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If you aren't already a member, we welcome you to enjoy the benefits only a credit union can offer.

Personal Loans:

No collateral? No problem.

With a personal loan from Northern, you can get the cash you need without the hassle you don’t. We believe in giving you the credit you deserve.

With or without a credit history, we’ll help you get the cash you need.

  • Personal

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call or text 315-782-0155

    Term Fixed Rate APR (As Low As) Sample Payment
    0-36 months 6.95% $30.85
    37-72 months 7.45% $17.27

    Sample payments based on $1,000 loan at 36 months and 72 months respectively. The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.

  • NEXT Micro Line

    Sometimes, getting to the next level means getting real and getting your hands on some serious dough. Enter the NEXT Micro Line. Part of NEXT Banking for young adults, with this Micro Line:

    • You don’t need a credit history. (If you do have credit, it needs to be glitch-free.)
    • You get access to up to $1,500 with no cosigner.
    • It’s a revolving credit—use, pay, repeat!
    • Payments come out of your Northern checking account automatically.
    • Applying online or over the phone is fast and easy.

     

    To qualify, you must:

    • Be at least 18 years old.
    • Have less than three years of credit history.
    • Have your current job for at least six months.
    • Have a debt-to-income ratio of 30% or less (we’ll help you figure that out).
    • Complete the online Credit Matters course (it takes less than 15 minutes).

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call or text 315-782-0155

     

    Term APR
    Revolving 14.5%

    The monthly payment is $25 or 3% of the balance is greater. When the line is used as a loan advance there is minimum $50 transfer to checking required. The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.

  • Overdraft Line of Credit (ODLOC)

    ABC = Always Be Covered. An ODLOC can help ensure money is available when you need it, saving you from hassles, embarrassment and fees. Benefits include:

    • Avoiding bounced checks when there’s not enough funds in your account
    • Eliminating the embarrassment of denied transactions
    • Avoiding merchant late fees and returned items
    • It’s a revolving credit—use it to cover overdrafts or use it to build your credit history!
    • Safeguard your payment with Loan Life and Disability Protection.

     

    Finance charges are assessed only if and when an advance is made. The sooner the balance is paid, the less it costs.

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call or text 315-782-0155

    Term APR
    Revolving 14.5%

    The monthly payment is $25 or 3% of the balance, whichever is greater. When the line is used as a loan advance there is a minimum $50 transfer to checking required. The Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.