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 Mobile Deposit
    Deposit a check into your checking or savings with Mobile Deposit and transfer the funds to your loan in mobile banking.
  • Want to make a payment on your Northern loan with an account from another financial institution, but don’t have Online or Mobile Banking?
    Not to worry, we have you covered, check out our online payment option and be sure to check out Online and Mobile Banking, and enjoy the freedom of banking wherever, whenever!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.
  • 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 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

  • By Debit Card
    Pay your loan over the phone by debit card. Please contact us at 315-782-0155 to process your payment.
  • 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!