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Debt consolidation

Debt Consolidation Programs

We all get in a little over our heads sometimes. If you are carrying high-rate debt (or just too much debt!), we may be able to help you pay down your debt, and save some cash each month! 

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A fixed-rate Home Equity Loan allows you to free up the equity in your home and turn it into cash — without affecting the great low rate you already have on your mortgage loan!

You get the entire loan amount up front to use for a specific purpose, and the rate is fixed, so you can rest assured it won't increase during your repayment period. With low monthly payments and terms up to 15 years, it’s a great way to finance large expenses.

  • Great for debt consolidation, college tuition, vehicle purchase, substantial home improvements or other large purchases
  • Get the entire loan amount up front—all at once—for a specific purpose.
  • Low fixed rates and fixed monthly payments
  • Terms from 1-15 years
  • Borrow up to 85% of your home’s appraised value** 
  • No annual fee
  • Interest may be tax deductible. Consult a tax advisor for details.

Apply Now Estimate Your Payments Check Rates

Receive a 0.25% APR* discount off of our published, non-promotional Home Equity Loan rate with:


**Minus any balances owed. Your amount may vary based on credit qualifications. 

For unexpected expenses and quick access to funds, a First Northern Signature Loan may be just what you need.

  • Low fixed rates
  • Terms up to 60 months
  • No prepayment penalties
  • A great option for major household purchases or repairs, a long-awaited vacation, bill consolidation, a medical emergency, or tuition expenses.

Apply Now   Estimate Your Payments Check rates

Transfer your higher-rate credit card balances
to a First Northern Visa® with a non-variable rate — and save!

Transfer Now   Estimate Your Payments Check rates



Important information if you are transferring a balance:

You must be the primary member, co-applicant, or authorized user on the First Northern Credit Union credit card account in order to request a balance transfer.

Total amount of balance transfer(s) cannot exceed your available credit line.

At least two weeks are needed for the balance transfer(s) to be completed.

You must continue to make any required minimum monthly payments on the designated accounts until the balance transfer payments appear as credits on those designated account statements.

A 2.00% balance transfer fee will apply to each balance transfer.