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Rates

Rates current as of today, 7/28/2026. Print

New Member1 Auto Loan Refinancing
For vehicles up to 7 model years old, refinanced from another lender
Term Promotional APR*
Up to 60 months As low as 4.99%
61-66 months As low as 5.29%

REQUEST ONLINE  Learn More

*APR=Annual Percentage Rate. Limited time offer valid for new members to First Northern Credit Union who refinance an auto loan from another lender. Limit one per household. Existing members do not qualify for this offer nor do Driving Sense™, Indirect vehicle, LendPro, First-time Car Buyer Program, Credit Rebuilder, Miscellaneous Collateral, RateGenius, and Other vehicle loans. Not valid with any other promotional rates, offers or discounts. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions and are subject to change at any time without notice. Rate quoted is the lowest rate for highly qualified applicants. Your rate will be determined at the time of your application and may be higher. Repayment Example: A loan of $25,000 at 4.99% APR for 60 months is a monthly payment of $471.67 and total interest of $3,299.98  **No payments for 90 days is available on conventional auto loan refinancing only, not Driving Sense. Interest accrues from the date of loan disbursal. Title correction fee and other processing fees may apply.  1 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 a minimum $5.00 opening balance. 

New Auto Loan Refinancing
Includes current and 1-year prior model year vehicles refinanced from another lender
Term Promotional APR*
Up to 29 months As low as 4.59%
30 - 41 months As low as 4.79%
42 -53 months As low as 5.09%
54 - 65 months As low as 5.29%
66 - 72 months As low as 5.79%
Pre-Owned Auto Loan Refinancing
Includes vehicles up to 7 model years' old refinanced from another lender
Term Promotional APR*
Up to 62 months As low as 5.29%
63 - 65 months As low as 5.59%
66 months As low as 5.59%
67 - 72 months As low as 5.79%

REQUEST ONLINE  Learn More

*APR=Annual Percentage Rate. Limited time offer valid for refinancing an auto loan from another lender only. Existing First Northern vehicle loans do not qualify for this offer nor do Driving Sense™ loans, LendPro loans, First-time Car Buyer Program, Credit Rebuilder vehicle loan, Miscellaneous Collateral, and RateGenius loans. Not valid with any other offers or discounts. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions and are subject to change at any time without notice. Rate quoted is the lowest rate for highly qualified applicants. Your rate will be determined at the time of your application and may be higher. Repayment Example: A loan of $40,000 at 5.29% APR for 60 months is a monthly payment of $760.18 and total interest of $5,610.52.  **No payments for 90 days is available on conventional auto loan refinancing only, not Driving Sense. Interest accrues from the date of loan disbursal. Title correction fee and other processing fees may apply. 

New Auto Loans
Term APR*
Up to 29 months As low as 4.84%
30 - 41 months As low as 5.04%
42 - 53 months As low as 5.34%
54 - 65 months As low as 5.54%
66 - 72 months1 As low as 6.04%
73 - 84 months2 As low as 6.54%

Apply ONLINE   Learn More

Pre-Owned Auto Loans (7 model years or newer)
Term APR*
Up to 62 months As low as 5.54%
63 - 66 months As low as 5.84%
67 - 72 months1 As low as 6.04%
73 - 84 months3 As low as 6.54%

Apply ONLINE   Learn More

*APR=Annual Percentage Rate. 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. Your rate will be determined at the time of your application. Repayment Example: A loan of $40,000 at 5.54% APR for 60 months is a monthly payment of $764.79 and total interest of $5,887.11 Late payment fees and processing fees may apply. 

1 Retail value must be greater than $15,000. 2 Retail value and loan amount must be greater than $25,000. 3 Retail value must be greater than $25,000 and vehicle must be 3 model years old or newer.

Driving Sense™: New Vehicles (Purchase or Refinance)
Term APR*
Up to 29 months As low as 4.84%
30 - 41 months As low as 5.04%
42 - 53 months As low as 5.34%
54 - 65 months As low as 5.54%
66 - 72 months1 As low as 6.04%

ApplY ONLINE Get a Custom Quote Learn More 

Driving Sense: Pre-Owned Vehicles (Purchase or Refinance)
(5 model years or newer)
Term APR*
Up to 62 months As low as 5.54%
63 - 66 months As low as 5.84%
67 - 72 months2

As low as 6.04%

APply ONLINE Get a Custom Quote Learn More 

*APR=Annual Percentage Rate. 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. Your rate will be determined at the time of your application. Repayment example for a vehicle priced at $40,000 with a loan amount of $21,500: At 5.54% APR and term of 60 months with the $895 one-time program fee paid upfront: Payments 1-59 are $411.07 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $3,164.32.

You have four options to satisfy the final payment, as noted above. If you elect to return the vehicle you will have the following obligations: 1. All original equipment that came with the vehicle when you purchased it must still be with the vehicle. 2. If you exceed your mileage allowance, the excess mileage fee is $.10 per mile, and 3. The condition of the vehicle when returned must comply with the Loan Addendum provided to you at the time of loan disbursement. If you return the vehicle in accordance with the Loan Addendum, you will be charged a low $195 disposition fee and the residual amount is considered to have been fully satisfied and the loan is closed. 

1 Retail value must be greater than $15,000. 2 Retail value must be greater than $15,000 and vehicle must be 5 model years old or newer.

