Northern Credit Union
Verified rate book
Current Northern Credit Union rates
51 published offers verified as of August 4, 2026.
Auto & vehicle rates
10 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Auto Loanauto | 4.990% APR | 4.990% | — | Standard |
| NEXT Auto Loan (48-months)auto_any_48mo | 4.990% APR | 4.990% | 48 mo | Standard |
| NEXT Auto Loan (60-months)auto_any_60mo | 4.990% APR | 4.990% | 60 mo | Standard |
| NEXT Auto Loan (72-months)auto_any_72mo | 5.290% APR | 5.290% | 72 mo | Standard |
| NEXT Auto Loan (84-months)auto_any_84mo | 5.990% APR | 5.990% | 84 mo | Standard |
| NEXT Auto Loan (96-months)auto_any_96mo | 6.240% APR | 6.240% | 96 mo | Standard |
| Recreational - Boats, Motorhomes, Campers, RVs, etc. (84 months)powersports_any_84mo | 7.610% APR | 7.610% | 84 mo | Standard |
| Recreational - Boats, Motorhomes, Campers, RVs, etc. (120 months)powersports_any_120mo | 7.860% APR | 7.860% | 120 mo | Standard |
| Toysauto | 7.860% APR | 7.860% | — | Standard |
| Recreational - Boats, Motorhomes, Campers, RVs, etc. (144 months)powersports_any_144mo | 8.110% APR | 8.110% | 144 mo | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| My Choice Home Equity Loan - 1st Lien Position (5 years)heloc_fixed | 5.410% APR | 5.410% | — | Standard |
| My Choice Home Equity Loan - 1st Lien Position (10 years)heloc_fixed | 6.160% APR | 6.160% | — | Standard |
| My Choice Home Equity Loan - 1st Lien Position (15 years)heloc_fixed | 6.410% APR | 6.410% | — | Standard |
| My Choice HELOC - 1st Lien Positionheloc_variable | 8.000% APR | 8.000% | — | Standard |
| My Choice HELOC - 2nd Lien Positionheloc_variable | 8.250% APR | 8.250% | — | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Loans In New York (0-24 months)personal_unsecured_24mo | 9.240% APR | 9.240% | 24 mo | Standard |
| Personal Loans In New York (25-48 months)personal_unsecured_48mo | 9.490% APR | 9.490% | 48 mo | Standard |
| Personal Loans In New York (49-72 months)personal_unsecured_72mo | 9.990% APR | 9.990% | 72 mo | Standard |
Savings & CD rates
32 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Certificates (36 - 60 Months)share_certificate_60mo | 0.03% APY | 0.03% | 60 mo | Standard |
| Share Certificates (36 - 60 Months)share_certificate_60mo | 0.03% APY | 0.03% | 60 mo | Standard |
| $0 To $49.99¹savings | 0.10% APY | 0.10% | — | Standard |
| My Own Savingssavings | 0.10% APY | 0.10% | — | Standard |
| Choice Rewards Checkingsavings | 0.10% APY | 0.10% | — | Standard |
| $50.00 To $4,999.99savings | 0.10% APY | 0.10% | — | Standard |
| NEXT eSavings ($5,000.01 and over)savings | 0.15% APY | 0.15% | — | Standard |
| Money Market ($0 to $9,999.99)money_market | 0.15% APY | 0.15% | — | Standard |
| $5,000.00 To $24,999.99savings | 0.15% APY | 0.15% | — | Standard |
| $25,000.00 And Oversavings | 0.20% APY | 0.20% | — | Standard |
| Money Market ($10,000–$49,999.99)money_market | 0.20% APY | 0.20% | — | Standard |
| Money Market ($50,000–$99,999.99)money_market | 0.25% APY | 0.25% | — | Standard |
| Money Market ($100,000+)money_market | 0.30% APY | 0.30% | — | Standard |
| Premium Rewards Checkingsavings | 1.43% APY | 1.43% | — | Standard |
| 30-Month Certificateshare_certificate_30mo | 2.00% APY | 2.00% | 30 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 2.00% APY | 2.00% | 18 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 2.00% APY | 2.00% | 18 mo | Standard |
| Business Money Market Account In NY ($250,000 and up)money_market | 2.00% APY | 2.00% | — | Standard |
| Business Money Market Account In NY ($0.01 - $9,999)money_market | 2.00% APY | 2.00% | — | Standard |
| Business Money Market Account In NY ($100,000 - $249,999)money_market | 2.00% APY | 2.00% | — | Standard |
| Business Money Market Account In NY ($10,000 - $99,999)money_market | 2.00% APY | 2.00% | — | Standard |
| 30-Month Certificateshare_certificate_30mo | 2.00% APY | 2.00% | 30 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.35% APY | 3.35% | 12 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.35% APY | 3.35% | 12 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 4.00% APY | 4.00% | 6 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 4.00% APY | 4.00% | 6 mo | Standard |
| 3-Month Certificateshare_certificate_3mo | 4.00% APY | 4.00% | 3 mo | Standard |
| 3-Month Certificateshare_certificate_3mo | 4.00% APY | 4.00% | 3 mo | Standard |
| NEXT eSavings ($1,000.01 to $5,000.00)other | 0.20% APY | 0.20% | — | Standard |
| NEXT eSavings ($0 to $1,000.00)other | 5.00% APY | 5.00% | — | Standard |
Other rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 6-month Intro Rateother | 1.990% % | 1.990% | — | Introductory offer |
Vehicle loans available from 4.99% APR. HELOC rates from 5.41% APR. Personal loan rates from 9.24% APR. Savings and certificate yields up to 5.00% APY.
Source: RateAPI.dev, verified from Northern Credit Union's official website
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About Northern Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 45.2K
- Assets
- $682.1M
- Founded
- 1955
- Locations reported
- 11
- NCUA charter
- 68696
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- First-time homebuyer program
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
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Who Can Join Northern Credit Union
Membership eligibility from Northern Credit Union's own published criteria. How we verify this.
Membership criteria are published on Northern Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Northern Credit Union's membership page. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Northern Credit Union offer?
Northern Credit Union currently offers vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Northern Credit Union rates updated?
RateAPI verifies Northern Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Northern Credit Union's rate data?
Rate data is collected directly from Northern Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Northern Credit Union's auto & powersports loan rates?
As of August 4, 2026, Northern Credit Union offers vehicle loans from 4.99% APR.
What is Northern Credit Union's HELOC rate?
As of August 4, 2026, Northern Credit Union offers home equity lines of credit from 5.41% APR.
What is Northern Credit Union's personal loan rate?
As of August 4, 2026, Northern Credit Union offers personal loans from 9.24% APR.
What is Northern Credit Union's best CD rate?
As of August 4, 2026, Northern Credit Union offers savings and certificate (CD) yields up to 5.00% APY.
Related Rate Data
Compare Northern Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
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# Get rates for Northern Credit Union
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