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Advertiser Disclosure
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 First Northern Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 26, 2026
First Northern Credit Union's 15 month CDs rates are at 3.60%, CD Special Offer 15 month rates are at 3.60%, CDs 60 month rates are at 3.50%, Traditional & Roth IRA CDs 60 month rates are at 3.50%, 30 month CDs rates are at 3.25%. First Northern Credit Union's savings rates are at 0.10%. First Northern Credit Union's money market rates are at 0.05%. First Northern Credit Union's Personal Loan Rates are at 4.59%. MonitorBankRates evaluates the financial stability of First Northern Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.76%. Rates were last updated on 03/26/2026. First Northern Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Northern Credit Union? Share your experience about First Northern Credit Union by leaving a review below, or read customer reviews before you decide to use First Northern Credit Union. 
First Northern Credit Union CD Rates
First Northern Credit Union Savings Rates
First Northern Credit Union Money Market Rates
First Northern Credit Union Checking Rates
First Northern Credit Union Mortgage Rates
First Northern Credit Union Home Equity & HELOC
First Northern Credit Union Auto Loan Rates
First Northern Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for First Northern Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather First Northern Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with First Northern Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
First Northern Credit Union
Website
https://www.fncu.org
Address
230 W Monroe St,
Chicago, IL 60606
Phone
312-332-6357
Fax
312-332-0166
President
Richard OToole
CEO
Alex Malone
Full-Time Employees
72
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.76%
Return on Assets (ROA)
0.4809%
Return on Equity (ROE)
4.5892%
Non-Performing Loans Ratio (NPL)
0.88%
Total Assets
322,432,773
Total Amount of Shares and Deposits
283,794,674
Total Shares and Deposits < 1 Year
278,785,415
Total Shares and Deposits 1 3 Years
4,583,652
Total Shares and Deposits > 3 Years
425,607
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,759,534
Total Uninsured Shares and Deposits > $250K (F+J)
11,759,534
Total Insured Shares and Deposits > $250K (item 17 less item K)
272,035,140
Total Interest Expense (Sum of items 6 8)
1,294,389
Share Certificates
556
Number of Accounts for Share Drafts
9,100
IRA KEOGH Accounts
365
Number of Accounts for Regular Shares
23,202
All other shares
1,063
Money Market Shares
395
Net Income (unless the amount is already included in Undivided Earnings)
1,550,483
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
18,887,876
Total Liabilities
289,677,267
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About First Northern Credit UnionIs First Northern Credit Union a safe place to deposit money?Yes, First Northern Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7646385720294%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does First Northern Credit Union operate?First Northern Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join First Northern Credit Union?Yes, to access services at First Northern Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, First Northern Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, First Northern Credit Union provides members with tools to manage their accounts and build a solid financial history. Does First Northern Credit Union offer online and mobile banking?Most modern institutions like First Northern Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fncu.org. Current First Northern Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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