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

FHA Mortgages:

If you have less-than-perfect credit or a small downpayment, this loan is for you.

Get the low down payment you need now. The security and safety you want always.

  • FHA Loans

    A mortgage insured by the Federal Housing Authority (FHA) can help make buying your own home possible with:

    • A manageable 3.5% down payment.
    • The ability to finance other debt such as insurance, utility bills or minor renovations with one low rate.
    • Use of gifts toward 100% of closing costs and down payment.
    • Lower closing costs for homes in Jefferson, Lewis and St. Lawrence counties.
    • Flexible income limits.
    • No prepayment penalties.


    Apply online and get $100 at closing*! Not sure which mortgage is right for you—or prefer to speak to a lender? Call one of our experienced home lending professionals at 315-777-8910.

    Term Interest (starting at) APR (starting at) Sample Payment
    30 Year FHA 3.75% 4.55% $474

    Sample payments and APR percentage are based on $100,000 loan amount. The payments displayed do not include amounts for escrow, taxes or insurance. Actual payments may be greater, if applicable. The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

    *$100 will be deposited into a Northern Credit Union deposit account at the time of mortgage loan funding.

As of Wednesday, April 1, 2020, all drive-thru and lobby hours will change in consideration of the health and well-being of our member-owners and internal owner team members. 

Drive-thru and call center hours during the week are 7:30am-6pm except for Carthage and Lowville which are 9:00am - 6:00pm. On Saturdays drive-thru and call center hours are 9:00am - 1:00pm.

For relationship centers still taking appointments, you can book an appointment on our  website, mobile or online banking message, through Video Banking and over the phone at 315.782.0155.