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 may reduce earnings. 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 1 day prior to the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. Fees incurred may reduce earnings on account. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of December 2022.
| Balance* | APY |
|---|---|
| $0 to $10,000.00 | 3.05% |
| $10,000.01 to $35,000.00 | 3.05% |
| $35,000.01 to $50,000.00 | .10% |
| $50,000.01+ | .10% |
Average Daily balance must be at least $10,000 to earn dividends but will be compounded on 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. Fees incurred may reduce earnings on account. Limit one Premium Rewards checking account per person. 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 3.05% APY rate on the first $35,000 in funds, and then dividends at the .10% rate on any balances over $35,000.00. Earn 3.05% APY on all balances up to $35,000. APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of February 2023. Rates may change after the account is opened.
| Balance* | APY |
|---|---|
| $0.00 to $15,000.00 | 0.26% |
| $15,000.01 to $50,000.00 | 0.10% |
| $50,000.01+ | 0.10% |
Rates may change after the account is opened. Fees may reduce earnings. No minimum balance required to earn rewards. A minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $15, and dividends. Qualifying transactions must post and clear to the account during the monthly qualification cycle which is 1 day prior to the last day of the month. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. Fees incurred may reduce earnings on account.
*Minimum of $500 in debit card purchases must be made to earn ATM fee refunds, up to $15, and dividends.
APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of September 1, 2021.
| Term | Balance | Basic* | Better** | Best*** |
|---|---|---|---|---|
| 6 - 12 Months**** | $500+ | 2.90% APY | 3.40% APY | 4.64% APY |
| 24 Months | $500+ | 1.65% APY | 2.15% APY | 2.75% APY |
| 36 Months | $500+ | 1.50% APY | 2.00% APY | 2.60% APY |
| 48 Months | $500+ | 1.10% APY | 1.60% APY | 2.20% APY |
| 60 Months | $500+ | 1.10% APY | 1.60% APY | 2.20% 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.****For flexibility, members have a choice of 6, 7, 8, 9, 10, 11, and 12 months.
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 March 16, 2023.
| 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 $49.99 | 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.
| Account Balance | APY* |
|---|---|
| $0 to $499.99 | 0.10% |
| $500 to $2,499.99 | 0.15% |
| $2,500 to $4,999.99 | 0.15% |
| $5,000 to $9,999.99 | 0.15% |
| $10,000 and over | 0.05% |
*APY=Annual Percentage Yield. See Credit Union for account details. Rates accurate as of February 2023. You may make one (1) withdrawal(s) or transfer(s) from your account each monthly statement cycle.
| Account Balance | APY |
|---|---|
| $0.00 - $34,999.99 | 0.75% |
| $35,000.00 - $74,999.99 | 1.25% |
| $75,000.00 to $249,999.99 | 2.00% |
| $250,000.00 and over | 3.50% |
*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 March 1, 2023.
| 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 | .20% |
| $5,000.01 and over | .15% |
APY=Annual Percentage Yield. See Credit Union for account details. 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 February 2023.
| Account Balance | APY |
|---|---|
| $0 to $49.99 | 0.10% |
| $50 to $4,999.99 | 0.10% |
| $5,000 to $24,999.99 | 0.15% |
| $25,000 + | 0.20% |
*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. 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% | 4.95% |
| $15,000+ | 5 years | up to 90% | 6.00% |
| $15,000+ | 10 years | up to 80% | 5.49% |
| $15,000+ | 10 years | up to 90% | 6.50% |
| $15,000+ | 15 years | up to 80% | 5.88% |
| $15,000+ | 15 years | up to 90% | 6.63% |
*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 11/22/2022. Rates are subject to change.
