NCUA-insured credit union
Northern — Watertown, NY
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 |
How to find your Northern 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.
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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
Cities with the most Northern offices
Other credit unions headquartered in Watertown
| State Cs Employees | $48.66 million |
| Watertown Postal | $5.62 million |
Largest credit unions headquartered elsewhere in New York
| Fourleaf Bethpage | $14.37 billion |
| Esl Rochester | $10.64 billion |
| United Nations Long Island Cit | $10.48 billion |
| Teachers Smithtown | $9.94 billion |
| Broadview Albany | $9.20 billion |
| Hudson Valley Poughkeepsie | $8.11 billion |
| Visions Endicott | $5.25 billion |
| Municipal New York | $5.10 billion |
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