First Northern Credit Union Rates and Review February 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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First Northern Credit Union's 15 month CD rates are at 3.60%, CD 15 month rates are at 3.60%, CD 15 month rates are at 3.60%, CDs 15 month rates are at 3.60%, 60 month CD rates are at 3.50%. 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 Home Access Lines of Credit Line of Credit (variable) rates are at 8.75%, Home Access Lines of Credit Line of Credit (variable) rates are at 12.75%. First Northern Credit Union's Personal Loan Rates are at 4.59%.
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 by leaving a review below, or read customer reviews before you decide to use . First Northern Credit Union Texas RatioFirst Northern Credit Union's Texas Ratio is at 5.76%, which is considered excellent. The Texas Ratio for First Northern Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that First Northern Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First Northern Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First Northern Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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 & OverviewCredit Union Name: First Northern Credit Union
Website: https://www.fncu.org
Full Time Employees: 72Part Time Employees: 0 President: Richard OToole CEO: Alex Malone Branch Locations: 4 ATM Locations: 3 Corporate Office Address:
230 W Monroe St
Chicago, IL 60606 Phone Number: 312-332-6357 Fax Number: 312-332-0166 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About First Northern Credit UnionIs a member application needed to join First Northern Credit Union?Yes, to access services at First Northern Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, First Northern Credit Union provides a range of mortgage and home equity products. Is First Northern Credit Union a safe place to deposit money?Yes, First Northern Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does First Northern Credit Union offer online and mobile banking?Most modern institutions like First Northern Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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