Prescreen & Opt-Out Notice

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1-888-5-OPTOUT (1-888-567-8688). See PRESCREEN & OPT-OUT NOTICE for more information about prescreened offers.


Pre-qualified status:  Information from a credit bureau was used in connection with this offer.  You received this offer because you satisfied certain credit union criteria for creditworthiness as of the date of the credit bureau information. If you respond to this offer but do not meet the criteria for loan/line pre- qualification at the time of your application or if you do not provide the required collateral, we may not be able to extend credit to you.

You have the right to prohibit the use of information contained in your credit file with any consumer credit reporting agency in connection with any credit transaction that is not initiated by you.

You may contact any of the credit reporting agencies by calling 1 (888) 5.OPT OUT (567.8688) or write to them at the addresses below:

Ø  Experian Marketing, P.O. Box 919, Allen, TX 75013-0919

Ø  Trans Union, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505

Ø  Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123


Other Important Program Information:

*Loan terms, rates, and conditions are based on credit score and other qualifications. Rates subject to change. Offer valid only for Illinois primary residences on refinanced Home Equity Loans of $25,000 or higher. May borrow up to 85% of your home’s equity with a 5, 10, or 15 year loan. You may not refinance any existing FNCU loan in conjunction with this offer.Repayment example: 3.99% APR for 120 months is $9.79 per $1,000 borrowed. Membership with First Northern Credit Union required.

¹ Direct deposit into a Preferred or Advantage Checking account required in order to receive a “Loyalty Discount” rate of .25% lower than our published fixed-rate home equity loan.

² As with any financial transaction that carries tax implications, we encourage you to consult with a tax professional to receive the most current information.










First Northern Credit Union (April 2017)

©2017 First Northern Credit Union MREFILTR
Equal Housing Lender. Federally Insured by NCUA.
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