national organization that advocates for consumer rights and financial education – to join our credit union, so geography is no longer a concern for those who live outside our current communities. We offer complimentary membership to all new and existing members so they can take advantage of the many benefits. Learn more about joining the ACC.
Community Members: Many individuals that live in the communities we currently serve are eligible based on where they live and/or work.
Want to bank with us? Open an account online!