• You live or work in the following counties in Illinois:
  Winnebago, Lee, Boone, Ogle, McHenry, Dekalb, DuPage, Kane, Will, Grundy, Kendall County, or persons who live, work, worship or attend school in, and businesses and other legal entities located in Stephenson County, IL.
• You live or work in the City of Evanston
• You are a Northwestern University Student, Alumni or Employee
• You are a tenants or an employee of tenants at the 230 W. Monroe building (under the management of Douglas Elliman-Beitler Management Corporation)
• You are a tenants or an employee of tenants at the 541 N. Fairbanks Court, Chicago, IL building (under the management of Golub Realty Services, LLC)
• You are related to a current member of First Northern Credit Union

You work for one of the following organizations (Select Employee Groups):

• Exelon Corporation and subsidiaries of Exelon Corporation
• First Northern Credit Union
• Douglass Elliman-Beitler, Inc.
• EmPower White Collar, Inc.
• Johnson Controls, Inc. on the ComEd Alliance Project
• Inland Steel Company
• IAODAPCCA, Inc. (Illinios Alcohol and Other Drug Abuse Professional Certification Association, Inc.)
• Edison Mission Energy (Corporate offices Midwest Generation EME, LLC and Midwest Generation, LLC located in Chicago, IL)
• Professional National Title Network, Inc.
• Seven Worldwide, Inc.
• Coalition of Illinois Counselor Organizations, Northbrook, IL
• Northwestern Hospital
• Rockford Powertrain Corp.
• Retirees of Rockford Drilling Machine and Borg Warner
• Ex-Cell-O Companies, located in the Rockford Area
• F.D. Wests Insurance Agency, Inc.
• Baltic Lodge No. 56, I.O.V.
• Supreme Machine Products, Inc.
• Rockford Vending Corp.
• Pierce Packaging Co.
• Used But Nice Office Furniture
• Greenlee Credit Union
• Broadway Sunoco
• Dixon Automatic Tool, Inc.
• Ability Tool Company
• UDL Laboratories, Inc.
• The Bergren Gallery
• West Ben Mutual Insurance Company
• Wilson Tool Corporation
• Farmer Rug Cleaners
• Compak
• Youngberg Industries, Inc.
• Professional Graphics, Inc.
• Sandray Precision Grinding, Inc.
• All Contractors Equipment, Inc.
• Rockford Map Publishers, Rockford, IL
• Rockford Alarmco, Rockford, IL
• Par Engineering Co., Rockford, IL
• Rehnberg Jacobson Manufacturing, Rockford, IL
• Zion Development Corporation, Rockford, IL
• BOKO USA Inc., Rockford, IL
• Rockford Township, Rockford, IL
• Rockford Spring Company, Rockford, IL
• Brunson, Inc., Rockford, IL
• The Office Connection, Rockford, IL
• Rockford Presort, Rockford, IL
• Monona Tire Company, Inc., Rockford, IL
• Loren D. Johnson Engineering Service, Rockford, IL
• Century 21, Golden Key, Realtors, Rockford, IL
• Forest City Machine Works, Rockford, IL
• Litton Assembly & Test Operation, 2140 12th Street, Rockford, IL
• Ultra Stamping and Assembly, Inc., Rockford, IL
• Fastener Training and Technology Center, Rockford, IL
• Fraternal Order of Eagles #4
• Createch, Inc., Rockford, IL
• Fitzgerald Building Maintenance, Inc., Rockford, IL
• Valhall Lodge No. 168 Sons of Norway, Rockford, IL
• Sheets Signs, Rockford, IL
• Dynacorp-Emberson Power Transmission Corporation, Rockford, IL
• Gymteck Incorporated, Rockford, IL
• Die-Namic Tool and Mfg., Inc.
• Camcar Textron, Rockford, IL
• Kelce and Company, Cherry Valley, Rockford, IL
• Big Joe the Plumber, Inc., Rockford, IL
• Ready, Set, Learn Daycare & Preschool, Rockford, IL
• IMTA Manufacturing Technology & Automation Company, Inc., Rockford, IL
• Joseph Behr & Company
• The former Northwestern University Employees’ Credit Union
• Seabury-Western Theological Seminary
• Garrett Evangelical Seminary
• Evanston Postal Office
• The Strive Group, Chicago, IL
• Guardsmark, LLC, Oak Brook, IL
• The former 1st North West Federal Credit Union

