Northern Credit Union
Routing number 221380936 · from mynorthern.com, checked 10 July 2026Confirm it on a cheque or with the credit union before you send money.
Recorded in the U.S. National Credit Union Administration (NCUA) registry
Northern is a member-owned, state-chartered credit union based in Watertown, NY, United States. It serves approximately 45,532 members and holds around $698.2 million in total assets. Member deposits are federally insured by the National Credit Union Administration (NCUA).
Who can join: American Consumer Council (ACC): Our new charter allows members of the American Consumer Council (ACC) - a national organization that advocates for consumer rights and financial education - to join our credit union, so geography is no longer a concern for those who live outside our current communities.
Key facts
- Address
- 138 FACTORY ST
- Postal code
- 13601
- Members
- 45,532
- Total assets (approx.)
- $698.2 million
- Charter
- State-chartered
- Deposit insurance
- NCUA (NCUSIF)
- Phone
- (315) 782-0155
- Routing number
- 221380936
- Sector
- Credit Unions & Banking
- Country
- 🇺🇸 United States
Reports more members than 86% of the 4,214 credit unions & banking listed in United States that report a member count.
Products & services
- Checking accounts
- Savings accounts
- Money market
- Auto loans
- Mortgages
- Home equity / HELOC
- Credit cards
- Personal loans
- Student loans
- Business banking
- Insurance
Compiled from Northern Credit Union’s website. Confirm current products and terms on their site.
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Credit Unions & BankingView details →About credit unions & banking cooperatives
Credit unions and banking cooperatives are financial institutions owned by their members rather than outside shareholders, returning value through better rates and lower fees.
Cooperatives in United States
The United States has 4,214 federally insured credit unions with 146.1 million members (NCUA, June 2026), alongside thousands of agricultural, electric and worker cooperatives.
This listing is sourced from public records published by the National Credit Union Administration (NCUA).
A member with a question or complaint?
Cooperatives.com is a directory. It cannot see or change your account, or pass a message on. Contact Northern Credit Union directly, or use the regulator: NCUA consumer help ↗
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