Balance Transfer Offer

*APR=Annual Percentage Rate. **Balance transfers completed between January 15, 2026 and May 31, 2026 will have an introductory APR of 2.99% for 24 billing cycles from the date of transfer. After the introductory time frame expires, remaining balances will migrate to the standard APR applicable on your account. Contact First Northern Credit Union at 888.328.8677 for complete details. Cannot be combined with any other offer. Balances cannot be transferred from a First Northern credit card to another First Northern credit card. All other terms and conditions of your credit card agreement remain the same. Additional restrictions may apply. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. A 2.0% balance transfer fee will apply to each balance transfer.

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.  Roadside Dispatch details: ***Note: Customers must pay service provider for mileage over five miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county maintained road only. Additional fees may apply for winching services under certain circumstances. Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor First Northern Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other off road; areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor First Northern Credit Union provides any assurances as to the ability of the Service Provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation. Current fee for a standard service call is $69.95. Service call fees are subject to change at any time; however, callers will be notified prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited. Visa's Zero Liability details: ****Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact us for more details.