NCUA-insured credit union
Northern
Credit Union headquartered in Watertown, New York.
Source: NCUA call report data, data as of March 31, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 138 Factory St Watertown, NY 13601 |
| County | Jefferson |
| Website | not published in NCUA data |
| Phone | (315) 782-0155 |
NCUA record
| NCUA Charter | 68696 |
| Federal Reserve RSSD ID | 194981 |
| Status | Active |
| Charter type | 2 (STATE) |
| Financials as of | March 31, 2026 |
Routing number
NCUA does not publish ABA routing numbers, and many credit unions use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this credit union, the "account details" screen in its online banking, or its official website.
See how your odds compare before you apply at Northern.
Offices
| Corporate Office main office Watertown, NY |
138 Factory St, 13601 (315) 782-0155 Monday-Friday 8-5 |
| Adams Branch Adams, NY |
2 Elmwood Ave, 13605 (315) 232-2990 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT |
| West Carthage Branch Carthage, NY |
88 Bridge St, 13619 (315) 519-1277 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed |
| Croghan Branch Croghan, NY |
9804 State Route 812, 13327 (315) 782-0155 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT |
| Countryside Credit Union - Division Of Northern Credit Union East Syracuse, NY |
5720 Commons Park, 13057 (315) 445-2300 M-F 8:30-4:30 |
| Leray Branch Evans Mills, NY |
26424 Johnson Road, 13637 (315) 782-0155 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT |
| Gouverneur Branch Gouverneur, NY |
145 E Main St, 13642 (315) 287-0356 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed |
| Lowville Branch Lowville, NY |
5801 Number Four Rd, 13367 (315) 376-7303 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed |
| Massena Relationship Center Massena, NY |
88 Parker Ave, 13662 (315) 782-0155 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT |
| Commerce Park Branch Watertown, NY |
1180 Commerce Park Dr E, 13601 (315) 785-5600 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Drivethru/Lobby: Saturday 9:00-12:00 Sunday-Closed 24/7 Enhanced ATM DT |
| Factory Branch Watertown, NY |
120 Factory St, 13601 (315) 782-0155 Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed |
Where Northern has offices
Other credit unions headquartered in Watertown
| State Cs Employees | $48.66 million |
| Watertown Postal | $5.62 million |