Factory Lobby Temporarily Closed

The Factory, LeRay and Carthage Relationship Center lobbies are temporarily closed.

Due to the recent rise of COVID-19 cases in some communities, Northern is temporarily closing our Factory Relationship Center lobby effective Wednesday, January 13. We’re taking these precautions to protect our member-owners, internal-owners, and community as a whole.

Drive-thru service will remain open and night drop will still be available for deposits and processed on Mondays, Wednesdays and Fridays. The Commerce Relationship Center lobby remains open for members to make appointments for select services, including business transactions and change orders.

Mortgage closings will still occur at 138 Factory Street. Arrive at the backside of the building at the time of your appointment to be let in.

We continue to encourage the use of digital services whenever possible for your convenience. Please find a chart below with the list of services available by appointment. You can also view and print the chart for reference here.

  • Do nearly all your banking, including new accounts, loans and more from the safety of home with Video Banking.
    • ​Download the Northern Credit Union Video Banking app from your device’s app store or use the desktop version in Google Chrome.
  • Now you can do more with your debit/ATM card at our drive-thrus. With our Advanced ATMs, you can cash a check in one step, make loan payments, request a mini-statement, see all accounts and shares you have access to, and choose specific cash denominations for withdrawal. Simply insert your debit card to get started!
    • Use our Personal Tellers to assist with most common transactions, including withdrawals up to $10,000 per day, check cashing with immediate access to payroll checks, share-to-share transfers, loan payments, and more.
  • Pay bills, deposit checks, manage your account and more with Online and Mobile Banking.
    • Enrolling is easy, just let us know if you need help!
  • Call or text us at 315.782.0155.
  • Connect with us through Live Chat on our website, just click the green bubble at the bottom right and select the Live Agent option.
  • Get answers to nearly all of your questions 24/7 with our new chatbot by clicking the green chat icon at the bottom right.
  • Submit a Contact Us form on our website.

Make An Appointment with Northern Credit Union

Relationship center lobby hours and closure information: 

  • Gouverneur and Lowville
    • Lobby: By appointment only for select services (see chart below) – Monday-Friday, 9am-5pm
    • Drive-thru: Monday-Thursday, 8:30am-5:30pm; Friday, 8:30am-6pm; and Saturday, 9am-1pm.
  • Adams, Commerce and Croghan
    • Lobby: By appointment only for select services (see chart below) – Monday-Friday, 9am-5pm, Saturday, 9am-12pm
    • Drive-thru: Monday-Thursday, 8:30am-5:30pm; Friday, 8:30am-6pm; and Saturday, 9am-1pm.
  • Massena
    • ​​Lobby: By appointment only for Personal Teller transactions and select services (see chart below)- Monday, Wednesday and Friday, 9am-5pm.
  • Factory, Carthage and LeRay
    • Lobby: Temporarily Closed
    • Drive-thru: Monday-Thursday, 8:30am-5:30pm; Friday, 8:30am-6pm; and Saturday, 9am-1pm.

Continued Safety Measures.

Face coverings and personal protection:reopening - mask icon

Masks are required when entering any relationship center in accordance with NYS law. If you don’t have a mask, a team member will give one to you to use and keep.
– If you’re uncomfortable wearing a mask, we ask that you use a Personal Teller, Video Banking, or other Bank@Home options to complete your transaction. We appreciate your understanding and cooperation to protect and respect.

reopening - hand sanitizer icon
Hand sanitizer:
– Hand sanitizer will be available at the entrance of each relationship center and next to all lobby Personal Tellers and ATMs for your use before and after each transaction.


reopening - social distance iconSocial distancing:
– To help maintain appropriate social distancing, we ask that you use the social distancing decals on the floor when waiting in line.
– Upon arrival for your appointment, we’ll greet you and verify your identity at the door and take your temperature. If the relationship center is at capacity, we’ll reserve your spot in line, invite you to wait in your vehicle, and come out to get you when it’s time for your appointment.



reopening health and wellness iconWellness:
– Before coming to work, team members have their temperature taken and must report if they or a member of their household isn’t feeling well to discuss whether they should seek advice from a healthcare provider about potential testing or self-isolation.
– All individuals visiting our relationship center will have their temperature taken at the door before entering.



reopening sanitizing iconIncreased sanitation and other measures:
– Our cleaning company will disinfect surfaces in each relationship center nightly.
– Team members will wipe down shared surfaces like tablets, keypads, touch screens, desks, and doorknobs frequently throughout the day.
– Inside Personal Tellers and ATMs will be wiped down after each use.
– At this time, refreshment stations at each relationship center will remain closed.


Our goal is to provide you, our member-owners, reliable access to the services they count on, especially during this time of uncertainty. As new developments emerge, we’ll share information about how we’ll continue to operate with everyone’s health and well-being in mind.  Despite the threat posed by COVID-19, Northern Credit Union remains optimistic and dedicated to your well-being. You are our members, part of the Northern family, and together we will get through this difficult situation. If you have any questions, please call or text 315.782.0155, send us an Online or Mobile message, or connect with us via Video Banking or Live Chat.