Membership Eligibility

What is a credit union?

Today’s credit unions offer many of the same products and services as most banks, so it is easy to think they are the same thing. But that is not the case. Banks are operated to earn a profit for their owners and shareholders. Credit unions, however, aren’t driven by earning a profit for shareholders. Rather, any profits they make are returned to members in the form of lower fees, competitive rates and sometimes paid back through special dividends on member accounts. Credit unions have defined fields of membership, meaning members share a common bond such as working at the same company, worshipping in the same congregation or living in the same community. And every credit union member is a credit union owner – they have the right to vote on the credit union’s board members and other key decisions. 

Like banks, credit unions have their own federal regulator, the National Credit Union Administration (NCUA). Credit union deposits are insured up to the same federal limits as banks.

Who can become a member?

Northern Credit Union has a broad range of membership criteria – almost any person living, working or worshipping in the North County area is eligible for membership. At Northern – like all credit unions – once you’re a member, you’re always a member. And you retain life-long membership even if you move or change jobs. 

To join Northern, you must:

1. Meet one of these eligibility requirements:
  • 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) listed below.
  • 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.
2. Open a Share Savings account with a minimum deposit of $5.
3. Continue to maintain at least $5 in your share savings account. 

Affiliated Businesses and Organizations

# | A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z


  • 3G Volunteer Fire Dept.


  • Adams, Town of
  • Adams Center Fire Department
  • Alexandria, Town of
  • Alexandria Bay, Village of
  • Alexandria Central School District
  • AMF Bowling, Inc.
  • Anderson Equipment Company (NY)
  • ARC Oneida-Lewis Chapter NYSARC


  • Beaver River Central School District
  • BEL Associates, Inc.
  • Belleville-Henderson Central Schools
  • Bernier, Carr & Associates, PC
  • Black River Paper Company
  • Blue Cross/Blue Shield of Watertown
  • Brookside Senior Living


  • Cape Vincent, Town of
  • CareGivers
  • Car-Freshner Corporation
  • Carthage Area Hospital
  • Carthage Care at Home
  • Carthage Central School District
  • Central Service & Credit Bureau
  • Champion, Town of
  • Cheney Tire
  • Children's Home of Jefferson County
  • Cives Steel
  • Clayton, Town of
  • Clayton, Village of
  • Clifton Fine Central School
  • Clifton Fine Hospital
  • Community Action Planning Council
  • Conboy, McKay, Bachman & Kendall
  • Copenhagen Central School District
  • Cota Flooring
  • Countryside Veterinary Clinic
  • CR Allen Office Products
  • Creative Imaging
  • Credo Foundation
  • Crossley Dental Associates P.C.
  • Crowley Foods
  • Cyclotherm of Watertown Inc.
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  • DC Building Systems
  • Decorative Specialty, Inc.
  • Deferiet, Village of
  • Disabled Person's Action Organization
  • DOHL Development Center
  • Dunn & Countryman Agency


  • Eagle Beverage Company, Inc.
  • East Road Adult Home
  • Edwards, Town of
  • Edwards-Knox Central School
  • EJ Noble Hospital (Gouverneur)
  • Elwin L. Stillman, MD
  • Empire Northeast
  • Essenlohr Motors, Inc.
  • Evans Mills, Village of


  • Family Counseling Service
  • Family Practice Associates
  • Fibermark DSI (Brownville)
  • Fibermark DSI (Lowville)
  • Fishercast
  • Flack Broadcasting
  • Freeman Bus
  • Fuccillo Automotive Group
  • Fun Unlimited
  • FX Caprara Car Companies


  • General Brown Central School District
  • Genesis Healthcare of NY
  • Gilco Trucking
  • Gouverneur, Village of
  • Gouverneur Dental Assoc.
  • Gouverneur Rescue Squad
  • Gray's Wholesale, Inc.
  • Great Lakes Cheese of New York
  • Griffith Oil Company
  • Guifoyle Ambulance
  • GYMO, Inc.


  • Hammond Central School District
  • Harrisville Central School District
  • Henderson, Town of
  • Hospice of Jefferson County
  • Hounsfield, Town of


  • Immaculate Heart Central School
  • Indian River Central School District
  • Interface Solutions
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  • Jefferson Abstract
  • Jefferson Community College
  • Jefferson County
  • Jefferson County Women's Center
  • Jefferson Rehabilitation Center
  • Jeff-Lewis Board of Realtors'
  • Jeff-Lewis BOCES
  • JH Burnash & Co., Inc.
  • JW Ferry Veterinarian


  • Kinney Drugs
  • Kinney Nursing Home
  • Knowlton Specialty Papers


  • LaFargeville Central School District
  • Ledges, The
  • Lehmans Farm & Home Supply
  • Lewis & Clinch
  • Lewis County
  • Lewis County General Hospital
  • Lewis County Opportunities
  • Local 910 - IBEW
  • Lorraine, Town of
  • Lowville, Village of
  • Lowville Academy and Central School
  • Lowville Dairy Producers Co-op
  • Lyme, Town of
  • Lyme Central School District


  • Manpower Staffing
  • McGrann Paper Corp.
  • Meade Opticians
  • Metal Man Services
  • Moncrief Land Surveying, P.C.
  • Morrison's Furniture Store
  • Moulton's Construction
  • Mustard Seed, The
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  • Nesco
  • New York Air Brake Corp.
  • North Country Children's Clinic
  • Northern Appraisal Service
  • Northern Lights Chiropractic
  • Northern NY Cerebral Palsy Assoc


  • OB/GYN Association of NY
  • O'Brien's Restaurant and Bar
  • Otis Technology, Inc.
  • Orleans, Town of
  • Overhead Door Company of Watertown


  • Parkview Cleaners
  • Payroll Store, The
  • Planned Parenthood of NNY
  • Purcell Construction


  • Renzi Brothers, Inc.
  • River Hospital
  • Riverside Iron Works
  • Ruddell Business Machines, Inc.
  • Rutland, Town of


  • Sackets Harbor, Village of
  • Sackets Harbor Central School District
  • Sacred Heart Parochial School
  • Samaritan Medical Center
  • Service Master by Meola
  • South Jefferson Central School District
  • STAT Communications
  • St. Lawrence Explosives Corp.
  • St. Patrick's Parochial School
  • Stature Electric
  • Stebbins Engineering & Mfr
  • Stream
  • Swartz Law Firm
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  • Teal's Express
  • Thousand Island Central School District
  • Thousand Island Girl Scout Council
  • Time Warner Cable
  • Timeless Frames / Kelly Woodproducts
  • Timothy Farley, Attorney at Law
  • Truesdell Furniture, Inc.
  • Tug Hill Construction Co., Inc.
  • Turck's Pontiac-GMC Trucks, Inc.


  • Valentine Stores/Nice 'N Easy Grocery Shop
  • Victims Assistance Center of Jefferson County, Inc.
  • Viking Cives USA


  • W & E Allen
  • Waite Toyota
  • Watertown, City of
  • Watertown, Town of
  • Watertown City School District
  • Watertown Lions Club
  • Watson, Town of
  • West Carthage, Village of
  • William C. Brown & Sons
  • Wilna, Town of
  • WWNY TV-7
  • WWTI - 50