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

USDA Mortgage:

Looking to buy a home in a rural area? Get your mortgage from your community credit union.

No down payment. No mortgage insurance requirement. No kidding! See if you’re eligible.

  • USDA

    In an effort to make homeownership even more accessible in our community, we are very excited to announce our newest home mortgages product, USDA Home Loans. If you’re looking to buy a home outside the city or town of Watertown, a USDA mortgage can help you get into that home with no money down pending your income. This loan is a great option for first or second time homebuyers with less than perfect credit looking to minimize their cash out of pocket.

    Is the USDA Home Loan right for you?

    • 0% down with a fixed rate up to 30 years.
    • Single-family home purchases only.
    • Credit score of 640 or higher with combined income less than $78,200.
    • Property must be in a rural area approved by the USDA.

    Visit the USDA website to learn more about requirements, eligibility and additional details.

    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 USDA 3.625% 4.078% $460

    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.

    Excluding the city of Watertown and select areas in the Town of Watertown.

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.