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.

Seasonal Home Mortgages:

Because life is meant to be enjoyed.

Northern specializes in mortgages for seasonal properties and second homes.

  • Seasonal Home

    Whether you’re looking for a cottage on the river or lake, a hunting camp in the Adirondacks or a winter wonderland lodge on Tug Hill, look to Northern for a mortgage that fits your dreams—and your budget. We offer:

    • Financing of up to 90% of the home’s value (most competitors only finance 80%).
    • No Private Mortgage Insurance (PMI) requirement.
    • Flexible terms of up to 30 years.
    • Fast approval so you can enjoy your second home sooner.


    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 Rate APR Sample Monthly Payment
    30 Year Fixed 5.125% 5.586% $544
    15 Year Fixed 4.875% 5.375% $784

    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.