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energy Chicago

Powering Your Colleagues since 1944

Founded by employees like you

2023 Bi-Weekly Calendar  2023 Semi-Monthly Calendar

Our membership began when Commonwealth Edison established separate credit unions for each of its departments in the early 1940s. When ComEd dissolved its credit unions, a handful of employees took it upon themselves to keep the idea of a financial cooperative alive. Their innovations paid off. Not only did they receive $5,000 and some office space and equipment from ComEd, they also gained approval to incorporate a credit union. 

On March 1, 1944, Edison Credit Union was born, and in 1999 we changed our name to First Northern Credit Union.

We're still powering your colleagues nearly 80 years later.

We've been serving ComEd & Exelon employees for nearly 80 years, and we're honored to expand that to include Constellation employees like you. Learn more about why thousands of your colleagues and friends have chosen to "bank" with us for decades!

Constellation employees can earn up to $900!


  • Earn up to $150 for opening a checking account with direct deposit*



  • Earn up to $250 for financing/refinancing a home equity loan***

Apply for a Home Equity Loan


  • Earn up to $500 for financing/refinancing a mortgage**

Apply for a mortgage & check rates

Use promo code ENERGY2023 when applying to take advantage of these special offers, just for Constellation employees!



Mention Promotion ENERGY2023 when joining or applying. Promotion valid through 12/31/2023. Cannot be combined with any other promotions. Not available to existing First Northern Credit Union (FNCU) members or those closing their account within the last 90 days. All bonuses are subject to taxation as regular dividends.

*For $150 bonus, direct deposit $500 or more monthly of your paycheck, pension, or government benefits into a new FNCU checking account (subject to approval) for three consecutive months. Bonus paid to primary share account on or after 90 days of completing requirements.
**To receive up to a $500 bonus for financing a mortgage or refinancing a mortgage from another lender: 1.) Loan application must be completed within 90 days of opening your FNCU membership, 2.) Once approved, we will pay a bonus of $500 for loans over $250,000 and $250 bonus for loans between $100,000 and $249,000. Bonuses paid as lender credit at closing of the FNCU loan. Bonus subject to repayment if loan is paid off within 6 months.
***To 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) Complete loan application within 90 days of opening your FNCU membership, 2) If approved, we will pay a bonus of $250 for loans over $50,000, and $100 for loans less than $50,000 but at least $25,000. Bonus paid to primary share account on or after 90 days of completing requirements. Home Equity Lines of Credit ineligible. 

Friends don't let friends bank elsewhere.

Invite someone to First Northern and when they open ONE of the following you'll EACH earn $50!*

  • Checking account**
  • Visa® Credit Card***
  • Auto loan with eBilling****

It's easy! Just ask your friend to use promo code REFER and give us your name when completing our online application — we'll handle the rest!

* A new member is defined as anyone who has not had an account at First Northern Credit Union for at least one year and is age 18+. Must meet membership eligibility requirements, including establishing a share savings account with minimum $5.00 opening balance. Code REFER must be used at account opening. Earnings will be deposited into each member’s share savings account approximately 90 days after qualifications met. Program subject to change without notice and cannot be combined with any other offer or promotion. Limit one $50 offer per new member. No limit to the number of new members that existing member can refer.  Employees and officers of First Northern Credit Union are not eligible. ** Minimum $500.00/month direct deposit and enrollment in eStatements required within 90 days of account opening. *** Subject to First Northern Credit Union guidelines and credit approval. **** New or refinanced auto loans from another lender qualify, minimum loan amount $10,000. Excludes indirect loans, Rate Genius loans and Driving Sense loans. Subject to First Northern Credit Union guidelines and credit approval. Enrollment in eBilling required within 90 days of loan funding.

Credit unions and banks offer many of the same products and services but differ in many ways.

Why bank with First Northern?

  • We’re a not-for-profit organization, governed by a board of unpaid volunteer members.
  • As a member, serving you is our number one priority.
  • Our members are more than just an account number — they’re part owners.
  • All profits are returned to you, our members, not to investors.
  • Members benefit from lower or non-existent fees, higher deposit rates, and more competitive loan rates.
  • Based in the Chicagoland area, our teams are made up of decision makers who truly understand our community.
  • As a credit union, we’re driven by the “People Helping People” philosophy.
  • Your financial wellness one of our main focuses. Members benefit from free seminars, access to like-minded organizations such as BALANCE, and other innovative forms of assistance.
  • Your membership with us lasts a lifetime — even if you move, change jobs, or retire. What’s more, your First Northern benefits can be passed down generation to generation.
  • Your funds are federally insured by the National Credit Union Administration (NCUA) for up to $250,000 and backed by the full faith and credit of the United States Government.