--- title: "Northern Credit Union Rates - New York" description: "Current vehicle loan, heloc, personal loan, and savings & cd rates from Northern Credit Union in New York. Updated daily with source verification. See who can join Northern Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-york/northern" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Northern Credit Union Rates - New York ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **60-Month Auto Loan** auto_any_60mo | — APR | 4.990% | 60 mo | Standard | | **Auto Loan** auto | — APR | 4.990% | — | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | | **72-Month Auto Loan** auto_any_72mo | — APR | 5.290% | 72 mo | Standard | | **84-Month Auto Loan** auto_any_84mo | — APR | 5.990% | 84 mo | Standard | | **96-Month Auto Loan** auto_any_96mo | — APR | 6.240% | 96 mo | Standard | | **Recreational - Boats, Motorhomes, Campers, RVs, etc. (84 months)** powersports_any_84mo | — APR | 7.610% | 84 mo | Standard | | **Recreational - Boats, Motorhomes, Campers, RVs, etc. (120 months)** powersports_any_120mo | — APR | 7.860% | 120 mo | Standard | | **Toys** auto | — APR | 7.860% | — | Standard | | **Recreational - Boats, Motorhomes, Campers, RVs, etc. (144 months)** powersports_any_144mo | — APR | 8.110% | 144 mo | Standard | Northern Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 5 offers | Product | Published | Rate | Term / condition | Status | | **My Choice Home Equity Loan - 1st Lien Position (5 years)** heloc_fixed | — APR | 5.410% | — | Standard | | **My Choice Home Equity Loan - 1st Lien Position (10 years)** heloc_fixed | — APR | 6.160% | — | Standard | | **My Choice Home Equity Loan - 1st Lien Position (15 years)** heloc_fixed | — APR | 6.410% | — | Standard | | **My Choice HELOC - 1st Lien Position** heloc_variable | — APR | 8.250% | — | Standard | | **My Choice HELOC - 2nd Lien Position** heloc_variable | — APR | 8.500% | — | Standard | Northern Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.240% | — | Standard | | **Personal Loans In New York (0-24 months)** personal_unsecured_24mo | — APR | 9.240% | 24 mo | Standard | | **Personal Loans In New York (25-48 months)** personal_unsecured_48mo | — APR | 9.490% | 48 mo | Standard | | **Personal Loans In New York (49-72 months)** personal_unsecured_72mo | — APR | 9.990% | 72 mo | Standard | Northern Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Share Certificates (36 - 60 Months)** share_certificate_60mo | — APY | 0.03% | 60 mo | Standard | | **$0 To $49.99¹** savings | — APY | 0.10% | — | Context only | | **Premium Rewards Checking** checking | — APY | 0.10% | — | Context only | | **$50.00 To $4,999.99** savings | — APY | 0.10% | — | Standard | | **My Own Savings** savings | — APY | 0.10% | — | Context only | | **$5,000.00 To $24,999.99** savings | — APY | 0.15% | — | Standard | | **Choice Rewards Checking** checking | — APY | 0.15% | — | Context only | | **Money Market ($0 to $9,999.99)** money_market | — APY | 0.15% | — | Standard | | **NEXT eSavings ($5,000.01 and over)** savings | — APY | 0.15% | — | Context only | | **Money Market ($10,000–$49,999.99)** money_market | — APY | 0.20% | — | Standard | | **$25,000.00 And Over** savings | — APY | 0.20% | — | Standard | | **Money Market ($50,000–$99,999.99)** money_market | — APY | 0.25% | — | Standard | | **Choice Rewards Checking** checking | — APY | 0.26% | — | Context only | | **Money Market ($100,000+)** money_market | — APY | 0.30% | — | Standard | | **Premium Rewards Checking** checking | — APY | 1.43% | — | Context only | | **30-Month Certificate** share_certificate_30mo | — APY | 2.00% | 30 mo | Standard | | **Business Money Market Account In NY ($10,000 - $99,999)** money_market | — APY | 2.00% | — | Eligibility restricted | | **Premium Rewards Checking** checking | — APY | 2.00% | — | Context only | | **Business Money Market Account In NY ($250,000 and up)** money_market | — APY | 2.00% | — | Eligibility restricted | | **18-Month Certificate** share_certificate_18mo | — APY | 2.00% | 18 mo | Standard | | **Business Money Market Account In NY ($0.01 - $9,999)** money_market | — APY | 2.00% | — | Eligibility restricted | | **24-Month Certificate** share_certificate_24mo | — APY | 2.00% | 24 mo | Standard | | **Business Money Market Account In NY ($100,000 - $249,999)** money_market | — APY | 2.00% | — | Eligibility restricted | | **12-Month Certificate** share_certificate_12mo | — APY | 3.35% | 12 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 4.00% | 6 mo | Standard | | **3-Month Certificate** share_certificate_3mo | — APY | 4.00% | 3 mo | Standard | | **10-Month Certificate** share_certificate_10mo | — APY | 4.25% | 10 mo | Standard | | **NEXT eSavings ($1,000.01 to $5,000.00)** other | — APY | 0.20% | — | Context only | | **NEXT eSavings ($0 to $1,000.00)** other | — APY | 5.00% | — | Context only | Northern Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **6-month Intro Rate** other | — % | 2.990% | — | Introductory offer | Northern Credit Union other rates as of November 12, 2026 Northern Credit Union is a credit union in New York. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-york/northern) , verified from [Northern Credit Union's official website](https://www.mynorthern.com/) Loading branch locator… ## About Northern Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 45.2K Assets $682.1M Founded 1955 Locations reported 11 NCUA charter 68696 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**State CS Employees** MAIN OFFICE · WATERTOWN · NY · 13601 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-york/state-cs-employees) [**Americu** Watertown · Watertown · NY · 13601-2345 About 1.1 miles away](https://rateapi.dev/credit-unions/new-york/americu) [**Watertown Postal** 232 COMMERCE PK DR WATERTOWN NY 13601 · WATERTOWN · NY · 13601 About 1.7 miles away](https://rateapi.dev/credit-unions/new-york/watertown-postal) [**Sea Comm** Branch - Watertown · Watertown · NY · 13601 About 2.5 miles away](https://rateapi.dev/credit-unions/new-york/sea-comm) [**Navy Federal Credit Union** Evans Mills NY · Evans Mills · NY · 13637 About 6.0 miles away](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) [**RT** Lyons Falls Branch · Lyons Falls · NY · 13368 About 36.1 miles away](https://rateapi.dev/credit-unions/new-york/rt) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Northern Credit Union Membership eligibility from Northern Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Northern Credit Union's website. Check the membership page below to confirm whether you qualify. - Association American Consumer Council (ACC) Verified from [Northern Credit Union's membership page](https://www.mynorthern.com/join/) . Final membership determination is always made by the credit union. ## Membership rules for Northern Credit Union Associations · Family 2 published paths to membership, last verified August 21, 2026, quoted from Northern Credit Union’s own published criteria. ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of American Consumer Council “Our new charter allows members of the American Consumer Council (ACC) – a national organization that advocates for consumer rights and financial education – to join our credit union” > [source ↗](https://www.mynorthern.com/join/) - Member of American Consumer Council ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling “Immediate family members of current or eligible Northern members including a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling or someone with an adoptive relationship.” > [source ↗](https://www.mynorthern.com/join/) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Northern Credit Union? Yes No ## Work at Northern Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Northern Credit Union ranks against New York peers. - See which AI assistants fetched Northern Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New York - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=northern&state=new-york&code=NY&name=Northern%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Northern Credit Union offer? Northern Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Northern Credit Union rates updated? RateAPI verifies Northern Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Northern Credit Union's rate data? Rate data is collected directly from Northern Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Northern Credit Union? Northern Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 association for Northern Credit Union, each quoted from Northern Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Northern Credit Union's rates against national credit-union benchmarks. [More New York credit unions](https://rateapi.dev/credit-unions/new-york) [New York auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-york) [New York HELOC rate leaders](https://rateapi.dev/heloc-rates/new-york) [New York personal loan leaders](https://rateapi.dev/personal-loan-rates/new-york) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.mynorthern.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Northern Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New York credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Northern Credit Union curl "https://api.rateapi.dev/credit-unions/new-york /northern " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Northern Credit Union locations Search, filter, and browse all 11 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-york/northern Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp