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Rates
Loans – APR As Low As:*
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Home Equity Loans
(Borrow up to 85% of your home's equity) |
| Line of Credit (variable) |
Prime** -.50% APR |
| 5-year fixed |
5.99% APR |
| 10-year fixed |
6.49% APR |
| 15-year fixed |
7.29% APR |
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Home Access Loans
(Borrow up to 100% of your home's equity) |
| Line of Credit (variable) |
Prime** +2.00% APR |
| 7-year fixed |
7.00% APR |
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| Fixed-Rate VISA Credit Cards |
| Platinum Rate |
8.99% APR |
| Platinum Premier |
10.25% APR |
| Classic |
12.25% APR |
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| Signature Loans |
| Signature |
13.99% APR |
*Subject to credit approval. Rates are subject to Lender's
credit criteria, certain conditions, and restrictions. Your rate
and corresponding Annual Percentage Rate (APR) may be
higher than the published rate. Rates are subject to change
at any time without notice. |
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| New Vehicle Loans |
| 24 months |
4.99% APR |
| 36 months |
4.99% APR |
| 48 months |
5.24% APR |
| 60 months |
5.24% APR |
| 72 months |
6.24% APR |
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| Used Vehicle Loans (2002 models or newer) |
| Up to 60 months |
5.49% APR |
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| Used Vehicle Loans (Pre-2002 / $10,000.00+) |
| Up to 60 months |
7.49% APR |
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| Motorcycle Loans $10,000 and up |
| New |
6.99% APR |
| Used |
7.79% APR |
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| Motorcycle Loans under $10,000 |
| New |
7.79% APR |
| Used |
9.49% APR |
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Loans
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| First Mortgage Loans |
| 15 year |
6.000% RATE
6.052% APR |
| 20 year |
6.375% RATE
6.417% APR |
| 30 year |
6.500% RATE
6.532% APR |
APR = Annual Percentage Rate
First mortgage rates fluctuate often and are subject to change without notice. The floor rates listed above are based on qualification for FNCU’s portfolio loan programs. Other programs, terms, and rates may be offered based on your credit qualification and borrowing requirements. First mortgage loans are available in Illinois only. FNCU is an equal housing lender.
Repayment Example: 6.33% APR for 180 months is $8.63 per $1,000 borrowed.
APR assumes loan amount of $175,000, 0 points, 80% LTV. Your actual APR may be different based on your actual loan amount, location, and date closed.
Please call our Mortgage Department for additional programs and terms. 815- 332-9898 ext 505 |
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| Share Secured |
| Up to 24 months |
4.99% APR |
| Up to 36 months |
5.49% APR |
| Up to 48 months |
5.99% APR |
| Up to 60 months |
6.29% APR |
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| Stock Secured |
| Up to 24 months |
6.79% APR |
| Up to 36 months |
6.99% APR |
| Up to 60 months |
7.99% APR |
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**The Prime Rate is the Prime Lending Rate as published in The Wall Street Journal. As of 3/19/08, the Prime Rate was 5.00% APR. The annual percentage rate on this loan cannot exceed 18%. Offer valid on Illinois residences only, and does not apply to paying off existing First Northern Credit Union loans. Rates subject to change. Fixed-rate repayment example: 5.99% APR for 60 months is $19.34 per $1,000 borrowed. As always, consult your tax advisor concerning interest deductibility. Some restrictions apply. See your Financial Service Advisor for details.
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Deposits
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| Checking Accounts |
| Preferred Checking |
1.00% APY |
| Advantage Checking |
5.05% APY on average daily balances of $7,500 or less |
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1.25% APY on portions over $7,500 |
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| Money Market - Market Yield |
| $100,000 and above |
3.50% APY |
| $50,000-$99,999.99 |
3.25% APY |
| $25,000-$49,999.99 |
2.75% APY |
| $0-24,999.99 |
0.50% APY |
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| Money Market - Market Demand |
| $25,000 and above |
2.25% APY |
| $2,500-$24,999.99 |
1.75% APY |
| $0-2,499.99 |
0.50% APY |
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Share Savings, Holiday and Vacation Clubs,
Moola Moose Club & Compass Club |
| $25,000 and above |
1.76% APY |
| $2,500 - $24,999.99 |
1.26% APY |
| $5 - $2,499.99 |
1.00% APY |
APY = Annual Percentage Yield
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 03/31/08.
Yields for other deposit products are declared and paid monthly.
Federally insured by NCUA. |
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| Share Certificates $50,000 and up |
| 6 months |
3.00% APY |
| 12 months |
3.25% APY |
| 18 months |
3.40% APY |
| 24 months |
3.60% APY |
| 36 months |
3.80% APY |
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| Share Certificates $25,000 - $49,999.99 |
| 6 months |
2.80% APY |
| 12 months |
3.05% APY |
| 18 months |
3.20% APY |
| 24 months |
3.40% APY |
| 36 months |
3.60% APY |
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| Share Certificates $2,500 - $24,999.99 |
| 6 months |
2.70% APY |
| 12 months |
2.95% APY |
| 18 months |
3.10% APY |
| 24 months |
3.30% APY |
| 36 months |
3.50% APY |
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Coverdell Education Saving
Account Certificates |
| 6 months |
3.70% APY |
| 12 months |
3.95% APY |
| 18 months |
4.10% APY |
| 24 months |
4.30% APY |
| 36 months |
4.50% APY |
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Your savings are federally insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government, for up to $100,000 per member – with a separate coverage of $250,000 for Individual Retirement Accounts. First Northern also provides additional private share insurance of $250,000 through Excess Share Insurance. |
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This page was last revised: 7/3/08
APY = Annual Percentage Yield
APR = Annual Percentage Rate
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