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Looking to do some upgrades on your home? A home equity loan with First Northern could be just what you need to make that house into your dream home! Already have a home equity loan but want to lower your payment? Refinance with us and start saving some of that extra money you are spending. The best part is, First Northern Credit Union wants to pay you up to $500 to finance or refinance a home equity loan with us! Along with better rates, enjoy the many other perks of credit union membership!

  • Higher savings rates
  • Lower loan rates
  • Low or no fees on many services 
  • Personalized member service
  • Free financial education and seminars
  • Full range of products including, Savings, Checking, Money Markets, and Personal, Auto, Home Equity and Mortgage Loans

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Applicants Information
Primary Applicant:
Joint Applicant:
E-Signature and Electronic Disclosures Agreement
This E-Signature and Electronic Disclosures Agreement ("E-Sign Agreement") applies to all communications, documents, disclosures and electronic signatures related to the products, services and accounts offered or accessible through this online application process for all applicants, co-applicants and other individuals listed on this application.
 
Agreement to Conduct Transactions by Electronic Means
You agree to conduct the transactions offered through this online application process by electronic means and acknowledge that all documents, disclosures, forms and other information related to such transactions will be provided to you through a web-based electronic interface or email. You further agree that all transactions completed through this online process will result in valid and legally binding agreements. You also agree that you have adequate access to a computer with sufficient internet connectivity to conduct these transactions online. 

Agreement to Receive Disclosures Electronically
You agree to receive all legal and regulatory disclosures and other communications associated with this application or transactions available through this online application process through electronic means including this web-based electronic interface and email.
  
E-Application Disclosure/Agreement

You promise that everything you have stated in this application is correct to the best of your knowledge, and that the above information is a complete. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision.

*This is a secure online service application. First Northern takes great care to protect your information with full 128 bit encryption - so you can have confidence that this form is every bit as protected as your online banking.

*Open to both new and current memberships during this promotion. To be eligible, you must have or open a First Northern Savings Account with a minimum deposit of $5.00 and obtain financing through First Northern Credit Union by December 31, 2018. Offer valid on Illinois primary residences only, and does not apply to paying off existing First Northern loans. An initial advance of $25,000 is required to avoid upfront fees. Offer only good on applications received by December 31, 2018. Some restrictions apply. Consult your tax advisor concerning interest deductibility.

The Cash Back refinance reward will be deposited into your First Northern Savings Account after the first four payments have been made on time and the payout will be based on the principal loan balance at that time. Cash Back payouts are as follows: Home equity loan amounts between $25,000 and $39,999 will receive $150 cash back. Home equity loan amounts between $40,000 and $54,999 will receive $250 cash back. Home Equity loan amounts $55,000 will receive $500 cash back.

 



*Offer valid on Illinois primary residences only, and does not apply to paying off existing First Northern loans. An initial advance of $25,000 is required to avoid upfront fees. Offer only good on applications received by December 31, 2018. Some restrictions apply. Consult your tax advisor concerning interest deductibility.

The Cash Back refinance reward will be deposited into your First Northern Savings Account after the first four payments have been made on time and the payout will be based on the principal loan balance at that time. Cash Back payouts are as follows: Home equity loan amounts between $25,000 and $39,999 will receive $150 cash back. Home equity loan amounts between $40,000 and $54,999 will receive $250 cash back. Home Equity loan amounts $55,000+ will receive $500 cash back.