No stored Google rating available.
Member-owned credit union serving northern Illinois since 1944, offering auto loans, mortgages, credit cards, and savings products with competitive rates.
Data compiled from public sources
First Northern Credit Union has been operating as a member-owned, not-for-profit financial institution serving northern Illinois and the Chicago area since 1944. As a federally-insured credit union (NCUA-insured), the organization provides traditional banking and lending services exclusively to its members rather than shareholders. The credit union operates multiple physical branch locations, including notable branches in Streeterville and Rockford, alongside digital banking channels.
First Northern demonstrates active community involvement through charitable donations and fundraising campaigns supporting local organizations addressing hunger, housing insecurity, and family services. 59% for refinancing) and mortgage products, combined with credit union membership benefits and community reinvestment. The organization also emphasizes financial wellness education through its blog, covering topics like home budgeting, homebuying strategies, and rent versus buy analysis.
99% introductory APR for 24 months, targeting debt consolidation. The credit union provides signature loans, home equity loans, IRAs, and a member referral rewards program. For consumers, the main caveat is that membership eligibility requirements apply—the website references "WHO CAN JOIN" guidance but does not publicly detail specific membership criteria on the homepage.
Additionally, while rate information is provided, the asterisk notation indicates terms and conditions apply that are not fully disclosed on the homepage.
This is state-level context for Credit Unions consumers in Chicago, IL. It does not confirm that First Northern or this specific location is licensed.
State regulator
Illinois Department of Financial and Professional Regulation
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
First Northern processed 396 mortgage applications in 2023, with 88.4% recorded as approved across 9 states.
396
Applications
88.4%
Approval Rate
$128K
Avg Loan
9
States Served
Based on 396 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
First Northern offers 12 services including Auto purchase loans (rates from 4.84% APR), Auto refinancing (rates from 4.59% APR), Home mortgages with low rates and fees, Home equity loans (rates from 6.49% APR), Signature/personal loans (rates from 11.49% APR), and 7 more.
First Northern has profile signals associated with Northern Illinois and Chicago-area residents seeking vehicle financing with rate claims to verify, Homebuyers and homeowners in the credit union's service area looking for mortgage and home equity products, Members interested in credit union membership benefits, community reinvestment, and financial wellness education, Individuals with existing debt seeking balance transfer options with introductory promotional rates.
Key strengths: Competitive auto refinancing rates as low as 4.59% APR, below typical market averages; Auto purchase rates starting at 4.84% APR with listed rate advertising; Visa balance transfer introductory rate of 2.99% APR for 24 months for debt consolidation. Areas to consider: Membership eligibility requirements exist but are not clearly detailed on the homepage; Rate quotes include asterisks indicating terms and conditions not fully disclosed online.
In the Credit Unions category, comparable providers include Chicago Avenue Garage Federal Credit Union, Chicago Firefighters Credit Union, Credit Union 1. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
First Northern Credit Union is profile signals for Illinois residents who qualify for membership and seek rate claims to verify on auto loans, mortgages, and debt consolidation products combined with community-focused banking. The main caveat is that membership eligibility is not publicly disclosed on their website, so prospective members must contact the credit union directly to confirm they meet eligibility requirements before applying.
Chicago Avenue Garage FCU is a small, member-owned credit union serving employees of Chicago Avenue Garage and their families with savings accounts and personal loans.
Google rating from 3 reviews
Profile signals: Current and former employees of Chicago Avenue Garage seeking safe savings with NCUA insurance, Immediate family members of Chicago Avenue Garage employees needing personal or seasonal loans
Credit union exclusively serving Chicago Fire Department members since 1937, offering savings accounts, loans, and banking services to firefighters and their families.
Google rating from 17 reviews
Profile signals: Chicago Fire Department active-duty firefighters seeking member-focused banking and lending services, Firefighter families looking for financial products from an institution that understands their household income stability
Credit Union 1 is a federally insured credit union offering checking, savings, loans, credit cards, and mortgages with rate claims to verify and mobile banking access.
Google rating from 791 reviews
Profile signals: Members seeking high-yield savings and checking accounts with competitive APY rates, First-time homebuyers interested in no down payment mortgage options
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