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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
Saturday 9:00 am - 12:00 pm

Drive Thru Hours:

24/7
Favorite Smell: Fresh Apple Pie
Favorite Delivery: Chinese Food
Favorite Flower: Orange Daises
24/7 Drive-Thru Lanes: 3 Advanced ATMs- 1 With Live Teller Access During Business Hours
Favorite Sweets: Donuts
Virtual Offices: 4
Favorite Teams: Cyclones, Lions, Indians and Vikings!
Parking Spots: 32
  • Mortgage Lender In Watertown, NY

    Northern Credit Union’s Commerce Relationship Center is your go-to mortgage lender in Watertown, NY. We understand the challenge of getting the best mortgage rates for your home-buying journey, so we provide the area’s lowest mortgage rates. Northern is devoted to keeping our mortgage rates in Watertown, NY, competitive so that you get the best deal on your dream house.

    Northern Credit Union’s Commerce Relationship Center offers mortgage loans in Watertown, NY, to meet the individual needs of our community. USDA, No Closing Cost, and new construction home loans are just a few of the mortgage loans in Watertown, NY, that we offer, along with other options that are tailored to your particular home-buying journey. We are here to support you in finding the right mortgage that aligns with your goals and financial needs, whether this is your first house or you are looking to upgrade to a second mortgage.

    Our mortgage lenders in Watertown, NY, realize the stress of purchasing a home and navigating the mortgage process. They are dedicated to providing guidance and support at every step, ensuring that you have an effortless experience. At Northern, we also offer plenty of online tools through our online mortgage learning center, which has a variety of guides, toolkits, and other materials. At Northern’s Commerce Relationship Center, we enjoy offering the best mortgage rates in Watertown, NY, helping you turn your homeownership aspirations into a reality. Connect with one of our professional mortgage lenders in Watertown, NY, today, and let us help you make your dreams of homeownership come true.

  • Digital and Online Banking in Watertown, NY

    At Northern Credit Union’s Commerce Relationship Center in Watertown, NY, we pride ourselves on being more than just an online banking provider; we are a part of your community. Our commitment to digital and online banking in Watertown, NY, is about providing services that resonate with the lives of our members. From user-friendly mobile banking to secure online transactions, we focus on enhancing your everyday financial experience.

    We strive to ensure every member feels at home with our easy-to-use banking tools and supportive customer service. By providing comprehensive guides and personalized assistance, we make managing your finances simple and stress-free, whether handling them from the comfort of your home or on the go in Watertown, NY.

    As your chosen online banking provider in Watertown, NY, Northern Credit Union’s Commerce Relationship Center is all about serving you and the community. We’re here to support your financial journey with personalized digital and online banking services in Watertown, NY. Join our Northern Credit Union family and discover how our digital and online banking services can simplify your financial life.

  • Fixed Rate Mortgages in Watertown, NY

    Purchasing your dream home in Watertown, NY, shouldn’t come with surprises—especially when it comes to your mortgage payments. At the Northern Credit Union Commerce Relationship Center, we provide mortgages in Watertown, NY, with the security of fixed mortgage rates. This means your interest rate and monthly payments stay the same for the duration of your loan, up to 30 years, ensuring financial stability in your household budget.

    By choosing a fixed-rate mortgage in Watertown, NY, at our Commerce Relationship Center, you can confidently plan your financial future. Whether setting roots for a decade or looking forward to spending a lifetime in your Watertown home, our fixed-rate mortgages make your dreams predictable and attainable. Lock in your rate today and enjoy the peace of knowing what your payments will be, year after year.

    At the Commerce Relationship Center of Northern Credit Union, we pride ourselves on being more than just a financial institution; we are part of your community. Our mortgage experts guide you through every step of securing a mortgage in Watertown, NY. Join our family at Northern Credit Union and experience a personalized, supportive mortgage process that puts your needs first right here at the heart of Watertown, NY.

  • Adjustable Rate Mortgages in Watertown, NY

    When buying a home, flexibility matters, especially if you’re exploring adjustable-rate mortgages in Watertown, NY. At Northern Credit Union’s Commerce Relationship Center in Watertown, we specialize in helping you understand if an ARM is the right choice for your lifestyle. An adjustable-rate mortgage typically starts with lower, fixed payments for the first several years. That makes it a smart choice if you plan on moving, expect your income to increase, or simply want lower initial payments to ease into homeownership.

    At our Commerce Relationship Center, our friendly team of mortgage experts makes understanding ARM mortgage rates in Watertown, NY, easy. We offer competitive ARM mortgage rates in Watertown that are designed for your budget and homeownership goals. Are you curious how your payments might change over time? Check out our helpful Adjustable Rate Mortgage calculator to see how adjustments could impact your monthly payments. That way, you can confidently plan your financial future.

    Ready to explore your options? Visit Northern Credit Union’s Commerce Relationship Center today or contact us directly to speak with one of our mortgage specialists. We welcome you to the Northern Family and help you make Watertown, NY, home.