First Northern Credit Union
Verified rate book
Current First Northern Credit Union rates
93 published offers verified as of August 4, 2026.
Mortgage rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 15-Year Fixed15 year fixed | 7.290% APR | 7.290% | — | Standard |
| 10-Year Fixed10 year fixed | 6.990% APR | 6.990% | — | Standard |
| Home Access Loans (up to 100% appraised value**) (7-Year Fixed)other | 8.680% APR | 8.680% | — | Standard |
| 7-Year Fixedother | 8.680% APR | 8.680% | — | Standard |
Auto & vehicle rates
43 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 29-Month New Auto Loan, Refinanceauto_new_29mo | 4.590% APR | 4.590% | 29 mo · new | Standard |
| Auto Loan, Refinanceauto | 4.590% APR | 4.590% | — | Standard |
| New Auto Loan Refinancing (30 - 41 months)auto_new_41mo | 4.790% APR | 4.790% | 41 mo · new | Standard |
| Driving Sense : New Vehicles (Purchase or Refinance) (Up to 29 months)auto_new_29mo | 4.840% APR | 4.840% | 29 mo · new | Standard |
| Auto Loanauto | 4.840% APR | 4.840% | — | Standard |
| Up to 29-Month New Auto Loanauto_new_29mo | 4.840% APR | 4.840% | 29 mo · new | Standard |
| New Member 1 Auto Loan Refinancing (Up to 60 months)auto_new_60mo | 4.990% APR | 4.990% | 60 mo · new | Standard |
| New Auto Loans (30 - 41 months)auto_new_41mo | 5.040% APR | 5.040% | 41 mo · new | Standard |
| Driving Sense : New Vehicles (Purchase or Refinance) (30 - 41 months)auto_new_41mo | 5.040% APR | 5.040% | 41 mo · new | Standard |
| Boat & RV Loans (Up to 29 months)boat_any_29mo | 5.040% APR | 5.040% | 29 mo | Standard |
| New Auto Loan Refinancing (42 -53 months)auto_new_53mo | 5.090% APR | 5.090% | 53 mo · new | Standard |
| Pre-Owned Auto Loan Refinancing (Up to 62 months)auto_used_62mo | 5.290% APR | 5.290% | 62 mo · used | Standard |
| New Auto Loan Refinancing (54 - 65 months)auto_new_65mo | 5.290% APR | 5.290% | 65 mo · new | Standard |
| New Member 1 Auto Loan Refinancing (61-66 months)auto_new_66mo | 5.290% APR | 5.290% | 66 mo · new | Standard |
| Driving Sense : New Vehicles (Purchase or Refinance) (42 - 53 months)auto_new_53mo | 5.340% APR | 5.340% | 53 mo · new | Standard |
| New Auto Loans (42 - 53 months)auto_new_53mo | 5.340% APR | 5.340% | 53 mo · new | Standard |
| New Auto Loans (54 - 65 months)auto_new_65mo | 5.540% APR | 5.540% | 65 mo · new | Standard |
| Boat & RV Loans (30 - 41 months)boat_any_41mo | 5.540% APR | 5.540% | 41 mo | Standard |
| Driving Sense: Pre-Owned Vehicles (Purchase or Refinance) (5 model years or newer) (Up to 62 months)auto_used_62mo | 5.540% APR | 5.540% | 62 mo · used | Standard |
| Pre-Owned Auto Loans (7 model years or newer) (Up to 62 months)auto_used_62mo | 5.540% APR | 5.540% | 62 mo · used | Standard |
| Driving Sense : New Vehicles (Purchase or Refinance) (54 - 65 months)auto_new_65mo | 5.540% APR | 5.540% | 65 mo · new | Standard |
| Pre-Owned Auto Loan Refinancing (66 months)auto_used_66mo | 5.590% APR | 5.590% | 66 mo · used | Standard |
| Pre-Owned Auto Loan Refinancing (63 - 65 months)auto_used_65mo | 5.590% APR | 5.590% | 65 mo · used | Standard |
| New Auto Loan Refinancing (66 - 72 months)auto_new_72mo | 5.790% APR | 5.790% | 72 mo · new | Standard |
| Pre-Owned Auto Loan Refinancing (67 - 72 months)auto_used_72mo | 5.790% APR | 5.790% | 72 mo · used | Standard |
| Driving Sense: Pre-Owned Vehicles (Purchase or Refinance) (5 model years or newer) (63 - 66 months)auto_used_66mo | 5.840% APR | 5.840% | 66 mo · used | Standard |
| Pre-Owned Auto Loans (7 model years or newer) (63 - 66 months)auto_used_66mo | 5.840% APR | 5.840% | 66 mo · used | Standard |
| Boat & RV Loans (42 - 53 months)boat_any_53mo | 5.840% APR | 5.840% | 53 mo | Standard |
| New Auto Loans (66 - 72 months 1)auto_new_72mo | 6.040% APR | 6.040% | 72 mo · new | Standard |
| Boat & RV Loans (Up to 62 months)boat_any_62mo | 6.040% APR | 6.040% | 62 mo | Standard |
| Driving Sense: Pre-Owned Vehicles (Purchase or Refinance) (5 model years or newer) (67 - 72 months 2)auto_used_72mo | 6.040% APR | 6.040% | 72 mo · used | Standard |
| Pre-Owned Auto Loans (7 model years or newer) (67 - 72 months 1)auto_used_72mo | 6.040% APR | 6.040% | 72 mo · used | Standard |
| 66 - 72 Months 1auto_any_72mo | 6.040% APR | 6.040% | 72 mo | Standard |
