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.

VA Mortgages:

We help military families make their homes in the North Country.

With a VA loan from Northern, you get more than financing for a great home; you get the respect you deserve for serving our nation.

  • VA Loans

    Veterans Affairs (VA) loans are flexible, government-backed loans for veterans and military families, offering:

    • Funding for active duty service members, veterans, and National Guard and Reserve members.
    • The ability to consolidate more debt at a low rate.
    • NO monthly mortgage insurance requirement.
    • The option to borrow 100% of your home’s purchase price OR 100% of its value when you refinance.
    • The option for the seller to pay 4% of loan amount towards prepaid interest/escrow and funding fee.
    • Financing options for those with low credit scores.

     

    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 VA 3.5% 3.872% $463

    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.