| Loan Amount | Term | LTV | Fixed Rate APR* (As Low As) |
|---|---|---|---|
| $15,000+ | 5 years | up to 80% | 5.75% |
| $15,000+ | 5 years | up to 90% | 6.50% |
| $15,000+ | 10 years | up to 80% | 6.25% |
| $15,000+ | 10 years | up to 90% | 7.00% |
| $15,000+ | 15 years | up to 80% | 6.38% |
| $15,000+ | 15 years | up to 90% | 7.13% |
*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 11/10/2022. Rates subject to change.
| Credit Line | LTV | Variable Rate APR* (As Low As) |
|---|---|---|
| $7,500 - $100,000 | up to 80% | 3.95% APR for 12 months |
| - | - | 7.50% APR thereafter (prime - .25%) |
| $7,500 - $100,000 | up to 90% | 8.25% (prime + .50%) |
| $7,500 - $100,000 | up to 100% | 9.00% (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. **3.95% 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 7.75%. Rates accurate as of 2/6/2023. 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% | 3.95% APR for 12 months |
| - | - | 7.50% APR thereafter (prime- .25%) |
| $7,500 - $100,000 | up to 90% | 9.25% (prime + 1.50%) |
| $7,500 - $100,000 | up to 100% | 10.00% (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 2/6/2023.
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 |
|---|---|
| 4.95% 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.
| Rate as low as | Term |
|---|---|
| 3.95% APR | 12-month Intro Rate |
| Term | APR |
|---|---|
| Revolving | as low as 9.90% |
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 accurate as of 1/1/2023.
| Term | APR |
|---|---|
| Revolving | as low as 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 accurate as of 1/1/2023.
| Term | APR |
|---|---|
| Revolving | as low as 13.90% |
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 accurate as of 1/1/2023.
| Rates as low as | Term |
|---|---|
| 8.99% Fixed APR** | Up to 60 months |
*APR = Annual percentage rate. Includes a ¼ percentage point discount for payment through automatic transfer from a Northern checking account. The monthly payment for a $12,500 NEXT auto loan at 8.99% APR would be $311.02. Rate quoted is with a cosigner. Rate without a cosigner is as low as 12.99% APR. Ask about our Loan Life and Disability protection, GAP coverage and Auto Insurance.
**Includes sales tax, license and warranty.
*** Payments are considered “on time” when they are made within 30 days of the loan’s due date. If there are any late payments made on the loan then eligibility for this payment incentive program will be void.
Membership required. Rates accurate as of 12/21/2022.
| Rates as low as | Term | Sample Payment |
|---|---|---|
| 4.90% Fixed APR | 48-months | $574.56 |
| 5.49% Fixed APR | 66-months | $439.69 |
| 5.74% Fixed APR | 75-months | $397.47 |
| 6.24% Fixed APR | 84-months | $368.09 |
Vehicles older than 2013 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 12/21/2022. Sample payments based on $25,000 loans respectively at the maximum term allotted for that balance. Rates subject to change.
| Model Year | Min. loan for term | Term | APR (As Low As) |
|---|---|---|---|
| 2020-2023 | $500 | 84 months | 6.25% |
| - | $25,000 | 120 months | 6.49% |
| - | $50,000 | 144 months | 7.09% |
| 2015-2019 | $500.00 | 84 months | 6.99% |
| - | $25,000 | 120 months | 7.99% |
| - | $50,000 | 144 months | 8.99% |
The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and terms of the loan. Loans for collateral 2014 or 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 12/21/2022.
| Model Year | Term | APR (As Low As) | Sample Payment |
|---|---|---|---|
| 2020-2022 | up to 54 months | 7.50% | $109.38 |
| 2016-2019 | up to 54 months | 8.25% | $111.16 |
Sample payments based on $5,000 loans at the maximum term allotted for model year. 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 earlier than six years 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 12/21/2022.
| 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.
Membership required. Rates accurate as of 12/21/2022.
| 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.
Membership required. Rates accurate as of 12/21/2022.
| Term | Fixed Rate APR (As Low As) |
|---|---|
| 0-36 months | 7.99% |
| 37-72 months | 8.99% |
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. Membership required. Rates accurate as of 12/21/2022.