| Boat & RV Loans (54 - 65 months)boat_any_65mo | 6.040% APR | 6.040% | 65 mo | Standard |
| Driving Sense : New Vehicles (Purchase or Refinance) (66 - 72 months 1)auto_new_72mo | 6.040% APR | 6.040% | 72 mo · new | Standard |
| 73 - 84 Months 3auto_any_84mo | 6.540% APR | 6.540% | 84 mo | Standard |
| Pre-Owned Auto Loans (7 model years or newer) (73 - 84 months 3)auto_used_84mo | 6.540% APR | 6.540% | 84 mo · used | Standard |
| Boat & RV Loans (63 - 66 months)boat_any_66mo | 6.540% APR | 6.540% | 66 mo | Standard |
| New Auto Loans (73 - 84 months 2)auto_new_84mo | 6.540% APR | 6.540% | 84 mo · new | Standard |
| Boat & RV Loans (67 - 72 months 1)boat_any_72mo | 6.740% APR | 6.740% | 72 mo | Standard |
| Boat & RV Loans (Up to 66 months 5)boat_any_66mo | 7.540% APR | 7.540% | 66 mo | Standard |
| Boat & RV Loans (73 - 84 months 2)boat_any_84mo | 7.740% APR | 7.740% | 84 mo | Standard |
| Boat & RV Loans (85 - 120 months 3)boat_any_120mo | 8.040% APR | 8.040% | 120 mo | Standard |
HELOC rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Home Equity Loan (Fixed)heloc_fixed | 4.590% APR | 4.590% | — | Standard |
| Home Equity Lines of Credit (up to 85% appraised value**) (Line of Credit (variable))heloc_variable | 6.250% APR | 6.250% | — | Standard |
| Home Equity Loans (up to 85% appraised value**) (5-Year Fixed)heloc_fixed | 6.490% APR | 6.490% | — | Standard |
| Home Equity Loans (up to 85% appraised value**) (10-Year Fixed)heloc_fixed | 6.990% APR | 6.990% | — | Standard |
| Home Equity Loans (up to 85% appraised value**) (15-Year Fixed)heloc_fixed | 7.290% APR | 7.290% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Up to 29-Month Share-Secured Loanpersonal_secured_29mo | 3.490% APR | 3.490% | 29 mo | Standard |
| Share-Secured Loans (30 - 41 months)personal_secured_41mo | 3.990% APR | 3.990% | 41 mo | Standard |
| Share-Secured Loans (42 - 53 months)personal_secured_53mo | 4.190% APR | 4.190% | 53 mo | Standard |
| Share-Secured Loans (54 - 60 months)personal_secured_60mo | 4.490% APR | 4.490% | 60 mo | Standard |
| Line of Credit (variable)ploc_variable | 6.250% APR | 6.250% | — | Standard |
Credit card rates
4 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Credit Cardcredit_card_platinum | 14.990% APR | 14.990% | — | Standard |
| Credit Cardcredit_card | 14.990% APR | 14.990% | — | Standard |
| Visa Platinum Premiercredit_card_platinum | 16.250% APR | 16.250% | — | Standard |
| Visa Classiccredit_card | 18.250% APR | 18.250% | — | Standard |
Savings & CD rates
32 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Share Certificates $2,500 - $24,999.99 (6 months)share_certificate_6mo | 1.30% APY | 1.30% | 6 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (12 months)share_certificate_12mo | 1.45% APY | 1.45% | 12 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (18 months)share_certificate_18mo | 1.50% APY | 1.50% | 18 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (24 months)share_certificate_24mo | 1.50% APY | 1.50% | 24 mo | Standard |
| 6-Month Certificatecd_6mo | 1.60% APY | 1.60% | 6 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (6 months)share_certificate_6mo | 1.60% APY | 1.60% | 6 mo | Standard |
| Jumbo Share Certificates $50,000+ (6 months)share_certificate_6mo | 1.75% APY | 1.75% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 1.85% APY | 1.85% | 12 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (12 months)share_certificate_12mo | 1.85% APY | 1.85% | 12 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (18 months)share_certificate_18mo | 1.95% APY | 1.95% | 18 mo | Standard |
| 18-Month Certificatecd_18mo | 1.95% APY | 1.95% | 18 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (24 months)share_certificate_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| 24-Month Certificatecd_24mo | 2.00% APY | 2.00% | 24 mo | Standard |
| Jumbo Share Certificates $50,000+ (12 months)share_certificate_12mo | 2.00% APY | 2.00% | 12 mo | Standard |
| Jumbo Share Certificates $50,000+ (18 months)share_certificate_18mo | 2.10% APY | 2.10% | 18 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (36 months)share_certificate_36mo | 2.25% APY | 2.25% | 36 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (36 months)share_certificate_36mo | 2.50% APY | 2.50% | 36 mo | Standard |
