Northern Federal Credit Union

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A short history of Northern FCU

Since its inception in 1955 the Northern Federal Credit Union has been serving its members in the WATERTOWN, New York area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Daniel St. Hilaire, the Northern FCU has grown its membership to over 29,659 with assets of more than $245,751,967. They have a main office and 7 branch offices. Please see the credit unions website or contact them by phone at (315) 782-0155 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WATERTOWN, NY.

General Information For Northern FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 10578
Address 138 FACTORY ST 
State New York 
Zip-Code 13601
Phone Number (315) 782-0155
Fax Number (315) 782-8684
Email Address:
CEO/President Daniel St. Hilaire
Members 29,659 
Full-Time Employees 96 
Part-Time Employees
Number of Branch Offices
Total Assets 245,751,967 

Compare Northern Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
State Cs Employees CU MAIN OFFICE Dulles State Office Building 13601 (315) 785-2400 No 1.33
Watertown Postal CU 232 COMMERCE PK DR WATERTOWN NY 13601 232 COMMERCE PARK DR 13601 (315) 788-4163 No 1.76
United Neighbors CU Watertown 605 Coffeen St 13601 (315) 782-6476 No 11.58

Northern Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Northern Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate N/A 3.96 6.28 4.25 4.30
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions N/A 273 472 174 139
Rank Among All New York Credit Unions N/A 105 135 61 41

Northern Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.67 0.20 0.25 0.25 0.52
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 55 108 105 310 225
Rank Among All New York Credit Unions 5 27 28 81 57
Northern Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 0.00000
All Other Unsecured Loans/Lines of Credit 13.0302,97510,402,028
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 6.6202576,638,549
New Vehicle Loans 3.9602264,438,174
Used Vehicle Loans 6.2802,64731,330,781
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.25074977,657,863
Total Other Real Estate Loans/Lines of Credit 4.3001,86266,128,369
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.8506878,153,095
TOTAL LOANS & LEASES 9,403204,748,859

Northern Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 24529,029,826638,619,429
    b. 15 Years or less 16011,645,728151,828,150
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 7848,7684528,251
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 33736,133,541172,317,250


Closed-End Fixed Rate 83734,073,5331276,470,894
Closed-End Adjustable Rate 270,42800
Open-End Adjustable Rate 1,02331,984,408441,210,411
Open-End Fixed Rate 0000
TOTALS 2,611143,786,23227020,974,385


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Northern Federal Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes