Northern Credit Union
Routing number 221380936 · from mynorthern.com, checked 10 July 2026Confirm it on a cheque or with the credit union before you send money.
Recorded in the U.S. National Credit Union Administration (NCUA) registry
Northern is a member-owned, state-chartered credit union based in Watertown, NY, United States. It serves approximately 45,532 members and holds around $698.2 million in total assets. Member deposits are federally insured by the National Credit Union Administration (NCUA).
Who can join: American Consumer Council (ACC): 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, so geography is no longer a concern for those who live outside our current communities.
Key facts
- Address
- 138 FACTORY ST
- Postal code
- 13601
- Members
- 45,532
- Total assets (approx.)
- $698.2 million
- Charter
- State-chartered
- Deposit insurance
- NCUA (NCUSIF)
- Phone
- (315) 782-0155
- Routing number
- 221380936
- Sector
- Credit Unions & Banking
- Country
- 🇺🇸 United States
The 28th largest of 268 credit unions in New York by members (45,532). By total assets (about $698M), the 31st largest of 268. Each bar is a group of credit unions of similar size; the highlighted bar is this one. Source: NCUA call-report data.
Reports more members than 86% of the 4,214 credit unions & banking listed in United States that report a member count.
Products & services
- Checking accounts
- Savings accounts
- Money market
- Auto loans
- Mortgages
- Home equity / HELOC
- Credit cards
- Personal loans
- Student loans
- Business banking
- Insurance
Compiled from Northern Credit Union’s website. Confirm current products and terms on their site.
Looking for a different cooperative?
Search our directory by name, city, or state, or browse the full directory.
Other credit unions in New York
Brockport
Brockport, NY🇺🇸
1,171 members
Credit Unions & BankingView details →Jamestown Area Community
Jamestown, NY🇺🇸
6,318 members
Credit Unions & BankingView details →Niagara-Wheatfield
SANBORN, NY🇺🇸
1,811 members
Credit Unions & BankingView details →Sunmark
Albany, NY🇺🇸
89,171 members
Credit Unions & BankingView details →Great Erie
ORCHARD PARK, NY🇺🇸
10,547 members
Credit Unions & BankingView details →Urban Empowerment
New York, NY🇺🇸
70 members
Credit Unions & BankingView details →Next steps
About credit unions & banking cooperatives
Credit unions and banking cooperatives are financial institutions owned by their members rather than outside shareholders, returning value through better rates and lower fees.
Cooperatives in United States
The United States has 4,214 federally insured credit unions with 146.1 million members (NCUA, June 2026), alongside thousands of agricultural, electric and worker cooperatives.
This listing is sourced from public records published by the National Credit Union Administration (NCUA).
A member with a question or complaint?
Cooperatives.com is a directory. It cannot see or change your account, or pass a message on. Contact Northern Credit Union directly, or use the regulator: NCUA consumer help ↗
Do you run this cooperative?
Staff and board members can claim this listing to keep its details accurate and add their website, contact and story. Basic listings are free.
This is not a way to claim deposits, refunds or payments, and we cannot contact the society for you.
Claim this listingFor the staff or board of this cooperative: get a Featured placement