At Northern Credit Union, you’ll get the banking and service you want— all at the best rates possible. Check out our unbeatable rates and apply now!
At Northern Credit Union, you’ll get the banking and service you want— all at the best rates possible. Check out our unbeatable rates and apply now!
| BALANCE | APY |
|---|---|
| n/a | n/a |
*Choose between $0.10 cashback for every debit card purchase (physical or digital) over $5, up to $10 per month, or get ATM fee refunds, up to $10 per month.
Fees incurred may reduce earnings on the account. No minimum balance required to earn rewards. Minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $10, and dividends. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions.
Limit one NEXT Rewards eChecking account per social security number.
| Balance | APY* |
|---|---|
| $0 to $10,000.00* | 2.00% |
| $10,000.01 to $35,000.00 | 2.00% |
| $35,000.01 to $50,000.00 | 1.43% - 2.0% |
| $50,000.01+ | .10% - 1.42% |
Rates may change after the account is open. Fees incurred may reduce earnings on the account. Qualifying transactions must post and clear to the account during the monthly qualification cycle, which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions.
The Average Daily Balance must be at least $10,000 to earn dividends but will be compounded on the full principal balance on deposit. Because dividends are earned on your average daily balance you can earn rewards on as little as $.01 as long as your average daily balance during the month is $10,000.
*These rates are blended for balances over $35,000. For example, if a member has $35,000 in checking they would receive dividends at the 2.00% APY rate on the first $35,000 in funds, and then dividends at the .10% rate on any balances over $35,000.00. Earn 2.00% APY on all balances up to $35,000.
Limit one Premium Rewards checking account per person.
Rates accurate as of January 31, 2025.
| Balance | APY* |
|---|---|
| $0.00 to $15,000.00 | 0.26% |
| $15,000.01 to $50,000.00 | 0.15% - 0.26% |
| $50,000.01+ | 0.10% - 0.15% |
*These rates are blended for balances over $15,000. For example, if a member has $15,000 in checking they would receive dividends at the 0.26% APY rate on the first $15,000 in funds, and then dividends at the 0.10% rate on any balances over $15,000.00. Earn 0.26% APY on all balances up to $15,000.
Rates may change after the account is opened. Fees may reduce earnings. No minimum balance is required to earn rewards. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is each calendar month, from the first day through the last day. Rewards will be deposited on the evening of the last day of each month. Intra-bank transfers do not count as qualifying transactions.
Limit one Choice Rewards Checking account per social security number.
Rates accurate as of June 1, 2023.
| Term | Balance | Basic* | Better** | Best*** |
|---|---|---|---|---|
| 3 Months**** | $10,000+ | 0.40% APY | 0.90% APY | 1.50% APY |
| 6 Months**** | $10,000+ | 3.15% APY | 3.65% APY | 4.25% APY |
| 12 Months | $500+ | 2.25% APY | 2.75% APY | 3.35% APY |
| 18 Months | $500+ | 0.90% APY | 1.40% APY | 2.00% APY |
| 24 Months | $500+ | 0.90% APY | 1.40% APY | 2.00% APY |
| 30 Months | $500+ | 0.90% APY | 1.40% APY | 2.00% APY |
| 36 - 60 Months | $500+ | 0.03% APY | 0.03% APY | 0.03% APY |
$500 minimum balance required to open a certificate of deposit.
*To be eligible for Basic Rates, member must also have an active Checking and Direct Deposit. ** Better Rates require an active Choice Rewards or Premium or Next Checking and Savings with combined minimum of 10K, Direct Deposit. *** Best Rates require all of the requirements of better, but with combined balances >25K. ****3 & 6 Month CD have $10K Minimum requirement.
Penalty will be applied for early withdrawal. Fees incurred may reduce earnings on account. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of June 1, 2025.
| Balance* | APY |
|---|---|
| $0 to $49.99 | 0.10% |
| $50.00 to $4,999.99 | 0.10% |
| $5,000.00 to $24,999.99 | 0.15% |
| $25,000.00 and over | 0.20% |
*APY = Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 1, 2022.
| Account Balance | APY |
|---|---|
| $0 to $49.99¹ | 0.10% |
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.15% |
| $25,000 and over | 0.20% |
*APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 1, 2022.
¹Dividends earned on $60 or less in the account would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61.
| Account Balance | APY* |
|---|---|
| $0 to $499.99 | 0.10% |
| $500 to $2,499.99 | 0.10% - 0.14% |
| $2,500 to $4,999.99 | 0.14% - 0.15% |
| $5,000 to $9,999.99 | 0.15% |
| $10,000 and over | 0.05% - 0.15% |
*These rates are blended for balances over $499.99. For example, if a member has $499.99 in checking they would receive dividends at the 0.10% APY rate on the first $499.99 in funds, then dividends at the .15% rate on any balances between $500.00 and $9,999.99, and then dividends at the 0.05% rate on any balances over $9,999.99. Earn 0.10% APY on all balances up to $499.99.
You may make one (1) withdrawal(s) or transfer(s) from your account each monthly statement cycle.
Rates accurate as of June 1, 2023.
| Account Balance | APY |
|---|---|
| $0.00 - $34,999.99 | 0.75% |
| $35,000.00 - $74,999.99 | 1.00% |
| $75,000.00 to $249,999.99 | 1.75% |
| $250,000.00 and over | 3.00% |
*APY=Annual Percentage Yield. See Credit Union for account details. Available to members with an active Choice Rewards Checking account or Premium Rewards Checking account. Failure to meet any of these requirements will result in account closure. Rates accurate as of January 31, 2025.
| Amount | APY |
|---|---|
| $0 to $9,999.99 | 0.15% |
| $10,000.00 to $49,999.99 | 0.20% |
| $50,000.00 to $99,999.99 | 0.25% |
| $100,000.00 and over | 0.30% |
*APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 1, 2022.
| Amount | APY* |
|---|---|
| $0 to $1,000.00 | 5.00% |
| $1,000.01 to $5,000.00 | 0.20% - 5.00% |
| $5,000.01 and over | 0.15% - 0.20% |
*These rates are blended for balances over $1,000. For example, if a member has $1,000 in savings they would receive dividends at the 5.00% APY rate on the first $1,000 in funds, then dividends at the 0.20% rate on any balances between $1,000.01 and $5,000.00, and then dividends at the 0.15% rate on any balances over $5,000. Earn 5.00% APY on all balances up to $1,000.
Rates may change after the account is open. Fees incurred may reduce earnings on the account.
Limit one NEXT eSavings account per social security number. You must have an open and active NEXT rewards Checking account. Failure to meet any of these requirements will result in account closure.
Rates accurate as of June 1, 2023.
| Account Balance | APY |
|---|---|
| $0 to $49.99¹ | 0.10% |
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.15% |
| $25,000 + | 0.20% |
**Discounts are redeemable for Smart S.T.A.R.T members only when presenting Smart S.T.A.R.T Saver Card at checkout at participating businesses. Smart S.T.A.R.T Saver Cards are valid for Smart S.T.A.R.T members only and Cards will expire annually. Expired cards will no longer be accepted at participating businesses. New cards will be mailed annually to eligible Smart S.T.A.R.T. members only. Membership required. Smart S.T.A.R.T Saver Card can be used multiple times at participating businesses. This card has no cash value. Federally insured by NCUA.
***Based on availability, reservation required.
¹Dividends earned on $60 or would be less than 1 cent, therefore dividends would not pay out until the account balance reaches at least $61.
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. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 2022.
| Loan Amount | Term | LTV | Fixed Rate APR* (As Low As) |
|---|---|---|---|
| $15,000+ | 5 years | up to 80% | 5.41% |
| $15,000+ | 5 years | up to 90% | 6.41% |
| $15,000+ | 10 years | up to 80% | 6.16% |
| $15,000+ | 10 years | up to 90% | 7.16% |
| $15,000+ | 15 years | up to 80% | 6.41% |
| $15,000+ | 15 years | up to 90% | 7.41% |
*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by Northern Credit Union: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick-built residences and seasonal residences only. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Membership required.
Rates accurate as of 07/31/2024. Rates are subject to change.
| Loan Amount | Term | LTV | Fixed Rate APR* (As Low As) |
|---|---|---|---|
| $15,000+ | 5 years | up to 80% | 5.91% |
| $15,000+ | 5 years | up to 90% | 6.91% |
| $15,000+ | 10 years | up to 80% | 6.66% |
| $15,000+ | 10 years | up to 90% | 7.66% |
| $15,000+ | 15 years | up to 80% | 6.91% |
| $15,000+ | 15 years | up to 90% | 7.91% |
*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within 3 years. Rate quoted is for 5 years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick-built residences and seasonal residences only. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Membership required.
Rates accurate as of 07/31/2024. Rates subject to change.
| Credit Line | LTV | Variable Rate APR* (As Low As) |
|---|---|---|
| $7,500 - $100,000 | up to 80% | 4.59% APR for 12 months |
| - | - | 7.25% APR thereafter (prime - .25%) |
| $7,500 - $100,000 | up to 90% | 8.00% (prime + .50%) |
| $7,500 - $100,000 | up to 100% | 8.75% (prime + 1.25%) |
*Annual Percentage Rate. No Closing Costs as long as the line of credit remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin is based on the amount of the Credit Line, the borrower’s credit history, and the Loan To Value (LTV) ratio. **4.59% APR is fixed for the first year when the borrower meets certain underwriting guidelines. After the first 12 months, it adjusts to a variable Prime Interest Rate -.25% thereafter on borrowed amounts of $7,500.00 (minimum loan amount) to $100,000.00 (maximum loan amount). Rates quoted are for up to 80% LTV, 90% LTV and 100% LTV. Rates are determined by term, overall credit history, LTV, and type of property. Wall Street Journal Prime Rate currently is 7.50%. Rates accurate as of 12/19/24. Rate cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner-occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Please review our HELOC disclosure and brochure for more information about HELOCs. Membership required.
| Credit Line | LTV | Variable Rate APR* (As Low As) |
|---|---|---|
| $7,500 - $100,000 | up to 80% | 4.59% APR for 12 months |
| - | - | 7.25% APR thereafter (prime- .25%) |
| $7,500 - $100,000 | up to 90% | 9.00% (prime + 1.50%) |
| $7,500 - $100,000 | up to 100% | 9.75% (prime + 2.25%) |
*Annual Percentage Rate. No Closing Costs as long as line remains open for 36 months. Rate is adjustable and subject to change monthly. Rate based on Wall Street Journal Prime Rate plus or minus a margin. Margin is based on the amount of the Credit Line, the borrower’s credit history, and the Loan to Value ratio.
Rate quoted is for up to 80% LTV, 90% LTV and 100% LTV. Rates determined by term, overall credit history, LTV, and type of property. Rates accurate as of 12/19/2024.
Cap of 2% per change, 6% per Year, Maximum Rate of 16%, Rate Floor of 3.00%. 5 Year Draw period and repayment period of up to 240 months (depending on balance due at the end of draw and product selected). 1-4 family, owner occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater. Ask about our Loan Life and Disability Protection and Homeowners Insurance. Please review our HELOC disclosures and brochure for more information about HELOCs. Membership required.
| Rates as low as | Term |
|---|---|
| 5.41% Fixed APR | 60-months |
*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within three years. Rate quoted is for five years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick built residences and seasonal residences only. Membership required.
Rates accurate as of 7/31/2024. Rates subject to change.
| Rate as low as | Term |
|---|---|
| 1.99% APR | 6-month Intro Rate |
| Term | APR |
|---|---|
| Revolving | 17.24% - 25.00% |
*APR= Annual Percentage Rate. The Business Rewards Visa® APR could be as low as 17.24%-25.00%, based on your creditworthiness and other factors. These rates are current as of 10/1/2023. **The introductory rate of 0% APR applies to balance transfers and purchases during the first 12-months after the account opening of a Business Rewards Visa® credit card. After the introductory period, your APR for those transactions and any other transactions and balance transfer requests, if approved, would revert to the APR set for your credit card. ***Earn 1.5% cashback rewards for each purchase. Rewards never expire and are redeemable under your card management tools in MyCardInfo. Card approval is subject to underwriting guidelines. For NY residents only, call 877-667-8499 to redeem rewards up to 90 days after the account has been closed.
| Term | APR |
|---|---|
| Revolving | 9.90% - 18.90% |
Interest rate and fee information
Maximum line of $25,000. Loan approval is based on member’s credit history and overall ability to pay the loan requested. Rates subject to change. Membership required. Rates updated on 12/31/24.
| Term | APR |
|---|---|
| Revolving | 20.99% |
Interest rate and fee information
Maximum line of $25,000. Loan approval is based on credit history and overall ability to pay the loan requested. Rates subject to change. Membership required. Rates updated on 12/31/24.
| Term | APR |
|---|---|
| Revolving | 13.90% - 19.90% |
Interest rate and fee information
Maximum line of $25,000. Loan approval is based on member’s credit history and overall ability to pay the loan requested. Rates subject to change. Membership required. Rates updated on 12/31/24. For NY residents only, call 877-667-8499 to redeem rewards up to 90 days after the account has been closed.
| Rates as low as | Term | Sample Payment |
|---|---|---|
| 5.29% Fixed APR | 48-months | $810.63 |
| 5.29% Fixed APR | 60-months | $665.23 |
| 5.29% Fixed APR | 72-months | $568.46 |
| 5.99% Fixed APR | 84-months | $511.21 |
| 6.24% Fixed APR | 96-months | $464.14 |
Vehicles older than 2018 will receive personal loan rates. The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Contact Northern Credit Union for specific details. Rates are accurate as of 6/23/2025. Rates are subject to change. Sample payments based on $35,000 loans respectively at the maximum term allotted for that balance. Credit union membership is required. Ask about our Loan Life and Disability protection, GAP coverage and Auto Insurance.