Visa® Credit Cards (Purchase, Balance Transfer,** Cash Advance)
Product APR* 
Visa Platinum 14.99% to 16.50%
Visa Platinum Premier 16.25% to 17.75%
Visa Classic 18.25% to 22.75%
CreditSense Visa (contact us to apply) 24.99% 

Apply ONLINE Learn More

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change at any time. Your rate will be determined at the time of your application. **A 2.0% balance transfer fee will apply to each balance transfer.

Home Equity Loans (up to 85% appraised value**)
Term APR*
5-Year Fixed As low as 6.49%
10-Year Fixed As low as 6.99%
15-Year Fixed As low as 7.29%

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*APR=Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Available on Illinois residences only.  Repayment Example: A loan of $50,000 at 6.49% APR for 60 months is a monthly payment of $978.07 and total interest of $8,684.39. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

Home Equity Lines of Credit (up to 85% appraised value**)
Type APR*
Line of Credit (variable)  6.25% to 8.25%

REQUEST ONLINE   Learn More

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Home Equity Lines of Credit have variable rates, which may change with the Prime Rate.  Your rate is set at the time of your loan (your initial rate) based on your credit qualifications, and is adjusted each January 1st and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin of as low as Prime minus 50 to as high as Prime plus 150 basis points on Home Access Lines of Credit with a floor of 4.00%. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

As of 12/11/2025 the Prime Rate was 6.75% APR.

Home Access Loans (up to 100% appraised value**)
Term APR*
7-Year Fixed As low as 8.68%

REQUEST ONLINE   Learn More

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Offer valid on Illinois residences only.  Repayment Example: A loan of $100,000 at 8.68% APR for 84 months is a monthly payment of $1,592.72 and total interest of $33,788.08. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

Home Access Lines (up to 100% appraised value**)
Type APR*
Line of Credit (variable) 8.75% to 12.75%

REQUEST ONLINE   Learn More

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Home Access Lines of Credit have variable rates, which may change with the Prime Rate.  Your rate is set at the time of your loan (your initial rate) based on your credit qualifications, and is adjusted each January 1st and July 1st based on the Prime Rate as published in The Wall Street Journal, plus a margin of as low as Prime plus 200 to as high as Prime plus 600 basis points on Home Access Lines of Credit with a floor of 7.00%. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

As of 12/11/2025 the Prime Rate was 6.75% APR.

Motorcycle, Snowmobile & Camper Loans
Term  APR*
New: Up to 60 months As low as 7.44%
Pre-Owned: Up to 60 months1 As low as 9.14%

Apply ONLINE  Learn More

*APR=Annual Percentage Rate. 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. Your rate will be determined at the time of your application. Repayment Example: A loan of $40,000 at 7.44% APR for 60 months is a monthly payment of $800.38 and total interest of $8,022.68. Late payment fees and processing fees may apply. 

1 For vehicles over 5 model years' old, retail value must be greater than $10,000.

Boat & RV Loans
Term: New APR*
Up to 29 months As low as 5.04%
30 - 41 months As low as 5.54%
42 - 53 months As low as 5.84%
54 - 65 months As low as 6.04%
66 - 72 months1 As low as 6.74%
73 - 84 months2 As low as 7.74%
85 - 120 months3 As low as 8.04%
Term: Pre-Owned 7 model years & newer APR*
Up to 62 months  As low as 6.04%
63 - 66 months As low as 6.54%
67 - 72 months1 As low as 6.74%
73 - 84 months4 As low as 7.74%
85 - 120 months3 As low as 8.04%
Term: Pre-Owned 8 model years & older APR*
Up to 66 months5 As low as 7.54%

Apply ONLINE  Learn More

*APR=Annual Percentage Rate. 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. Your rate will be determined at the time of your application. Repayment Example: A loan of $80,000 at 6.04% APR for 60 months is a monthly payment of $1,548.11 and total interest of $12,886.75. Late payment fees and processing fees may apply. 

1 Retail value must be greater than $15,000. 2 Retail value must be greater than $15,000 and loan amount must be greater than $10,000. 3 Retail value must be greater than $40,000.  4 Retail value must be greater than $25,000 and vehicle must be 3 model years old or newer. 5 Retail value must be greater than $10,000.

Signature Loans
Term APR*
Up to 60 months As low as 11.49%

Apply ONLINE   Learn More

*APR=Annual Percentage Rate. 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. Your rate will be determined at the time of your application. Repayment Example: A loan of $20,000 at 11.49% APR for 60 months is a monthly payment of $439.75 and total interest of $6,385.10. Late payment fees and processing fees may apply. 

Share-Secured Loans
Term APR*
Up to 29 months 3.49%
30 - 41 months 3.99%
42 - 53 months 4.19%
54 - 60 months 4.49%
Certificate-Secured Loans available at 3.0% over Share Certificate rate of the same term.  

Contact Us to open Learn More 

CreditSense Share-Secured Loans
  APR*
Contact us for terms and conditions 6.99%

Learn More about CreditSense

*APR = Annual Percentage Rate. 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. Your rate will be determined at the time of your application. Repayment Example: A loan of $10,000 at 3.49% APR for 29 months is a monthly payment of $360.07 and total interest of $442.16. Late payment fees and processing fees may apply.