Membership FAQs
Have OnLine Questions? Click Here.
How can I qualify to become a member?
You can enjoy all the benefits of membership with First Northern Credit Union if you fall under one of the following categories:
- You live or work in the following counties in Illinois:
Boone, DeKalb, DuPage, Grundy, Kane, Kendall, Lee, McHenry, Ogle, Stephenson, Will and Winnebago.
- You live or work in the City of Evanston
- You are a Northwestern University Student
- You work for one of the following organizations (Select Employee Groups):
Coalition of Illinois Counselors Organization
CMH
ComEd
EmPower/White Collar Staffing
Edison Mission Energy
Exelon Corporation
First Northern Credit Union
Ispat Inland (corporate office)
IAODAPCA
Johnson Controls
JULIE
Northwestern Memorial Hospital
Northwestern University
Powertrain, Inc.
Professional National Title Network
Any employee working at an organization housed at
230 W. Monroe St. Chicago, IL 60606-4902
- You are related to a current member of First Northern Credit Union
What's the minimum that I have to pay to open a savings account?
There is no cost to join the credit union. However, we require you to keep at least $5.00 in your savings account at all times. Then, you're free to apply for all of our other products and services.
If I want to set up direct deposit, I need an ABA #. How does that work?
It's easy. Simply give the First Northern Credit Union routing number (271078719) to your payroll department along with your First Northern account number and you're ready to enjoy the convenience of direct deposit.
How can I consolidate my debt with First Northern Credit Union?
Your best bet is to speak with a Financial Service Advisor to see where we can best help. We offer an array of products, from unsecured signature loans to home equity loans and more. In fact, you can apply in one of four convenient ways:
Why doesn't First Northern offer ATM cards?
Because the First Northern Visa Check Card (debit card) is even easier and more convenient to use. You can get cash back and/or buy goods and services at convenient stores, gas stations, grocery stores and anywhere else cash, credit cards or checks are welcome.
How can I check my Visa balance during the middle of the billing cycle?
You can check your Visa balance one of two ways:
How do I need to notify First Northern Credit Union that I'm changing my address?
To help us serve you better, please send Member Relations the following information:
- Your name
- Account number
- New address & phone number
- Your signature
You can send this information to us in one of three convenient ways:
- Fax us at: (312) 332-3177
- Mail us at: First Northern Credit Union
230 W. Monroe St. Suite 2850, Chicago, IL 60606-4902
- Stop by one of our branches.
By keeping us informed, you will avoid the $3.00 fee for returned account statements.
How does interest accrue on loans? How does simple interest work?
Simple interest saves you money. It is calculated on the unpaid balance each day. If you pay off your loan early, you're only responsible for the interest that accrues until the date you pay off your loan. There is no early loan payment penalty.
If I have a credit union loan and I want to arrange a payment program, what are my options?
You can select any of the following payment methods at your convenience:
- Payroll deduction (biweekly, semimonthly or monthly)
- Monthly transfer from your Share Savings or Checking account
- Mail in your payment each month
What is First Northern's routing number?
Our routing number is 271078719.
How do I wire funds to my First Northern Credit Union account?
You need to let your financial institution know that funds are wired to Members United Corporate Federal Credit Union for further credit to First Northern Credit Union. The information is as follows:
Members United Corporate FCU
Naperville, IL
ABA# 271987635
Further Credit To: First Northern Credit Union
Routing# 271078719
Final Credit To: Member Name, Member Account Number (i.e., your name and your First Northern account number.) Please also specify S1 for share savings account or S75 for checking account.
Is there a limit to how many transactions I can perform each month? What about fees for going over the limit?
Click here for more information on Service Charges.
If I need help after regular business hours because my VISA card is lost or stolen, who should I contact?
You can contact First Northern Credit Union by phone at (888) 328-8677 Monday through Friday. If you are calling after our phone hours, you will contact the VISA toll-free customer service line at (800) 322-8472. You can report a lost or stolen card through this phone number as well as receive update on the last five transactions made by the card in question.
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