Back to Watertown credit unions

Northern

138 FACTORY ST, Watertown, NY 13601
NCUA Insured3.3 (52 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1955

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

138 FACTORY ST

Watertown, NY 13601

Service Area

This credit union is located in Watertown and serves members in the NY area. Currently serving 45,070 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.10%

Used Auto Loan

7.48%

Personal Loan

12.31%

Credit Card APR

11.33%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NY

Lowest rates currently reported by credit unions in NY (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(11 total)

Member Reviews

3.3

52 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Catherine Hill

Catherine Hill

6 months ago

My daughter who lives out of state recently had occasion to wire $106 from her Chase account to my Northern account. Not only did her bank charge her a $25 outgoing wire fee, but, get ready for this, "my Northern" slapped me with a $22 incoming wire fee. Seriously? What could possibly justify these practices? It's nothing but a blatant money grab, They won't be "My Northern" for much longer.

Timothy Sullivan

Timothy Sullivan

10 months ago

I’ve stopped in to talk to someone about a business loan they asked I leave my number for someone to call and a couple days pass with no call, I call to speak to someone and they ask to leave a number again. I’ve banked with northern for years as my mother started my savings account when I was little little and I’ve banked with them religiously ever since and recently notice little things like this starting to add up! I guess it is time to pull everything from northern and use a bank that wants their members!

Timothy Baker

Timothy Baker

2 years ago

I walked into the branch today, maybe 1:30 pm. I had some cash in hand and a couple of checks for deposit. A young man met me at the door, asked what I wanted to do... he then directed me towards the e-teller machine in the back, I said I just wanted to make a simple deposit, "Can't I wait for this young lady here in the front to be finished with the person she's assisting...?". He said no, I needed to sign in at the kiosk (make an appointment). So after doing that (no option to select for "Make Deposit" at kiosk so he checked "Account Maintenance" for me) I waited for several minutes behind others who were waiting for loans/etc., I finally left and drove to the Commerce Park Dr. walked in to a live teller, made my deposit - done. If you're looking to do some simple, quick banking with a live in-person teller, this isn't your spot.

Brandon White

Brandon White

a year ago

Can anyone explain why they take so long. Or help people standing and not the people that sign in and sit for a god awful amount of time in the waiting room? Update: the personnel ACTIVELY persuaded me to not open an account because they claim that I would have to wait too long and the 25 minutes that I had already waited wouldn't matter I would have to sign back in and reset my place in line absolutely will not recommend

Ryne McCarthy

Ryne McCarthy

2 years ago

I will never do anything with this bank again. They did my loan for my house and told me that they could underwrite VA Loans. It turns out they can't. I was locked in with a decent interest rate with Northern, and as a result of them lying about being able to write VA Loans, I had to go to a different bank and lock in a new and higher interest rate. (interest rates were going up at the time this occurred).

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).