First Northern Credit Union - Rates
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Rates

Loans

New Vehicle Loans
(For Driving Sense and Auto Equity Programs, please contact a Financial Services Advisor)
Up to 29 months 1.99% APR*
30 - 41 months 2.49% APR*
42 - 53 months 2.79% APR*
54 - 65 months 2.99% APR*
66 - 72 months 3.99% APR*
Used Vehicle Loans (2006 models or newer)
(For
Driving Sense and Auto Equity Programs, please contact a Financial Services Advisor)
Up to 60 months 2.99% APR*
63 - 66 months 3.49% APR*
Used Vehicle Loans (Pre-2006 / $10,000.00+)
(For
Driving Sense and Auto Equity Programs, please contact a Financial Services Advisor)
Up to 60 months 5.99% APR*
Motorcycle Loans $10,000 and up
New 4.99% APR*
Used 5.25% APR*
Motorcycle Loans under $10,000
New 5.25% APR*
Used 6.99% APR*
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender's credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates subject to change. Financing terms are up to 72 months, but may be less based on several factors including, but not limited to, your credit standing, the vehicle's value, the loan amount, the term remaining on your existing loan, and the mileage and/or age of the vehicle. Repayment example: 3.99% APR for 66 months is $16.91 per $1,000 borrowed.



Fixed-Rate VISA Credit Cards
Platinum Rate 8.99% APR*
Platinum Premier 10.25% APR*
Classic 12.25% APR*
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. No annual fee.



First Mortgage Loans
Please call 1-888-328-8677 for today’s rates.



Home Equity Loans
(Borrow up to 85% of your home's equity)
  5-year fixed 3.49% APR*
10-year fixed 4.99% APR*
15-year fixed 5.49% APR*
Home Access Loans
(Borrow up to 100% of your home's equity)
7-year fixed 8.49% APR*
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only. Fixed rate repayment example: 5.49% APR for 120 months is $10.85 per $1,000 borrowed.



Home Equity Line Of Credit
(Borrow up to 85% of your home's equity)
Line of Credit 4.00%** APR*
Home Access Line Of Credit
(Borrow up to 100% of your home's equity)
Line of Credit (variable) 7.00%** APR*
*APR = Annual Percentage Rate. Home Access Line of Credit carries a variable rate, loans are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The rate is set and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal plus a margin of -.50% for Home Equity Loan and 2.00% for Home Access Loan. Your margin may vary based on your credit qualifications. As of 10/2/12 the Prime Rate was 3.25% APR. **These reflect product floor rates and are higher than the index plus margin.



Share Secured
Up to 24 months 3.99% APR*
Up to 36 months 4.49% APR*
Up to 48 months 4.99% APR*
Up to 60 months 5.29% APR*
Stock Secured
Up to 24 months 6.79% APR*
Up to 36 months 6.99% APR*
Up to 60 months 7.99% APR*
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment examples: Share Secured is 4.49% APR for 36 months is $29.75 per $1,000 borrowed and Stock Secured is 6.99% APR for 36 months is $30.88 per $1,000 borrowed.



Signature Loans
Signature 9.99% APR*
*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change. Repayment example: 9.99% APR for 36 months is $32.26 per $1,000 borrowed.


Deposits

Checking Accounts
Preferred Checking 0.10% APY
Advantage Checking 1.50% APY on average daily balances of $7,500 or less
0.01% APY on portions over $7,500
Share Savings, Holiday and Vacation Clubs,
Moola Moose Club & Compass Club
$25,000 and above 0.15% APY
$2,500 - $24,999.99 0.10% APY
$5 - $2,499.99 0.10% APY
Money Market - Market Yield
$100,000 and above 0.30% APY
$50,000-$99,999.99 0.25% APY
$25,000-$49,999.99 0.15% APY
$0-24,999.99 0.05% APY
Money Market - Market Demand
$25,000 and above 0.15% APY
$2,500-$24,999.99 0.10% APY
$0-2,499.99 0.05% APY
Share Certificates $50,000 and up
  6 months 0.20% APY
12 months 0.25% APY
18 months 0.30% APY
24 months 0.40% APY
36 months 0.50% APY
60 months 0.90% APY
Share Certificates $2,500 - $24,999.99
  6 months 0.10% APY
12 months 0.15% APY
18 months 0.20% APY
24 months 0.30% APY
36 months 0.40% APY
60 months 0.80% APY
Share Certificates $25,000 - $49,999.99
  6 months 0.15% APY
12 months 0.20% APY
18 months 0.25% APY
24 months 0.35% APY
36 months 0.45% APY
60 months 0.85% APY
Coverdell Education Saving
Account Certificates
  6 months 1.10% APY
12 months 1.15% APY
18 months 1.20% APY
24 months 1.30% APY
36 months 1.40% APY
60 months 1.80% APY

APY = Annual Percentage Yield

Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY.

Yields for all share savings accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 12/31/2012.

Yields for other deposit products are declared and paid monthly.

Fees may reduce earnings.

For CDs, a penalty may be imposed for withdrawals before maturity.

Federally insured by NCUA.

Your savings are federally insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government, for up to $250,000 per member – with a separate coverage of $250,000 for Individual Retirement Accounts.

This page was last revised: 2/13/13


      Equal Housing Lender