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Payment Center

Northern Credit Union gives you a variety of options to make your loan payment. With several convenient ways to make a payment, you can repay your loan quickly and easily. Our flexible terms allow you to set up your loan payments how you wish. 

Use any of our convenient options to make your payment.




By Auto Pay

Make sure your loan payment is always on-time by enrolling in automatic payments. These automatic transfers can be made from a Northern account or another financial institution on a monthly, biweekly, or weekly schedule. You can enroll in auto pay through Online Banking or by contacting us and we'll do it for you.

In Online or Mobile Banking

Log into Online or Mobile Banking to make a loan payment, and simply transfer your desired payment amount from your Northern account. You can also set up a recurring transfer to schedule your payment 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. Once logged in:
  • Press 4 (transfer funds or make payment)
  • Then press 2 (for Payments)
  • Then press 1 (make an immediate payment) or 2 (schedule a payment)

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. A $15 fee applies for this service. Please contact our Credit Solutions Team at 315.779.3120 to process your payment via credit card.

By Mail

When making a loan payment by mail, please note on the check which loan the payment is to be applied towards. Payments by check may be mailed to:
   Northern Credit Union
   120 Factory Street
   Watertown, NY 13601

In Branch

Stop into any of our branches to make a payment on your loan - you can even use an ATM or Personal Teller!

If you have any questions regarding making your payment, please contact us at 315.782.0155, send us a message or stop into any of our branches

Concerned about making a late payment? If you're making a payment more than 30 days past the due date, please contact our Credit Solutions Team at 315.779.3120 or at to discuss your options. We'll find a way to make your payments work - just reach out to us.

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