DIRECTIONS FOR FIRST NORTHERN CREDIT UNION MEMBERS | SUMMER … · Guard debt protection, a new...

First Northern Credit UnionSUPPORTING OUR COMMUNITIES ALL SUMMER LONG!

DIRECTIONSFOR FIRST NORTHERN CREDIT UNION MEMBERS | SUMMER 2017

2 | SUMMER 2017

FIND THE NEEDLE!We have a needle hidden somewhere in this newsletter (the image above is not the hidden one). Send us a private message at facebook.com/firstnortherncu by 9/30/17 stating the page and location of where we have hidden it and you could win a $25 First Northern Visa Gift Card! Good luck!

3 Thursday Night Live

Evanston Made - Featuring Kristen Neveu

4 You Asked. We Have Solutions. First Northern’s Survey Results.

5 Loan Guard

Mad City Money

6 Driving Sense™

7 Prime Rate Increased

8 First Northern Has You Covered From Coast to Coast

9 What’s On Your Bucket List?

5th Annual School Supply Drive

10 ComEd’s United Way Giving Campaign

11-12 MGIC Homebuyer Checklist

13-14 MGIC Home Maintenace Checklist

15 Locations and Hours

FNCU’s 2nd Annual Easter Egg Hunt

First Northern Cares!

16 Dog Wash for Charity

Prom Dress Drive

Rates

17 Refer a Friend

Do You LOVE First Northern Credit Union?

First Northern Credit UnionSUMMER 2017

^P4

https://www.facebook.com/firstnortherncu

3 | SUMMER 2017

Thursday Night LiveBack for its 18th year, Thursday Night Live (formerly It’s Thursday, Let’s Dance) has returned this summer for a 10-concert series to downtown Evanston. From June 15 to August 24, each Thursday night will spotlight a different music genre from Jazz and Swing to Rock and Roll and Beatles covers. Bring friends and family to enjoy an evening of live music, dancing, and relaxing. There will be giant sized games (Scrabble, Jenga, Twister, and more) and other kids activities. A couple of friendly faces from First Northern had a fun time meeting new people and handing out free swag during the July 13th event!

WHERE: 1603 Orrington Ave., Evanston, IL 60201

WEBSITE: downtownevanston.org/thursday-night-live

First Northern’s branch on Sherman Avenue got a little more colorful in June as we hosted the artwork of KRISTEN NEVEU for the annual celebration of local creatives, Evanston Made. All month, Evanston’s studios, galleries, and businesses opened their doors to showcase artistic & artisanal works created by local artists.

Neveu was born in New York, raised in Indiana and Iowa, and lived in Chicago for 10+ years, before moving to Los Angeles in 2007 to work for Warner Bros. In the summer of 2013, she moved back to Chicago to live in the city she loves. Kristen graduated from The University of Iowa with majors in Communication Studies and Anthropology. A life-long artist, she creates mixed media collages, paintings, and installations. Her work has been exhibited at many locales across the Midwest and the West Coast, and is a part of many collections.

Learn more about Kristen Neveu at kristenneveu.com or evanstonmade.com.

Evanston MadeFEATURING KRISTEN NEVEU

http://downtownevanston.org/thursday-night-live

http://kristenneveu.com

http://evanstonmade.com

4 | SUMMER 2017

In March 2017, First Northern conducted a survey as a means to gather feedback from members who do not currently have an FNCU checking account. The goal was to help First Northern understand our members’ current knowledge of the three checking accounts offered and to help us consider possible updates or eliminations of these accounts.

Many findings came from the answers, comments, and suggestions and we would like to address some of the common themes.

FINDING: Many members said that they would like to see First Northern expand and offer more branch locations and ATMs in order to be more accessible.

SOLUTION: Although there are no immediate plans to expand our branch locations, we do offer Co-Op Shared Branching to accommodate your financial needs.

Shared Branching works as a cooperative effort between First Northern and 5,000 other credit union branches nationwide. You can bank at these locations and 2,000 self-service centers just like you’re at a First Northern branch, all you need is a government ID and your First Northern member number. Visit fncu.org/find-us/find-a-branch-atm/ to find your nearest ATM or shared branch.

FINDING: Our online banking system could be better. SOLUTION: We’re getting a new one! Hold tight, we are in the process of building a brand new, easy to

use, and aesthetically pleasing online banking site. We plan to have it up and running early next year.

