--- title: "First Northern Credit Union Rates - Illinois" description: "Current personal loan, and credit card rates from First Northern Credit Union in Illinois. Updated daily with source verification. See who can join First Northern Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/first-northern" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # First Northern Credit Union Rates - Illinois ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Up to 29-Month Share-Secured Loan** personal_secured_29mo | — APR | 3.490% | 29 mo | Standard | | **Share-Secured Loans (30 - 41 months)** personal_secured_41mo | — APR | 3.990% | 41 mo | Standard | | **Share-Secured Loans (42 - 53 months)** personal_secured_53mo | — APR | 4.190% | 53 mo | Standard | | **Share-Secured Loans (54 - 60 months)** personal_secured_60mo | — APR | 4.490% | 60 mo | Standard | | **Line of Credit (variable)** ploc_variable | — APR | 6.500% | — | Standard | First Northern Credit Union personal loan rates as of October 23, 2026 ### Credit card rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 14.990% | — | Standard | | **Credit Card** credit_card | — APR | 14.990% | — | Standard | | **Visa Platinum Premier** credit_card_platinum | — APR | 16.250% | — | Standard | | **Visa Classic** credit_card | — APR | 18.250% | — | Standard | First Northern Credit Union credit card rates as of October 23, 2026 First Northern Credit Union is a credit union in Illinois. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/first-northern) , verified from [First Northern Credit Union's official website](https://www.fncu.org/) Loading branch locator… ## 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Chicago Area Office** Disaster Recovery · Chicago · IL · 60606-7218 About 0.2 miles away](https://rateapi.dev/credit-unions/illinois/chicago-area-office) [**Actors** Chicago Branch Office · Chicago · IL · 60661 About 0.3 miles away](https://rateapi.dev/credit-unions/new-york/actors) [**Credit Union 1** Dearborn · Chicago · IL · 60604-1592 About 0.4 miles away](https://rateapi.dev/credit-unions/illinois/credit-union-1) [**American Broadcast Employees** 190 N State St · Chicago · IL · 60601 About 0.6 miles away](https://rateapi.dev/credit-unions/new-york/american-broadcast-employees) [**Verve, A Credit Union** Fulton · Chicago · IL · 60607 About 0.9 miles away](https://rateapi.dev/credit-unions/wisconsin/verve-a-credit-union) [**Planites** PLANITES CREDIT UNION · Chicago · IL · 60601-5014 About 0.9 miles away](https://rateapi.dev/credit-unions/illinois/planites) 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](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on First Northern Credit Union's website. Check the membership page below to confirm whether you qualify. - Location boone, dekalb, dupage, grundy, kane, kendall, lake, lee, mchenry, ogle, stephenson, will, winnebago — IL - Employer Exelon Corporation and its subsidiaries including Commonwealth Edison Company, Constellation Energy Corp. and its subsidiaries, Northwestern Memorial HealthCare and its subsidiaries, Northwestern University (alumni and students also welcome) - School Northwestern University Verified from [First Northern Credit Union's membership page](https://www.fncu.org/About/Membership) . Final membership determination is always made by the credit union. ## Membership rules for First Northern Credit Union Geography 13 counties · Employers 4 · Schools 2 · Family 2 34 published paths to membership, last verified August 27, 2026, quoted from First Northern Credit Union’s own published criteria. ### Geography 13 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Boone County, IL - Dekalb County, IL - Dupage County, IL - Grundy County, IL - Kane County, IL - Kendall County, IL - Lake County, IL - Lee County, IL - Mchenry County, IL - Ogle County, IL - Stephenson County, IL - Will County, IL - Winnebago County, IL “Live or work in the following counties in Illinois: Boone, Cook (North of I-55), DeKalb, DuPage, Grundy, Kane, Kendall, Lake, Lee, McHenry, Ogle, Stephenson, Will, Winnebago” > [source ↗](https://www.fncu.org/About/Membership) ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of Exelon Corporation and its subsidiaries including Commonwealth Edison Company “Are employees of: Exelon Corporation and its subsidiaries including Commonwealth Edison Company” > [source ↗](https://www.fncu.org/About/Membership) - Employee of Exelon Corporation and its subsidiaries including Commonwealth Edison Company - Employee of Constellation Energy Corp. and its subsidiaries “Constellation Energy Corp. and its subsidiaries” > [source ↗](https://www.fncu.org/About/Membership) - Employee of Constellation Energy Corp. and its subsidiaries - Employee of Northwestern Memorial HealthCare and its subsidiaries “Northwestern Memorial HealthCare and its subsidiaries” > [source ↗](https://www.fncu.org/About/Membership) - Employee of Northwestern Memorial HealthCare and its subsidiaries - Employee of Northwestern University “Northwestern University (alumni and students also welcome)” > [source ↗](https://www.fncu.org/About/Membership) - Employee of Northwestern University ### Schools 2 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Northwestern University (as written on the source page) “Northwestern University (alumni and students also welcome)” > [source ↗](https://www.fncu.org/About/Membership) - Student at Northwestern University - Alumni of Northwestern University (as written on the source page) “Northwestern University (alumni and students also welcome)” > [source ↗](https://www.fncu.org/About/Membership) - Alumnus of Northwestern University ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member “Are related to a current member of First Northern Credit Union” > [source ↗](https://www.fncu.org/About/Membership) - Family member of a member - Family of a member relative “Are related to a current member of First Northern Credit Union” > [source ↗](https://www.fncu.org/About/Membership) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for First Northern Credit Union? Yes No ## Work at First Northern Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where First Northern Credit Union ranks against Illinois peers. - See which AI assistants fetched First Northern Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=first-northern&state=illinois&code=IL&name=First%20Northern%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does First Northern Credit Union offer? First Northern Credit Union currently offers personal loan, and credit card rates. The rates shown on this page were last verified October 23, 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 October 23, 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. ### Who can join First Northern Credit Union? First Northern Credit Union publishes its membership criteria on its own website. RateAPI tracks 34 published membership paths covering 13 counties, 4 employers and 2 schools for First Northern Credit Union, each quoted from First Northern Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare First Northern Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois personal loan leaders](https://rateapi.dev/personal-loan-rates/illinois) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.fncu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track First Northern Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for First Northern Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /first-northern " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## First Northern Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/first-northern Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp