New York · NCUA branch file, Q2 2026
Credit unions in Watertown, NY
5 credit unions have 8 offices in Watertown, New York, according to the branch information they filed with NCUA for the quarter ended June 30, 2026. Northern Federal Credit Union has the most here (3); the largest by assets is Americu Credit Union at $3.03 billion.
| Credit union | Offices here | Assets | Net worth ratio | New auto rate | Based in |
|---|---|---|---|---|---|
| Northern Federal Credit Union | 3 | $698M | 10.48% | 5.70% | Watertown, NY |
| State CS Employees Federal Credit Union | 2 | $49.4M | 9.30% | 6.00% | Watertown, NY |
| Americu Credit Union | 1 | $3.0B | 9.56% | 6.83% | Rome, NY |
| Sea Comm Federal Credit Union | 1 | $777M | 17.96% | 6.74% | Massena, NY |
| Watertown Postal Federal Credit Union | 1 | $5.7M | 14.40% | 4.15% | Watertown, NY |
Rates are what each credit union reported to NCUA for new auto loans, not offers. All New York credit union loan rates.
Addresses, phone numbers and hours
Northern Federal Credit Union
- Corporate Office 138 Factory St, Watertown, NY 13601 Main office
- Factory Branch 120 Factory St, Watertown, NY 13601 Drive-through · ATM
- Commerce Park Branch 1180 Commerce Park Dr E, Watertown, NY 13601 Drive-through · ATM
State CS Employees Federal Credit Union
- MAIN OFFICE Dulles State Office Building, Watertown, NY 13601 Main office · ATM
- BRANCH OFFICE 144 Eastern Boulevard, Watertown, NY 13601 Drive-through · ATM
Americu Credit Union
- Watertown 871 Arsenal St, Watertown, NY 13601 Drive-through · ATM
Sea Comm Federal Credit Union
- Branch - Watertown 20565 State Route 3, Watertown, NY 13601 Drive-through · ATM
Watertown Postal Federal Credit Union
- 232 COMMERCE PK DR WATERTOWN NY 13601 232 Commerce Park Dr, Watertown, NY 13601 Main office
Addresses, phones and hours are as each credit union filed them with NCUA; confirm before you visit. Not affiliated with NCUA or any credit union.
Other cities in New York
- Rochester 16
- New York 33
- Amherst 31
- Albany 9
- Buffalo 21
- Syracuse 14
- Brooklyn 15
- Schenectady 5
- Binghamton 5
- Cheektowaga 11
- Ithaca 4
- Utica 8
- Plattsburgh 6
- Troy 5
- Niagara Falls 7
- Oswego 4
Every New York city · All New York credit unions
Questions people ask
How many credit unions are in Watertown, NY?
NCUA's branch file for Q2 2026 lists 8 credit union offices in Watertown, run by 5 credit unions, 3 of them headquartered in the city.
Which credit union has the most branches in Watertown?
Northern Federal Credit Union, with 3 offices in Watertown. The largest credit union with an office here is Americu Credit Union, with $3.03 billion in assets.
Can I join a credit union in Watertown?
Each credit union serves a defined field of membership, often people who live or work in an area, employees of certain companies, or members of an association. Check the credit union's own eligibility rules. Some credit unions are open to anyone in the US through an association or a small donation.