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Not a member of Northern Credit Union? Join our family

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

At Northern Credit Union, we understand that life is busy. Sometimes, you just can’t bank during normal relationship center hours or you don’t have time to wait in line or even want to get out of your car (especially during Northern New York winters!).  That’s where our Advanced ATMs come in.



Lobby Hours:

Monday 9:00am - 4:00pm
Tuesday 9:00am - 4:00pm
Wednesday 9:00am - 4:00pm
Thursday 9:00am - 4:00pm
Friday 9:00am - 5:00pm

Drive Thru Hours:

24/7
Favorite Color: Blue
Favorite Team: Spartans & Panthers
Proud Team Members: 3
Favorite Eats: Ramsey's Pizzeria
24/7 Drive-Thru Lanes: 2 Advanced ATMs - 1 With Live Assist access during business hours
Favorite Furry Friend: Dog
Favorite Holiday: Arbor Day (it all started in Adams, afterall)
Favorite Adams Event: Cheese Festival
  • Digital and Online Banking in Adams, NY

    Northern Credit Union is committed to making the lives of our members and community better in Adams, NY. We offer a variety of digital and online banking services for our community in Adams, NY, so whether you’re cozying up at home or out and about, you can complete nearly all your banking with ease. Our technology allows you to manage your finances, pay bills, deposit checks, and receive account alerts seamlessly, making us your top choice for digital and online banking in Adams, NY.

    We understand the importance of having access to your finances anytime, anywhere, so we have developed a comprehensive range of digital banking resources. These resources include tutorials and guides to help you maximize your digital and online banking in Adams, NY.

    Join the Northern Credit Union family today and discover the convenience of our digital and online banking in Adams, NY. Contact us today to learn more about how we can assist you in managing your finances more effectively. Your go-to digital and online banking partner in Adams, NY, is here to support you every step of the way.

  • Mortgage Lender In Adams, NY

    At Northern Credit Union, we take pride in serving as a mortgage lender in Adams, NY, that is dedicated to providing our members with the best rates and services. Whether you’re a first-time home buyer, seeking to refinance your current home, or interested in a second mortgage, we’re committed to assisting you in finding the perfect mortgage in Adams, NY, that suits your current and future lifestyle.

    We strive to tailor our mortgage options to your distinct lifestyle, ensuring that you receive the best possible fit in terms of flexible terms, low rates, and low or no closing costs. Our mortgage loans in Adams, NY, include fixed-rate mortgages, adjustable-rate mortgages, VA home loans, FHA loans, new home construction loans, and many more options – all designed to meet your individual needs. We realize the significance of owning a home, particularly for first-time homebuyers. This is why we offer personalized solutions, with the added convenience of video banking that enables you to connect with our seasoned lending professionals in Adams, NY. We’re here to make the process as easy and stress-free as possible for you as your go-to mortgage lender in Adams, NY.

    Contact us today to learn more about our mortgage rates in Adams, NY, and how we can assist you in achieving your dreams of becoming a homeowner. Begin exploring our Mortgage Learning Center online, where you’ll find additional resources, including our user-friendly homebuying toolkit, which offers a step-by-step breakdown of the home-buying process. Become a part of the Northern Credit Union family today, your go-to mortgage lender in Adams, NY.

  • Conventional Mortgage & Fixed-Rate Mortgage in Adams, NY

    Embarking on the journey to owning a home in Adams, NY, can feel like navigating a maze without a map. The fear of unexpected interest rate hikes and the complexities of choosing the right mortgage, such as a conventional mortgage in Adams, NY, can overshadow the joy of home ownership. That’s where Northern Credit Union steps in. We specialize in conventional and fixed-rate mortgages in Adams, NY, offering stability and peace of mind in the unpredictable world of real estate.

    Imagine locking in your interest rate with a fixed-rate mortgage in Adams, NY, securing predictable monthly payments, and waving goodbye to the anxiety of rate increases. Whether you’re planning to cherish your Adams, NY, home for a decade or dreaming of a lifelong haven, our fixed-rate mortgage ensures your monthly payment remains constant from the first year to the 30th.

    At Northern Credit Union, we’re more than just a lender; we’re your neighbors committed to simplifying your path to home ownership. Our experts in conventional mortgages are here to guide you through each step, ensuring you find the perfect mortgage solution tailored to your needs, including the option of a conventional mortgage in Adams, NY. Become a part of our community and discover the Northern difference: a stress-free, transparent mortgage experience right here in Adams, NY.

  • FHA Loan in Adams, NY

    Are you thinking about buying a home in Adams, NY? Northern Credit Union has got you covered with our FHA loans. An FHA loan in Adams, NY, makes homeownership accessible with just a 3.5% down payment. It’s perfect for getting you settled into our wonderful community.

    What’s great about a Northern Credit Union FHA loan in Adams, NY, is how it simplifies your finances. You can roll the costs of buying your home and things like insurance and minor upgrades into one manageable mortgage. This way, you can focus on enjoying your new place without worrying about juggling different bills. Plus, you can even use gifts to cover your down payment and closing costs, making the whole process smoother. And the best part? There are no penalties if you want to pay off your loan early – you can handle your mortgage your way.

    At Northern Credit Union, we are more than just a lender; we are your partners in the journey to homeownership. Our team is here to walk you through all the details of getting an FHA loan in Adams, NY, ensuring you feel supported every step of the way. Join the Northern Credit Union family, and let’s make your homeownership dreams in Adams, NY come true together.