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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 |
4.00% APR |
| 5-year fixed |
5.49% APR |
| 10-year fixed |
5.99% APR |
| 15-year fixed |
6.49% APR |
 |
Home Access Loans
(Borrow up to 100% of your home's equity) |
| Line of Credit (variable) |
7.00% APR |
| 7-year fixed |
8.49% APR |
|
| 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
(For Driving Sense Program, add 1% to each rate listed below; for Auto Equity Program, add .5% to each rate listed below) |
| 24 months |
4.99% APR |
| 36 months |
5.24% APR |
| 48 months |
5.34% APR |
| 60 months |
5.34% APR |
| 72 months |
6.24% APR |
|
Used Vehicle Loans (2004 models or newer)
(For Driving Sense Program, add 1% to each rate listed below; for Auto Equity Program, add .5% to each rate listed below) |
| Up to 60 months |
5.54% APR |
|
Used Vehicle Loans (Pre-2004 / $10,000.00+)
(For Driving Sense Program, add 1% to each rate listed below; for Auto Equity Program, add .5% to each rate listed below) |
| Up to 60 months |
7.49% APR |
|
| Motorcycle Loans $10,000 and up |
| New |
6.99% APR |
| Used |
7.79% APR |
|
| Motorcycle Loans under $10,000 |
| New |
7.79% APR |
| Used |
9.49% APR |
|
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Loans
|
| First Mortgage Loans |
| Please call for today's rates. |
|
|
| 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 |
|
| Stock Secured |
| Up to 24 months |
7.79% APR |
| Up to 36 months |
7.99% APR |
| Up to 60 months |
8.99% APR |
|
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| **The Prime Rate is the Prime Lending Rate as published in The Wall Street Journal. As of 01/22/10 the Prime Rate was 3.25% 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
|
| Checking Accounts |
| Preferred Checking |
.25% APY |
| Advantage Checking |
4.00% APY on average daily balances of $7,500 or less |
|
1.00% APY on portions over $7,500 |
|
| Money Market - Market Yield |
| $100,000 and above |
1.25% APY |
| $50,000-$99,999.99 |
1.00% APY |
| $25,000-$49,999.99 |
0.85% APY |
| $0-24,999.99 |
0.25% APY |
|
| Money Market - Market Demand |
| $25,000 and above |
0.75% APY |
| $2,500-$24,999.99 |
0.50% APY |
| $0-2,499.99 |
0.25% APY |
|
Share Savings, Holiday and Vacation Clubs,
Moola Moose Club & Compass Club |
| $25,000 and above |
0.50% APY |
| $2,500 - $24,999.99 |
0.35% APY |
| $5 - $2,499.99 |
0.25% APY |
APY = Annual Percentage Yield
*Rates subject to change
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 08/31/09.
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. |
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| Share Certificates $50,000 and up |
| 6 months |
1.25% APY |
| 12 months |
1.50% APY |
| 18 months |
1.60% APY |
| 24 months |
1.90% APY |
| 36 months |
2.10% APY |
| 60 months |
2.80% APY |
|
| Share Certificates $25,000 - $49,999.99 |
| 6 months |
1.15% APY |
| 12 months |
1.40% APY |
| 18 months |
1.50% APY |
| 24 months |
1.80% APY |
| 36 months |
2.00% APY |
| 60 months |
2.70% APY |
|
| Share Certificates $2,500 - $24,999.99 |
| 6 months |
1.05% APY |
| 12 months |
1.30% APY |
| 18 months |
1.40% APY |
| 24 months |
1.70% APY |
| 36 months |
1.90% APY |
| 60 months |
2.60% APY |
|
Coverdell Education Saving
Account Certificates |
| 6 months |
2.05% APY |
| 12 months |
2.30% APY |
| 18 months |
2.40% APY |
| 24 months |
2.70% APY |
| 36 months |
2.90% APY |
| 60 months |
3.60% 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 $250,000 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: 1/22/10
APY = Annual Percentage Yield
APR = Annual Percentage Rate
   Equal Housing Lender |
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