There’s only one way to manage your money: Your way. We offer several convenient repayment options to repay your Northern loan quickly and easily – your way.


  • Auto Pay
    Make sure your payment is always on time with our free, automatic payment services. Automatic transfers can be made from a Northern account or another financial institution on a monthly, biweekly, or weekly schedule. Enroll through Online Banking or contact us and we’ll set it up for you.


  • Online or Mobile Banking
    Log into Online or Mobile Banking to make a loan payment. Simply transfer your desired payment amount from your Northern account to your loan. You can also set up a recurring transfer to make your payments automatically.


  • By iTalk Telephone Teller
    Pay your loan over the phone using our push button iTalk Telephone Teller service. All you need is your account number, social security number and zip code.


  • By Mobile Deposit
    Deposit a check into your checking or savings with Mobile Deposit and transfer the funds to your loan in mobile banking.


  • By Credit Card
    Pay your loan over the phone by credit card. Please contact our Credit Solutions Team at 315-779-3120 to process your payment via credit card. A $15 fee applies for this service.


  • By Mail
    Please make sure to note on your check your loan number or type and mail it to:

Northern Credit Union
120 Factory Street
Watertown, NY 13601

  • In Person
    Stop into any of our relationship centers to make a payment on your loan—you can save even more time by using an ATM or Personal Teller!


Have a question about your loan payment? Contact us, call us at 315-782-0155 or stop into any of our relationship centers.

Concerned about making a late payment? Contact our Credit Solutions Team at 315-779-3120 to discuss your options. We’ll find a way to make your payments work: Just reach out to us so we can help you.