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Not a member of Northern Credit Union? Join our family

If you aren't already a member, we welcome you to enjoy the benefits only a credit union can offer.

At Northern Credit Union, we understand that life is busy. Sometimes, you just can’t bank during normal relationship center hours or you don’t have time to wait in line or even want to get out of your car (especially during Northern New York winters!).  That’s where our Advanced ATMs come in.



Lobby Hours:

Monday 9:00 am - 4:00 pm
Tuesday 9:00 am - 4:00 pm
Wednesday 9:00 am - 4:00 pm
Thursday 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm


Drive Thru Hours:

24/7
Favorite Team: Red Raiders
We are: The Northernmost Relationship Center
Favorite Lunch Spot: On-A-Roll Deli & Meats
Favorite Color: Orange
Year Opened: 2022
Favorite App: Northern's Video Banking App
Favorite Holiday: International Credit Union Day
Favorite Animal: Cat
  • Digital and Online Banking in Massena, NY

    Northern Credit Union stands at the heart of the Massena community, nurturing financial connections for our families. Offering digital and online banking in Massena, NY, we provide various services to customize your banking experience, like mobile banking, online bill pay, and more. We’re here to support every member, whether you’re cozy at home or out and about.

    As the leading online banking provider in Massena, NY, Northern Credit Union is more than just a service; we’re a dedicated partner to our community. We offer many digital banking tools, from in-depth guides to video tutorials. Let us guide you through our mobile and online banking features with clear, step-by-step instructions.

    Be part of the Northern Credit Union family and experience hassle-free financial management. As Massena, NY’s trusted online banking provider, we’re with you at every step, ensuring you feel supported and in control of your finances. Join the many who have chosen digital and online banking in Massena, NY, with Northern Credit Union. 

  • Massena Mortgage: Mortgage Lender In Massena, NY

    As a mortgage lender in Massena, NY, Northern Credit Union proudly strives to offer our members the best rates and services for their home financing needs. Whether you are a first-time homebuyer, refinancing your current home, or looking for a second mortgage, we can help you find the right Massena mortgage for your needs.

    To accommodate your unique lifestyle, we work to find the best-fit mortgage option for you with flexible terms, low rates, and low or no closing costs. We provide a selection of mortgages and mortgage loans in Massena, NY, including fixed-rate mortgages, adjustable-rate mortgages, no closing cost mortgages, VA Loans, and more to fit your unique needs. At Northern Credit Union, we understand how important it is to buy a home, especially for first-time homebuyers.

    Contact us today to learn more about our current mortgage rates in Massena, NY, and how we can help you achieve your dreams of homeownership. Start browsing our online Mortgage Learning Center for more resources, including our homebuying toolkit, a simple-to-use guide that breaks down the homebuying process. Join our family and find the Massena mortgage fit for your life, goals, and budget today!

  • Fixed Rate Mortgages in Massena, NY

    Fixed Rate Mortgages in Massena, NY

    The journey to homeownership is more than a transaction when you work with Northern Credit Union in Massena, NY. As you lay down roots, Northern Credit Union is here to guide you with tailored mortgage solutions. Our approach makes your home-buying journey in Massena smooth and stress-free, guiding you toward owning your dream home. 

    Choosing a mortgage in Massena, NY, offers the simplicity and security of consistent monthly payments for up to 30 years. This feature is beneficial if you plan your finances without worrying about unexpected changes. Whether stepping into your first home or planting roots in your forever home, opting for a fixed mortgage rate ensures that your payments remain stable, providing peace of mind in your financial future.

    At Northern Credit Union in Massena, NY, we’re committed to making your path to homeownership feel like a walk in the park. Our local team of mortgage specialists is ready to help you choose the right mortgage for your needs. Join the Northern Credit Union family here in Massena, NY, and start your homeownership journey with a supportive team by your side.

  • VA Loans in Massena, NY

    If you’ve served our country, you deserve a home loan that serves you. At Northern, we’re proud to help veterans and active-duty service members in Northern New York become homeowners with the benefits of a VA Loan in Massena, which includes no down payment, no private mortgage insurance (PMI), and lower rates. Homeownership should be within reach, and Northern is here to help make it happen with our VA Loans.

    As a trusted VA Loan lender in Massena, NY, we’ll guide you through every step, ensuring you understand your benefits and how to maximize them. VA Loans in Massena, NY, provide affordable financing, flexible qualification requirements, and exclusive savings that make buying or refinancing a home more manageable for those who have served. Whether you are ready to purchase or refinance or need answers about eligibility, our professional mortgage lenders are here with expert guidance and local expertise to help you create a better financial future.

    At Northern, we are committed to supporting those who have served by providing VA Loans in Massena with a process built around your needs. Buying a home is a big step, and we are here to take the weight off your shoulders and make the journey as smooth as possible. Our mortgage lending professionals take the time to listen, answer questions, and provide solutions that fit your unique situation. Visit our Massena relationship center and explore your VA Loan options with a knowledgeable lender, or call us today. Your service deserves a home; we are honored to help make that happen.

  • No Closing Cost Mortgages in Massena, NY

    Purchasing a home is a significant milestone, but closing costs can add up fast. At Northern, we offer no closing cost mortgages in Massena, NY, making homeownership more accessible with upfront savings built into your loan. This option allows eligible buyers, including first-time homebuyers, to reduce out-of-pocket expenses at closing, which, in turn, helps them move in faster with less financial stress.

    So, how does a no closing cost mortgage work? Instead of paying thousands in closing costs upfront, those fees are covered in exchange for a slightly higher interest rate. This means no surprise charges at closing, giving you the flexibility to keep more money in your pocket for moving expenses, home improvements, or an emergency fund. A no closing cost mortgage in Massena, NY, is an excellent choice for buyers who plan to stay in their home for a shorter period or prefer lower upfront costs over long-term savings.

    At Northern, we know every homebuyer’s situation is unique, and our team is here to help you decide if a no closing cost mortgage in Massena, NY, is the right fit for you. Visit our Massena relationship center or give us a call to explore your mortgage options and make homeownership a reality without the burden of upfront fees.