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Share Savings Accounts

A Share Savings Account with First Northern Credit Union leads the way to a lifetime of membership, and is your ownership "share" of our financial cooperative! With as little as $5.00 in your account:

  • Earn competitive dividend rates
  • Be a member-owner of First Northern and gain access to all we have to offer
  • Pay no monthly maintenance fee**
  • Have no minimum balance requirement
  • Use your balance as overdraft protection for your First Northern checking account**

A Holiday Savings Account, Vacation Savings Account, or Special-Purpose Share Savings Account helps you save for holidays, vacations, or anything that matters most to you!

  • Earn competitive dividend rates
  • Pay no monthly maintenance fee**
  • No minimum balance requirement
  • Transfer funds automatically into your account each month to help you save
  • Money is available to withdraw when you need it!

No matter which option you choose,  your funds are federally insured by the National Credit Union Administration up to $250,000.

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Share Savings, Holiday Savings and Vacation Savings Accounts
Balance APY*
$25,000 and above 0.20%
$2,500 - $24,999.99 0.15%
$5 - $2,499.99 0.10%

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*APY = Annual Percentage Yield. Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY. Yields for all share savings accounts are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 3/31/2025.  Other fees and conditions may apply and may reduce earnings. See fee schedule for details.

**Other fees may apply and may reduce earnings. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours, or to a third party, by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction.  No more than three of the six transfers may be made by check, draft or similar order to a third party.  If you exceed the transfer limitations set forth above, your account may be subject to an over transaction volume limit fee for each debit transaction (withdrawal, draft or check paid, automatic transfer or payment out of this account), or closure by the credit union. See fee schedule for details.