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In the early 1940s, Commonwealth Edison operated separate credit unions for its departments. When those credit unions were dissolved, a small group of employees believed their coworkers still deserved access to a financial institution created to serve their needs. They worked together to keep the cooperative idea alive, and on February 7, 1944, Edison Credit Union — now First Northern Credit Union — was founded. By the end of its first year, the credit union served 1,169 Commonwealth Edison employees.
We've always served Constellation as a subsidiary to Exelon. Now that Constellation is its own publicly-traded company, First Northern remains proud to serve Constellation employees and employees of its subsidiaries.
That shared history means Constellation employees are not just eligible to join "just another" financial institution. You are eligible to become part of a member-owned financial cooperative that began with energy employees at Commonwealth Edison, and has continued serving generations of energy employees and their families.
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Because First Northern is a member-owned, not-for-profit credit union, our focus is on helping you make the most of your money — not generating profits for outside shareholders. Members benefit from competitive savings and loan rates, along with lower or no fees on many services.
Manage your accounts around the clock through online banking and the FNCU Mobile app. Deposit checks, transfer money between financial institutions, pay loans and credit cards, manage bills, receive account alerts and send money with Zelle®. Learn more. You also have access to:
Whether you are starting your career, buying a home, refinancing debt, planning for a major purchase or preparing for retirement, First Northern offers financial products designed to support your goals.
At First Northern, you are more than an account number. Our employees take the time to understand your needs, answer your questions and help you identify the right financial solution. All lending decisions are made locally, allowing you to work with people who understand your communities and you personally.
Once you join First Northern, you can remain a member even if you change employers, retire or move away. Your family members can join, too, allowing the benefits of credit union membership to extend to the people closest to you.
Direct deposit makes it easy to automatically direct part or all of your paycheck into your First Northern accounts. Use it to simplify everyday banking, build emergency savings, set aside money for future expenses or qualify for the current new-checking-account offer.
With online and mobile banking, you can then transfer funds, pay bills and loans, deposit checks and manage your accounts wherever you are.
Constellation employees help power the communities they serve. First Northern shares that commitment to people and community. As a financial cooperative, we exist to improve our members’ financial well-being. When you join, you become an owner with access to products, services and support designed to help you move forward with confidence.
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Open a new checking account and establish qualifying direct deposit.** OPEN & CLAIM OFFER
Finance a qualifying fixed-rate home equity loan or refinance one from another lender.** Apply & CLAIM OFFER
Finance or refinance a qualifying mortgage**. Apply & CLAIM OFFER
*Must use promo code NEWMEMBER. Promotion valid through 12/31/2026 and subject to change or end at any time. Cannot be combined with any other promotions. Subject to approval. Membership requirements apply. Not available to existing First Northern Credit Union members or those closing their account within the last 90 days. Bonuses subject to taxation as regular dividends.
Get a $150 bonus for opening a checking account with direct deposit: Direct deposit $500 or more monthly of your paycheck, pension, or government benefits into a new checking account for three consecutive months. Bonus paid to primary share account on or after 90 days of completing requirements.
Get up to a $250 bonus for opening or refinancing a Home Equity Loan: Receive up to a $250 bonus for financing a fixed-rate home equity loan or refinancing a fixed-rate home equity loan from another lender: 1) Loan application must be completed within 90 days of joining credit union 2) If approved, we will pay a bonus of $250 for loans over $50,000, and $100 for loans between $25,000 and $50,000. Bonus paid to primary share account on or after 90 days of completing requirements. Home Equity Lines of Credit ineligible.
Get up to a $500 bonus for opening or refinancing a mortgage: Receive up to $500 for financing a mortgage or refinancing a mortgage loan from another lender: 1.) Loan application must be completed within 90 days of joining credit union 2.) If approved, we will pay a bonus of $500 for loans over $250,000 and $250 bonus for loans between $100,000 and $249,999. Bonuses paid as lender credit at closing of the FNCU loan. Bonus subject to repayment if loan is paid off within 6 months.