Rates

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*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. Must meet membership criteria. 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 . 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. 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. 

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*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 5.09% APR for 29 months is a monthly payment of $1,468.80 and total interest of $2,595.26.  **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. 

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*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 6.04% APR for 60 months is a monthly payment of $774.06 and total interest of $6,443.38. 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.

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*APR=Annual Percentage Rate. Repayment example for a vehicle priced at $40,000 with a loan amount of $21,500: At 6.04% APR and term of 60 months with the $895 one-time program fee financed into the loan: Payments 1-59 are $422.10 with a 60th/final payment due for the residual value amount of $18,500 (Guaranteed Future Value) and total interest paid of $3,403.83.

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.

*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. 

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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 $100,000 at 6.99% APR for 60 months is a monthly payment of $1,979.65 and total interest of $18,778.89. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

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*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.  YYour 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 12/18/2024 the Prime Rate was 7.50% APR.

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*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 9.54% APR for 84 months is a monthly payment of $1,623.15 and total interest of $36,344.94. Late payment fees and processing fees may apply. **Minus any balances owed. Your loan-to-value percentage may vary based on credit qualifications. 

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*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 12/18/2024 the Prime Rate was 7.50% APR.

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*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 7.94% APR for 60 months is a monthly payment of $809.91 and total interest of $8,594.46. Late payment fees and processing fees may apply. 

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

*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 6.54% APR for 60 months is a monthly payment of $1,566.79 and total interest of $14,007.47. 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.

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*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. 

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*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.