Any member of:

• IAODAPCA, Inc.
• Coalition of Illinois Counselor Organizations, Northbrook, IL
• Rockford Apartment Association
• Rockford Lithuanian Club
• Elvira Lodge #552 Vasa Order of America
• Ellida Lodge No. 25, I.O.V.
• Rockford CIE & G Co. EFCU
• NICOR
• The former Boone County FCU
• The former Off Highway Employees Credit Union
• The former 1st North West Federal Credit Union

What's the minimum that I have to pay to open a savings account?
There is no cost to join the credit union. However, we require you to keep at least $5.00 in your savings account at all times. Then, you're free to apply for all of our other products and services.

If I want to set up direct deposit, I need an ABA #. How does that work?
It's easy. Simply give the First Northern Credit Union routing number (271078719) to your payroll department along with your First Northern account number and you're ready to enjoy the convenience of direct deposit.

How can I consolidate my debt with First Northern Credit Union?
Your best bet is to speak with a Financial Service Advisor to see where we can best help. We offer an array of products, from unsecured signature loans to home equity loans and more. In fact, you can apply in one of four convenient ways:

• In person at one of our branches
• By phone (888) 328-8677, press Option 2
• On-line: click here to apply for a loan
• By Fax (312) 853-0588

Why doesn't First Northern offer ATM cards?
Because the First Northern Visa Check Card (debit card) is even easier and more convenient to use. You can get cash back and/or buy goods and services at convenient stores, gas stations, grocery stores and anywhere else cash, credit cards or checks are welcome.

How can I check my Visa balance during the middle of the billing cycle?
You can check your Visa balance one of two ways:

• Call (800) 322-VISA and be prepared to provide your 16-digit credit card number and 5-digit zip code.
• Log on to Online Banking and click the "Visa" button on the left menu under "My Accounts"
  

How do I need to notify First Northern Credit Union that I'm changing my address?
To help us serve you better, please send Member Relations the following information:

1. Your name
2. Account number
3. New address & phone number
4. Your signature

You can send this information to us in one of three convenient ways:

• Fax us at: (312) 332-3177
• Mail us at: First Northern Credit Union
  230 W. Monroe St. Suite 2850, Chicago, IL 60606-4902
• Stop by one of our branches.

By keeping us informed, you will avoid the $3.00 fee for returned account statements.

How does interest accrue on loans? How does simple interest work?
Simple interest saves you money. It is calculated on the unpaid balance each day. If you pay off your loan early, you're only responsible for the interest that accrues until the date you pay off your loan. There is no early loan payment penalty.

If I have a credit union loan and I want to arrange a payment program, what are my options?
You can select any of the following payment methods at your convenience:

• Payroll deduction (biweekly, semimonthly or monthly)
• Monthly transfer from your Share Savings or Checking account
• Mail in your payment each month

What is First Northern's routing number?
Our routing number is 271078719.

How do I wire funds to my First Northern Credit Union account?
You need to let your financial institution know that funds are wired to Alloya Corporate Federal Credit Union for further credit to First Northern Credit Union. The information is as follows:
Alloya Corporate Federal Credit Union
Naperville, IL
ABA# 271987635
Further Credit To: First Northern Credit Union
Routing# 271078719
Final Credit To: Member Name, Member Account Number (i.e., your name and your First Northern account number.) Please also specify S1 for share savings account or S75 for checking account.

Is there a limit to how many transactions I can perform each month? What about fees for going over the limit?
Click here for more information on Service Charges.

If I need help after regular business hours because my VISA card is lost or stolen, who should I contact?
You can contact First Northern Credit Union by phone at (888) 328-8677 Monday through Friday. If you are calling after our phone hours, you will contact the VISA toll-free customer service line at (800) 322-8472. You can report a lost or stolen card through this phone number as well as receive update on the last five transactions made by the card in question.