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.

First Time Homebuyer:

Ready to buy your first home? We’ll give you up to $7,500 to get started.

We offer generous grants—and sound advice and guidance—to eligible homebuyers.

  • First Time Homebuyer

    Northern Credit Union is an approved member of the Federal Home Loan Bank of New York so we:

    • Assist income eligible first-time homebuyers.
    • Give grants up to $7,500 to be used towards down payment and/or closing costs.
    • Help you save for your down payment over 10- to 24 months in a dedicated savings account.
    • Provide a great way to strengthen good credit practices.
    • Encourage enrollment in a home ownership counseling program.


    For more information about this program download The First-Time Homebuyer Guidelines.

    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.

    Sample payments and APR percentage are based on $100,000 loan amount. 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.