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.


It’s your money. Why not save it your way?

Savings with the features you need—and the extras you want.

  • Basic Savings

    Ready to take the first step toward your savings goals? Then our Basic Savings account is for you!

    • Open one with just $5.
    • Earn dividends on balances of $50 or more.
    • Use your savings balance as optional overdraft protection on your checking account.


    The best part? You’ll become a Northern Credit Union member just for opening your account!

    Account Balance APY
    $50 to $4,999.99 0.10%
    $5,000 to $24,999.99 0.15%
    $25,000 + 0.20%

    APY=Annual Percentage Yield.  See Credit Union for account details.

  • Easy Savings

    Looking for an easy way to start saving for something special or plan for a rainy day?  Our Easy Savings Account is just what you’re searching for!

    • Perfect for motivated and seasoned savers – build your cushion for an emergency fund or upcoming purchase.
    • Earn a premium rate
    • Keep saving with automatic monthly deposits of $25 or more
    • One withdrawal per month.*

    Does this sound like the right savings account for you? Don’t wait! There’s no minimum opening deposit requirement, so you can start saving now!

    Account Balance APY* Dividend Rate
    $0 to $499.99 0.00% - 0.10% 0.10%
    $500 to $2,499.99 0.10% - 0.22% 0.25%
    $2,500 to $4,999.99 0.22% - 0.29% 0.35%
    $5,000 to $9,999.99 0.29% - 0.39% 0.50%
    $10,000 and over 0.05% - 0.39% 0.05%

    *APY=Annual Percentage Yield. See Credit Union for account details.

    *You may make one (1) withdrawal(s) or transfer(s) from your account each monthly statement cycle. If your transactions bring the balance below $500.00, there will be a $5.00 monthly fee. Easy Savings accounts require an electronic transfer minimum monthly deposit of $25.00. Failure to meet any of these requirements will result in account closure.


  • High Yield Savings

    For maximum savings potential and benefits—and a minimum opening deposit requirement—opt for Northern’s High Yield Savings Account. Exclusively offered with Choice Rewards Checking or Premium Choice Checking, you can:

    • Open your account with only $1.*
    • Get high yield dividends, compounded and credited monthly

    Don’t wait! The only thing standing between you and high yield dividends is one whole dollar (and great FREE checking)!

    Account Balance APY
    $0 to $24,999.99 0.10%
    $25,000 - $49,999.99 0.25%
    $50,000 and over 0.30%

    APY=Annual Percentage Yield. See Credit Union for account details.

    *Initial High Yield deposits must be made from funds not on deposit at Northern Credit Union in the 30 days before opening the account. Available only to members with a Premium Choice Checking account. Failure to meet any of these requirements will result in account closure.

  • Certificate of Deposit (CD)

    What’s so great about a CD? CDs boost the amount you earn in interest income. When you reach the end of the term, the money is yours for whatever you need!

    • Send your savings skyrocketing and open your CD for as little as $5,000.
    • Northern’s 12-month CD rates are competitive and designed to help you save!
    • Discover the credit union difference with no monthly fees and all the convenience you’ve come to expect from Northern.

    Funds must be new money to the Credit Union in the last 60 days.

    Amount APY* Percentage of New Money**
    $5,000+ 2.75% 100%
    $5,000+ 2.50% 50% - 99.99%
    $5,000+ 2.25% 25% - 49.99%

    *APY=Annual Percentage Yield. Rates as high as 2.75% Annual Percentage Yield for a 12-month CD. After 12 months, the rate goes to the existing CD rate. $5,000 minimum balance required to open a certificate of deposit. To be eligible for CD, member must also have a Premium Choice, Choice Rewards or Business Checking account. Maximum CD balance is $250,000. **CD rate will vary based on CD funds being new money to the credit union in the last 60 days. If CD is funded with 100% new money, CD will earn 2.75% APY. If 50%-99.99% of funds are new to the credit union, then CD will earn 2.50% APY. If CD is funded with 25%-49.99% new money, then CD will earn 2.25% APY. Penalty will be applied for early withdrawal. Minimum $5 deposit required to open and hold membership with NCU. Membership is open to any person who resides, works (regularly conducts business), worships or attends school in Jefferson, Lewis, St. Lawrence, Oswego, Clinton, Franklin, Onondaga and Madison Counties in New York; any person who is employed by or a pensioner of any Select Employee Group in such counties; and any family members of such persons. Incentives are non-transferable. Offer can be revoked at any time. Fees incurred may reduce earnings on account.

  • Money Market

    What’s better than earning high interest rates? The freedom to access your money when you want it with Northern’s Money Market Account!

    • Deposit more, earn more through tiered dividend levels.
    • No minimum balance, withdrawal requirements or monthly fees.
    • Use up to six checks, ATM withdrawals or funds transfers per month.


    Start earning great rates—without giving up convenience—now!

    Amount APY
    $0 - $9,999.99 0.10%
    $10,000+ 0.25%

    APY=Annual Percentage Yield. See Credit Union for account details.

  • Christmas and Vacation Club Savings

    There’s an easy way to save for those special times. With a Northern Christmas or Vacation Club Savings Account:

    • Save as little—or as much—as you want every week.
    • Make flexible deposits or withdrawals any time.
    • Earn competitive dividends on balances of $50 or more.


    Let Northern help you on your way to a holiday or trip you won’t forget!

    Balance* APY
    $50 to $4,999.99 0.10%
    $5,000 to $24,999.99 0.15%
    $25,000 + 0.20%

    APY = Annual Percentage Yield. See Credit Union for account details.

  • Smart S.T.A.R.T. Savings

    Ready to teach your kids the value of saving? It’s never too early with the Smart S.T.A.R.T. Savings Program, open to kids up to age 12! Smart S.T.A.R.T. (Savings Today Are Rewards Tomorrow) ® provides a fun way for children to learn lifelong skills. Northern’s partnership with the NYS Zoo at Thompson Park provides our youngest members rewards sure to drive them WILD!

    • Complimentary birthday passes to the zoo.
    • Invites to seasonal parties, like our Halloween Spooktacular event, complete with games, raffles, prizes and more!
    • A special wildlife toy of the month each time they make a minimum monthly $5 deposit.
    • Discounted admission to Summer Zoofari Education Camp (subject to availability).
    • Opportunities to enter special contests throughout the year.


    Start your kids off on the road to savings today!

    Account Balance APY
    $50 to $4,999.99 0.10%
    $5,000 to $24,999.99 0.15%
    $25,000 + 0.20%

    APY=Annual Percentage Yield. See Credit Union for account details.

    *Based on availability, reservation required.

    Members can fund savings accounts for their child(ren) and limit access until their child(ren) reach the age of 18. The account owner is the child, but only one parent or guardian can be listed as the custodian and controls the account until the child is no longer a minor. After the child becomes an adult, the custodian will need to close the account and the funds will be given to the child to open a general membership savings or checking account. 

  • NEXT eSavings

    NEXT eChecking with eStatements is great for today; NEXT eSavings sets you up for tomorrow! Designed for young adults ages 18–25 with NEXT eChecking, you:

    • Get 5.00% APY on your first $500.
    • Earn 0.10% APY on everything over that!


    Now that you’re saving in style, check out awesome products like auto loans and student loans that you can get with the rest of NEXT!

    Amount APY Dividend Rate
    $0 - $500.00 5.00% 4.89%
    $500.01 and over 0.10%-5.0% 0.10%

    APY=Annual Percentage Yield. See Credit Union for account details. Limit one NEXT eSavings account per social security number. Failure to meet any of these requirements will result in account closure.