FINDING: You don’t like ATM fees and extra charges. SOLUTION: Don’t pay ATM fees! We have over 30,000 surcharge-free ATMs nationwide for our

members, that’s more access to your money than most traditional bank customers have! You can find these ATMs by downloading the CO-OP ATM/Shared Branch Locator app for iPhone and Android, texting a zip code to 91989, calling (888) 748-3266, or by visiting fncu.org/find-us/find-a-branch-atm/.

Using First Northern Online Banking on a regular basis is another great way to avoid unnecessary fees. Be sure to log in to ensure that you have enough funds for a purchase, transfer money from one account to another, utilize Bill Pay in order to guarantee on time payments, and take advantage of Web Payments – an easy way to pay First Northern loans with funds from another financial institution.

Lastly, you will receive up to a $25 ATM surcharge rebate every year when you open an Advantage Checking account. All you need to do is sign up for the First Northern Bill Pay and E-statements! Click here for more information and to apply.

You Asked. We Have Solutions.FIRST NORTHERN’S SURVEY RESULTS.

http://co-opcreditunions.org/locator/

https://www.fncu.org/find-us/find-a-branch-atm/


https://www.fncu.org/checking-savings/checking-accounts/overview/

5 | SUMMER 2017

First Northern is pleased to provide FINANCIAL EDUCATION opportunities to five Rockford schools! We’ve worked with 440 teens to provide them with a solid foundation of banking, budgeting, and credit basics; an important initiative that students often lack when they graduate from high school.

Along with an in-depth financial presentation, students went through a real life budgeting simulation with a mock occupation, salary, and family. They are thrown into “the real world” by going from station to station making choices and purchases needed in order to get through one month of expenses. During the project, participants make decisions that impact their monthly budget such as the type of car they’ll drive, where they’ll live, child care, and they even receive unexpected expenses. In the end, the students were very surprised at how hard it is to keep a budget!

If you or someone you know is interested in learning more about these programs, please contact our Business Development Department at (888) 328-8677.

Loan GuardPROTECT WHAT MATTERS MOST TO YOUPut your mind at ease this year by supporting your family with Loan Guard debt protection, a new program from First Northern in 2017.

Loan Guard can be YOUR SAFETY NET when the unexpected happens. Protecting your loan payments against death, disability, or involuntary unemployment could help limit your financial obligations, making life a little bit easier during a hardship.

This protection could cancel your loan balance or payments up to the contract maximums. Protect your loan payments today so you can worry a little less about tomorrow.

It’s simple to get started! Click here to fill out a short form and a Financial Service Representative will contact you within 24 business hours.

Your purchase of Loan Guard is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Loan Guard. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Mad City MoneyFINANCIAL EDUCATION OPPORTUNITIES

https://www.fncu.org/loan-guard/



https://campaign.documatix.com/DM/DPS/WebForms/Webform/624B6A1EE254D801

6 | SUMMER 2017

■ Call (888) 328-8677

■ Stop by First Northern Credit Union today

■ Go to fncu.org/loans/vehicles/driving-sense/

Or simply go directly to the Driving Sense CarBuilder calculator to see for yourself how low your vehicle loan payment can be!

TO FIND OUT MORE ABOUT DRIVING SENSE VEHICLE FINANCING:

How would you like the low monthly payments of a lease without all the heavy restrictions and hidden costs of leasing? Sound impossible? It’s not! FIRST NORTHERN CREDIT UNION’s Driving Sense vehicle financing program offers just that.

Like a lease, Driving Sense provides monthly payments which are considerably lower than conventional financing. But unlike a lease, with the Driving Sense program you own the vehicle! Other benefits of the Driving Sense program include:

■ New and pre-owned vehicles up to five-years-old qualify.

■ Flexible loan terms up to 72 months!

■ No money down, and no advance first or last payment required.

■ Yearly mileage available options: 12,000, 15,000, 18,000. Mileage options apply only if you turn in the vehicle.

■ No security deposit or acquisition fees.

■ No early payoff penalty.

■ Since the title is in YOUR name you have more options prior to loan maturity and at loan maturity. This includes the ability to turn your vehicle in and walk away at the end of the loan term.

■ Refinance your current vehicle loan to reduce your monthly payments with Driving Sense.

■ Enables you to easily upgrade and/or change your vehicle every couple of years!

