5 Reasons 41,000 Members Choose Northern.

The Credit Union Difference: text reads your why is our why collage of photos of people doing things they enjoy.

When you join a credit union, you become a member of something amazing. Learn why so many people choose to experience the Credit Union Difference.


People come first.
When you become part of the Northern family, we wholeheartedly support you and only you: our member-owners. It’s not just a slogan to us, it’s at the core of everything we do and what differentiates us from the rest of the financial industry. Our goal as a not-for-profit community-focused credit union isn’t to generate profit for the bottom line, but instead to provide an institution for member-owners to gain information and professional guidance to make the best possible financial decisions for their families.

We’re here when you need us most.
Your financial well-being is the “why” for our existence – your why, is our why, and we’re committed to helping you reach your goals. Whether that’s through the dream of homeownership, your first vehicle or credit card, earning a college degreeproviding your daughter or son with their dream wedding, or getting through tough times. We’re committed to being your partner, and we’re here when you need us most. Northern Credit Union owes its success over the last 68 years to our loyal and valued member-owners and we are so grateful for that! 

Owned by our members.
You’re part of something bigger, a local community of members that believes in lending a hand and giving back. When you bank at Northern, you’re joining a cooperative owned by the people who save and borrow here and you have a stake and an equal voice in the future direction of your Credit Union and you’re treated with the utmost respect and appreciation; whether you have $50 or $500,000 on deposit. We have no outside shareholders, all of our decisions are made locally, and earnings are returned to members in the form of lower rates on loans, higher dividends, fewer fees and better service.

We’re committed to community.
We’re proud to be part of the North Country and Central NY communities and even prouder of our commitment to giving back to the place we call home—and the people we call family. There’s more than one way to serve your community, we volunteer our time, money and talent through events, programs and sponsorships. In 2022, we strengthened our communities by giving back more than $240,000 to organizations to educate, feed, and support those in need.

We deliver more than technology.
Just like our approach to banking is unique, so are the relationships we build with each member. While the big banks see you as a number, we know there’s more to you than just a credit score. Our best-in-class personalized service, tailored solutions, and advanced technology will save you time, so you can focus on what matters most in life. We make banking simple, and whether you chat with us online, call, text, or stop by, you’ll be greeted by the same friendly faces and receive the same high standard of service.

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! Sounds pretty great, right? We think so too. After all, your WHY is our WHY. Whatever you’re trying to achieve, our goal is to help you reach yours. Get in touch today and discover the Northern difference for yourself.