Northern Credit Union - Nationwide Branches
| Branch | Address | View Lobby Hours |
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Factory Branch
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120 Factory St, Watertown, NY 13601 |
View Lobby Hours
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Gouverneur Branch
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145 E Main St, Gouverneur, NY 13642 |
View Lobby Hours
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Commerce Park Branch
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1180 Commerce Park Dr E, Watertown, NY 13601 |
View Lobby Hours
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Adams Branch
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10924 US Route 11, Adams, NY 13605 |
View Lobby Hours
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Corporate Office
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138 Factory St, Watertown, NY 13601 |
View Lobby Hours
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Featured - 30 Year Fixed Mortgage Rates 2025
NMLS ID: 1025894
|
6.956%
|
6.875% |
0.63 |
$2,636 |
$2,103 |
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|
NMLS ID: 401822
|
7.010%
|
6.875% |
0.75 |
$4,395 |
$2,103 |
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|
NMLS ID: 6606
|
7.084%
|
6.990% |
1.00 |
$3,050 |
$2,127 |
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|
NMLS ID: 3030
|
7.715%
|
7.625% |
0.88 |
$2,800 |
$2,265 |
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|
Featured - Home Equity Line Of Credit Rates 2025
Achieve Loans
See Table
|
Intro APR
8.750 %
After Intro: 8.750 %
|
$0
|
Learn More
More Info
|
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.
- Competitive rates, Pre-qualify in minutes
- Mortgage Advisors standing by to help find the best solution
- Flexible terms with fast funding
- Minimum credit score: 640
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