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!


Member Apprecation Day

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: Start a Video Banking session with a live team member, apply using our online application, call 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.


Northern Team at Lewis County Fair

Who can join Northern?

Community Members: Any person who resides, works (regularly conducts business), worships or attends school in Jefferson, Lewis, St. Lawrence, Oswego, Clinton, Franklin, Onondaga and Madison Counties in New York and any family members of such persons.


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.




Want to bank with us? Start a Video Banking session with a live team member or open an account online!