Enjoy The Benefits of First Northern Credit Union!


Why Choose A Credit Union? 

Credit unions and banks offer many of the same products and services, but differ in many ways. Perhaps the biggest difference is that credit unions are not-for-profit organizations whose members are all part-owners of the Benefits of membershipfinancial cooperative.

Our members enjoy:

  • Higher savings rates
  • Lower loan rates
  • Low or no fees on many services
  • Personalized member service
  • Free financial education and seminars


First Northern Credit Union has certainly changed with the times, but the one constant is our commitment to improve the financial well-being of every member we serve. Established in 1944 to serve Commonwealth Edison Company employees and family members as their company credit union, we've grown to serve communities and companies throughout northern Illinois, including ComEd.

First Northern is one of the largest, healthiest, and most progressive credit unions in Illinois. We credit our stability to a number of key factors:

  • Assets of over $305 million
  • A membership more than 23,000 strong
  • All member accounts are federally insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government, for up to $250,000 per member
  • Additional coverage of $250,000 for Individual Retirement Accounts

If you are interested in being more than just an account number, First Northern Credit Union is right for you and your family.  Contact Us to receive more information about joining First Northern, or Find a Branch and come in to speak with a Financial Service Advisor.  

Find a Branch / ATM

*Mention Promotion BD2020. Promotion valid between 1/1/20 and 12/31/20 for select community and employer groups. Promotion cannot be combined with any other offers. Not available to existing First Northern Credit Union (FNCU) checking account holders or those closing their account within the last 90 days. 1.) For direct deposit bonus of up to $210, direct deposit a minimum of $250 bi-weekly of your paycheck, pension, or government benefits into a First Northern checking account (subject to approval) and/or a minimum of $100 bi-weekly into a First Northern savings account. Checking account direct deposits of $250 or more will each receive a $25 bonus (maximum 6 within 90 days of account opening) and savings account direct deposits of $100 or more will each receive a $10 bonus (maximum 6 within 90 days of account opening). All bonuses will be paid to your primary share account on or after 90 days of completing related requirements.This bonus is subject to taxation. It will be reported on 1099 as dividends. You must be in good standing. If your direct deposit stops or your checking account is closed within 6 months upon opening, we will deduct the bonus amount at that time.

**Balance transfers completed 6/1/2020 through 8/31/2020 will receive 3.99% APR* for 14 months from date of transfer. After the promotional time frame expires, remaining balances will migrate to the standard APR application on your account. Contact First Northern Credit Union at 888-328-8677 ext. 503 for complete details.  Cannot be combined with any other offer. Some restrictions may apply. APR=Annual Percentage Rate. 

***To receive up to a $500 bonus for financing a mortgage, the following requirements and conditions apply: 1.) Financing a mortgage is subject to our guidelines and credit approval, and an application must be completed within 90 days of opening your FNCU membership 2.) If your mortgage loan is approved,we will pay a bonus of $500 for loans made over $250,000 and a $250 for loans made between $100,000 and $249,000. All bonuses for these transactions will be a lender credit given at closing of the mortgage loan originated by First Northern Credit Union. Note: If your loan is paid off within 6 months after inception, we will deduct the bonus amount at the end of that month’s statement cycle. NMLS #410425.Federally insured by NCUA. Equal Housing Lender.