| 36-Month Certificatecd_36mo | 2.50% APY | 2.50% | 36 mo | Standard |
| Jumbo Share Certificates $50,000+ (24 months)share_certificate_24mo | 2.50% APY | 2.50% | 24 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (60 months)share_certificate_60mo | 2.50% APY | 2.50% | 60 mo | Standard |
| 60-Month Certificatecd_60mo | 3.00% APY | 3.00% | 60 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (60 months)share_certificate_60mo | 3.00% APY | 3.00% | 60 mo | Standard |
| Jumbo Share Certificates $50,000+ (36 months)share_certificate_36mo | 3.00% APY | 3.00% | 36 mo | Standard |
| 30-Month Certificatecd_30mo | 3.25% APY | 3.25% | 30 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (30 months)share_certificate_30mo | 3.25% APY | 3.25% | 30 mo | Standard |
| Jumbo Share Certificates $50,000+ (30 months)share_certificate_30mo | 3.25% APY | 3.25% | 30 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (30 months)share_certificate_30mo | 3.25% APY | 3.25% | 30 mo | Standard |
| Jumbo Share Certificates $50,000+ (60 months)share_certificate_60mo | 3.50% APY | 3.50% | 60 mo | Standard |
| Jumbo Share Certificates $50,000+ (15 months)share_certificate_15mo | 3.60% APY | 3.60% | 15 mo | Standard |
| 15-Month Certificatecd_15mo | 3.60% APY | 3.60% | 15 mo | Standard |
| Share Certificates $25,000 - $49,999.99 (15 months)share_certificate_15mo | 3.60% APY | 3.60% | 15 mo | Standard |
| Share Certificates $2,500 - $24,999.99 (15 months)share_certificate_15mo | 3.60% APY | 3.60% | 15 mo | Standard |
As of August 4, 2026, First Northern Credit Union offers a 15-year fixed mortgage at 7.29% APR. Vehicle loans available from 4.59% APR for 29 months. HELOC rates from 4.59% APR. Personal loan rates from 3.49% APR. Credit card rates from 14.99% APR. Savings and certificate yields up to 3.60% APY.
Source: RateAPI.dev, verified from First Northern Credit Union's official website
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About First Northern Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 21.3K
- Assets
- $335M
- Founded
- 1944
- Locations reported
- 4
- NCUA charter
- 66359
- 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
- Financial counseling
- Financial education
- First-time homebuyer program
- Bilingual services
- Credit-builder products
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join First Northern Credit Union
Membership eligibility from First Northern Credit Union's own published criteria. How we verify this.
Membership via employers (Exelon +3 more)
- LocationBoone, Cook, DeKalb, DuPage, Grundy, Kane, Kendall, Lake, Lee, McHenry, Ogle, Stephenson, Will, Winnebago
- EmployerExelon, Commonwealth Edison, Northwestern Memorial Healthcare, Northwestern University
Cost to join: About $5.
Verified from First 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 First Northern Credit Union offer?
First Northern Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are First Northern Credit Union rates updated?
RateAPI verifies First 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 First Northern Credit Union's rate data?
Rate data is collected directly from First 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 is First Northern Credit Union's mortgage rate?
As of August 4, 2026, First Northern Credit Union offers a 15-year fixed mortgage at 7.29% APR.
What are First Northern Credit Union's auto & boat loan rates?
As of August 4, 2026, First Northern Credit Union offers vehicle loans from 4.59% APR.
What is First Northern Credit Union's HELOC rate?
As of August 4, 2026, First Northern Credit Union offers home equity lines of credit from 4.59% APR.
What is First Northern Credit Union's personal loan rate?
As of August 4, 2026, First Northern Credit Union offers personal loans from 3.49% APR.
What is First Northern Credit Union's best CD rate?
As of August 4, 2026, First Northern Credit Union offers savings and certificate (CD) yields up to 3.60% APY.
Related Rate Data
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Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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