Driving Sense™A LOW PAYMENT ALTERNATIVE TO LEASING

https://www.fncu.org/loans/vehicles/driving-sense/

https://secure.autofinancialgroup.com/AFG/index.jsp?CUID=99999

7 | SUMMER 2017

Oh No! Prime Rate went up to 4.25%! Will your credit card rates go up with it?

Often times they will, but NOT IF YOU HAVE A FIXED RATE VISA CREDIT CARD WITH FIRST NORTHERN!

Our cards have rates as low as 8.99% APR* and don’t change. That means that you don’t have to worry about a higher interest rate whenever the Prime Rate increases.

Ready to get your new Fixed Rate card or transfer high rate balances? Apply today!

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Prime Rate as of July 1, 2017. Rates are subject to change at any time without notice. No annual fee.

Prime Rate IncreasedBUT FIRST NORTHERN VISA® RATES ARE FIXED!

■ No Annual Fees■ Low Rates, Even on Balance Transfers■ Credit Limit Up To $20,000■ 25-Day Grace Period on Purchases■ $150,000 Automatic Travel Accident Insurance■ Worldwide Emergency Cash and Card Replacement

https://www.fncu.org/loans/visa-credit-cards/Choose/

https://apply.fncu.org/oflows/web/prodstart.seam?page=loan&newsess=false

8 | SUMMER 2017

You have more direct, surcharge-free* access to your money at First Northern than most traditional bank customers do!

With only four branches, we realize that we are not always the most accessible financial institution. We do, however, provide major accessibility to our members with a shared branching network that spans the entire U.S.

SHARED BRANCHING allows you to do your banking at other credit unions as if you were at a First Northern branch. Deposit and withdraw money, transfer money between funds, process loan payments, and ask for balance inquiries!

Our network is just one free perk of your membership and includes over 5,000 shared branches nationwide, 30,000+ surcharge free atms, and 9,000+ deposit taking ATMs. Just bring a photo ID and your membership number.

Go to fncu.org/find-us/find-a-branch-atm to see where the nearest shared branch and ATM is to you!

*Surcharge-free transactions are available for debit and ATM card holders of participating credit unions.

First Northern Has You CoveredFROM COAST TO COAST


9 | SUMMER 2017

Earn more interest with First Nothern’s Advantage Checking and be on your way to crossing off your bucket list with all that extra cash. The sky’s the limit on what you can earn!

SIGN UP TODAY to start earning a higher rate of interest, get an annual ATM surcharge rebate, and discounts on auto and home equity loans!

Go to fncu.org/checking-savings/checking-accounts/advantage-checking/ today to learn more!

What’s On Your Bucket List?THE SKY’S THE LIMIT WITH FIRST NORTHERN ADVANTAGE CHECKING!

5th Annual School Supply DriveGOING ON NOW!Many students in Rockford, Chicago, and Evanston need your help in order to make this school year successful. Can you help?

ROCKFORD Donations for Rockford Public Schools. Drop off until August 4.

EVANSTONDonations for Blessings in a Backpack. Drop off until August 21.

CHICAGO/STREETERVILLEDonations for Chicago Youth Programs. Drop off until August 31.

Click here to see the list of needed items for each organization.

https://www.fncu.org/checking-savings/checking-accounts/advantage-checking/



http://www3.rps205.com/Pages/default.aspx

http://www.blessingsinabackpack.org

http://chicagoyouthprograms.org

http://www.fncu.org/supplydrive

10 | SUMMER 2017

ComEd’s United Way Giving CampaignCOMED RAISES MONEY FOR UNITED WAY

Our Business Development team is looking forward to once again participating in ComEd’s United Way Giving Campaign at many of their facilities throughout Illinois this fall. Each facility hosts an employee party to encourage donations to the campaign. The events feature live entertainment including an Elvis impersonator, comedian, and even a cover band comprised of ComEd employees.

First Northern is proud to partake in the success of the campaign by DONATING 1% OF ALL LOANS opened by ComEd employees during the campaign period. If you are attending an event, look for our Business Development team and other First Northern representatives handing out swag and talking about the benefits of being a member of First Northern!

