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Banking That Feels at Home in Evanston

Evanston is known for supporting local businesses, strengthening its neighborhoods and choosing organizations that are invested in the community. Your financial institution should reflect those same values.

First Northern Credit Union offers a local, member-owned alternative to large chain banks. We are not owned by outside investors, and our priority is not generating profits for shareholders. We are here to help our members keep more of their money, borrow affordably and build stronger financial futures.

If you live or work in Evanston—or in one of the surrounding communities—you are eligible to become a member.

View Special Offers BECOME A MEMBER Contact Us

Choose local for your banking, too

You already know the difference between supporting a local business and spending your money with a national chain. The same principle applies to banking. At First Northern Credit Union, your deposits help support lending and financial opportunities for other members. Because we are a not-for-profit financial cooperative, earnings can be returned to members through competitive rates, fewer fees and improved services. It is banking designed to benefit the people who use it—not distant shareholders.

A local alternative to big banks

First Northern has served Northern Illinois since 1944, and have been in Evanston since 2003 when we joined forces with Northwestern University Credit Union. We understand the communities we serve because we are part of them. Members receive personalized service from a credit union that is locally focused and committed to long-term relationships.

Membership belongs to you

When you open an account, you do more than become a customer. You become a member and part-owner of the credit union. Every member has an equal voice, regardless of how much money they have on deposit.

More value for your money

As a not-for-profit credit union, First Northern can focus on providing meaningful financial value. Members have access to everyday banking services, competitive savings options, affordable loans and credit cards designed around their needs.

Convenient banking wherever you are

Manage your accounts with online and mobile banking, mobile check deposit, electronic transfers and other convenient tools. Members can also access thousands of surcharge-free ATMs and shared credit union branches nationwide.

Personalized help when you need it

Financial decisions are not one-size-fits-all. Whether you are opening your first account, financing a vehicle, consolidating debt, improving your home or planning for the future, our team can help you understand your options.

Local banking. Shared values.

Evanston’s independent businesses, neighborhood organizations and community institutions help make the city distinctive. First Northern shares that community-minded approach. We believe financial services should be fair, accessible and focused on helping people—not maximizing profits for a national banking corporation.

When you choose First Northern, you are choosing a financial partner that puts members first and keeps its focus close to home.

You’re Eligible to Join

Membership is open to anyone who lives or works in Evanston or the surrounding area. Opening an account is simple, and once you become a member, your membership can remain with you even if you later move or change employers.

BECOME A MEMBER Contact Us

Apply & use code NEWMEMBER* to get: 

$150 Checking Bonus

Open a new checking account and establish qualifying direct deposit.**
OPEN & CLAIM OFFER 

Up to $250 Home Equity Loan Bonus

Finance a qualifying fixed-rate home equity loan or refinance one from another lender.**
Apply & CLAIM OFFER 

Up to $500 Mortgage Bonus

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.