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Rates
Loans – APR As Low As:*
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Home Equity Loans
(Borrow up to 85% of your home's equity) |
| Line of Credit |
4.00% APR |
| 5-year fixed |
3.99% APR |
| 10-year fixed |
5.49% APR |
| 15-year fixed |
5.99% APR |
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Home Access Loans
(Borrow up to 100% of your home's equity) |
| Line of Credit (variable) |
7.00% APR |
| 7-year fixed |
8.49% APR |
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| Fixed-Rate VISA Credit Cards |
| Platinum Rate |
8.99% APR |
| Platinum Premier |
10.25% APR |
| Classic |
12.25% APR |
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| Signature Loans |
| Signature |
9.99% APR |
*Subject to credit approval. Rates are subject to Lender's
credit criteria, certain conditions, and restrictions. Your rate
and corresponding Annual Percentage Rate (APR) may be
higher than the published rate. Rates are subject to change
at any time without notice.
† Terms listed for loan products originated under our multi-featured, open-end loan plan are approximate and are based on amortizations of the minimum monthly payment assigned to the particular advance. |
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Loans
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| Share Secured |
| Up to 24 months† |
3.99% APR |
| Up to 36 months† |
4.49% APR |
| Up to 48 months† |
4.99% APR |
| Up to 60 months† |
5.29% APR |
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| Stock Secured |
| Up to 24 months† |
6.79% APR |
| Up to 36 months† |
6.99% APR |
| Up to 60 months† |
7.99% APR |
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| **The Prime Rate is the Prime Lending Rate as published in The Wall Street Journal. As of 08/11/10 the Prime Rate was 3.25% APR. The annual percentage rate on this loan cannot exceed 18%. Offer valid on Illinois residences only, and does not apply to paying off existing First Northern Credit Union loans. Rates subject to change. Fixed-rate repayment example: 5.99% APR for 60 months is $19.34 per $1,000 borrowed. As always, consult your tax advisor concerning interest deductibility. Some restrictions apply. See your Financial Service Advisor for details. |
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Deposits*
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| Checking Accounts |
| Preferred Checking |
0.10% APY |
| Advantage Checking |
2.50% APY on average daily balances of $7,500 or less |
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0.20% APY on portions over $7,500 |
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| Money Market - Market Yield |
| $100,000 and above |
0.50% APY |
| $50,000-$99,999.99 |
0.40% APY |
| $25,000-$49,999.99 |
0.30% APY |
| $0-24,999.99 |
0.05% APY |
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| Money Market - Market Demand |
| $25,000 and above |
0.25% APY |
| $2,500-$24,999.99 |
0.20% APY |
| $0-2,499.99 |
0.05% APY |
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Share Savings, Holiday and Vacation Clubs,
Moola Moose Club & Compass Club |
| $25,000 and above |
0.25% APY |
| $2,500 - $24,999.99 |
0.20% APY |
| $5 - $2,499.99 |
0.20% APY |
APY = Annual Percentage Yield
**Rates subject to change. You must maintain the minimum average daily balance requirement of the account to obtain the disclosed APY.
Yields for all share savings accounts (above) are declared quarterly by the Board of Directors. Dividends are paid retroactively and based on earnings for the period. The dividend yield listed is for the period ending 12/31/2011.
Yields for other deposit products are declared and paid monthly.
Fees may reduce earnings.
For CDs, a penalty may be imposed for withdrawals before maturity.
Federally insured by NCUA. |
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Your savings are federally insured by the NCUA (National Credit Union Administration), an agency of the U.S. Government, for up to $250,000 per member – with a separate coverage of $250,000 for Individual Retirement Accounts. First Northern also provides additional private share insurance of $250,000 through Excess Share Insurance. |
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This page was last revised: 2/15/12
APY = Annual Percentage Yield
APR = Annual Percentage Rate
   Equal Housing Lender |
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