Our CreditSense program is designed for members who need help building or rebuilding credit.
CreditSense Share-Secured Loan
This program starts with a CreditSense loan. We put the funds directly into your Share Savings Account but they are unavailable to you and “frozen” until your loan is paid in full. This process allows you to build healthy savings habits, and as long as you make timely monthly payments, you'll also boost your credit history and improve your credit score. There's no application fee and approval is quick and easy.
CreditSense Checking
If you are rebuilding credit or building credit for the first time, it may be hard to get approved for a checking account. First Northern's CreditSense Checking comes with all the great features of a standard checking account, including a Visa® Debit Card with a low annual fee* for easy access to your checking account funds. Simply maintain a low average daily balance of $100* to get started!
CreditSense Visa® Credit Card
When you make the first six payments of your CreditSense loan on time, you’ll qualify for a Visa Credit Card with a $750 limit**, a 24.99% APR*** on all purchases and cash advances, and a low annual fee. With timely payments, this card not only provides access to credit when you need it most, it helps build a positive credit rating and score.
Free Financial Counseling
When you join First Northern's CreditSense program, you’ll have access to free, no-obligation money management education and financial counseling. We'll work with you one-on-one confidentially to discuss your financial concerns and needs, help understand your financial situation, find ways to save, assist with prioritizing payments, develop a customized budget, and provide an action plan based on your short- and long-term goals. And, in working together, we may be able to help get you a CreditSense Visa sooner!
To learn more about our CreditSense program, contact a Financial Service Advisor at 888-328-8677.