¹Loans subject to credit qualifications and approval.
| Rates as low as | Term | Sample Payment |
|---|---|---|
| 5.29% Fixed APR | 48-months | $810.71 |
| 5.29% Fixed APR | 60-months | $665.23 |
| 5.29% Fixed APR | 72-months | $568.46 |
| 5.99% Fixed APR | 84-months | $511.21 |
| 6.24% Fixed APR | 96-months | $464.14 |
Vehicles older than 2018 will receive personal loan rates. The annual percentage rate is the advertised rate and can vary based on creditworthiness, age of vehicle, and terms of the loan. Contact Northern Credit Union for specific details. Rates are accurate as of 6/23/2025. Sample payments based on $35,000 loans, respectively at the maximum term allotted for that balance. Rates are subject to change. Credit union membership is required.
¹Loans subject to credit qualifications and approval.
| Model Year | Min. loan for term | Term | APR (As Low As) | Sample Payment |
|---|---|---|---|---|
| 2022-2025 | $500 | 84 months | 7.61% | $153.93 |
| - | $25,000 | 120 months | 7.86% | $301.47 |
| - | $50,000 | 144 months | 8.11% | $551.42 |
| 2019-2021 | $500 | 84 months | 8.37% | $157.71 |
| - | $25,000 | 120 months | 8.62% | $311.57 |
| - | $50,000 | 144 months | 8.87% | $565.36 |
The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of the vehicle and terms of the loan. Loans for collateral 2018 or older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection, GAP Coverage and insurance. Membership is required. Rates are accurate as of 6/23/2025. Sample payments are based on a $10,000 loan for 84-month term; $25,000 loan for a 120-month term; and $50,000 loan for a 144-month term.
| Model Year | Term | APR (As Low As) | Sample Payment |
|---|---|---|---|
| 2024 and Newer | 48 months | 8.99% | $248.86 |
| - | 60 months | 8.99% | $207.59 |
| - | 72 months | 8.99% | $450.63 |
| - | 84 months | 8.99% | $402.21 |
| 2022-2023 | 48 months | 9.99% | $253.64 |
| - | 60 months | 9.99% | $212.48 |
| - | 72 months | 9.99% | $463.15 |
Sample payments for terms of 60 months or less are based on $10,000 loans. For terms of 72 or more sample payments are based on loans of $25,000. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Rates subject to change. Loans for model years 2019 and older are factored at personal/unsecured loan rates. Ask about our Loan Life and Disability Protection, GAP Coverage and insurance. Membership required. Rates accurate as of 6/23/2025.
| Balances | APY* |
|---|---|
| $0.01 - $9,999 | 2.00% |
| $10,000 - $99,999 | 2.00% |
| $100,000 - $249,999 | 2.00% |
| $250,000 and up | 2.00% |
Rates accurate as of January 31, 2025. Rates may change after the account is opened. *APY = Annual Percentage Yield. Available to members with an active Business Checking account and Business Debit Card.
| Balance | APY |
|---|---|
| na | na |
| Balances | APY* |
|---|---|
| $50-$4,999.99 | 0.10% |
| $5,000-$24,999.99 | 0.10% |
| $25,000 + | 0.10% |
APY = Annual Percentage Yield. See credit union for account details. Rates current as of 11.3.2021.
| Term | APR |
|---|---|
| Revolving | 14.50% |
The monthly payment is $25 or 3% of the balance is greater. When the line is used as a loan advance there is minimum $50 transfer to checking required. The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.
Credit union membership is required. Rates accurate as of 11/24/23.
| Term | APR |
|---|---|
| Revolving | 14.50% |
The monthly payment is $25 or 3% of the balance, whichever is greater. When the line is used as a loan advance there is a minimum $50 transfer to checking required. The Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage.
Credit union membership is required. Rates accurate as of 11/24/23.
| Term | Fixed Rate APR (As Low As) | Sample Payment |
|---|---|---|
| 0-24 months | 9.24% | $229.02 |
| 25-48 months | 9.49% | $125.62 |
| 49-72 months | 9.99% | $92.64 |
The annual percentage rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Ask about our Loan Life and Disability Coverage. Credit union membership is required. Sample payments are based on a $5,000 loan at the maximum term allotted for tier. Rates are accurate as of 2/7/2025.