11 | SUMMER 2017

Homebuyer Checklist

The Neighborhood Home 1 Home 2 Home 3

Near work

Near schools

Near shopping

Near thoroughfares/expressways

Near public transportation

Near doctors/dentists

Near churches

Garbage collection

Street lights

Sidewalks

Streets/alleys well-maintained

Traffic volume

Parks

Neighbors’ property well-maintained

All utilities installed

Neighborhood covenants/restrictions

Near train tracks/airport

Area zoned residential

Near industry

Proposed special assessments

Flooding danger

Restrictive easements

Environmental concerns/influences

71-42883 3/13

The Home Home 1 Home 2 Home 3

Age of house

Number of stories

Wood frame

Brick frame

Wood and brick frame

Aluminum siding

Roof condition

Foundation condition

Overall exterior condition

Garage size

Number of bathrooms

Number of closets

Number of bedrooms

Oil heat

Gas heat

Electric heat

Hot-water heat

Insulation

Central air-conditioning

Energy-conservation features

City water and sewer

Age of heating system

Age of water heater

Capacity of water heater

Age of electrical wiring

(continued)

Home 1 Home 2 Home 3

Address

Asking price

Real estate taxes

MGIC

Homebuyer Checklist


Near work

Near schools

Near shopping




Near churches

Garbage collection

Street lights

Sidewalks


Traffic volume

Parks






Near industry


Flooding danger



71-42883 3/13


Age of house

Number of stories

Wood frame

Brick frame


Aluminum siding

Roof condition



Garage size

Number of bathrooms

Number of closets

Number of bedrooms

Oil heat

Gas heat

Electric heat

Hot-water heat

Insulation





Age of water heater



(continued)


Address

Asking price

Real estate taxes

MGIC Homebuyer Checklist


Near work

Near schools

Near shopping




Near churches

Garbage collection

Street lights

Sidewalks


Traffic volume

Parks






Near industry


Flooding danger



71-42883 3/13


Age of house

Number of stories

Wood frame

Brick frame


Aluminum siding

Roof condition



Garage size

Number of bathrooms

Number of closets

Number of bedrooms

Oil heat

Gas heat

Electric heat

Hot-water heat

Insulation





Age of water heater



(continued)


Address

Asking price

Real estate taxes

MGIC Homebuyer Checklist


Near work

Near schools

Near shopping




Near churches

Garbage collection

Street lights

Sidewalks


Traffic volume

Parks






Near industry


Flooding danger



71-42883 3/13


Age of house

Number of stories

Wood frame

Brick frame


Aluminum siding

Roof condition



Garage size

Number of bathrooms

Number of closets

Number of bedrooms

Oil heat

Gas heat

Electric heat

Hot-water heat

Insulation





Age of water heater



(continued)


Address

Asking price

Real estate taxes

MGIC

12 | SUMMER 2017

The Home (continued) Home 1 Home 2 Home 3

Plumbing condition

Estimated water and sewerage bill

Estimated heating bill

Estimated electric bill

Living room

Fireplace

Separate dining room

Family room

Drapes – number of rooms

Carpeting – number of rooms

Kitchen eating area

Refrigerator

Stove/oven (gas/electric)

Garbage disposal

Dishwasher

Broken windows

Storm windows/screens

Washer/dryer outlets

Laundry space

Finished basement

Attic

Sump pump/drainage

Connected to sewer system

Patio

Backyard fence

Landscaping

Property boundaries

Security (dead bolt locks, smoke detectors)

Building code compliance (remodels & additions)

Ability to expand or enlarge house

Notes

13 | SUMMER 2017

Home Maintenance Checklist Perio

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I. FOUNDATION & MASONRY (Basement, Exterior Walls): To prevent seepage and condensation problems.

a. Check basement for dampness & leakage after wet weather. ■

b. Check foundation walls, steps, retaining walls, walks, patios, driveways, garage floors, etc., for cracks, heaving, crumbling.

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c. Check chimneys, deteriorated chimney caps, loose and missing mortar. ■ ■

d. Maintain grading sloped away from foundation walls. ■

II. ROOFS & GUTTERS: To prevent leaks, condensation, seepage and decay.

a. Check for damaged, loose or missing shingles, blisters. ■ ■

b. Check for leaking, misaligned or damaged gutters, downspouts (leaders), hangers (straps), gutter guards and strainers.

■ ■

c. Clean gutters, leaders, strainers, window wells, drains. Be sure downspouts direct water away from foundation.

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d. Cut back tree limbs growing on or over roof. ■

e. Check antenna supports for sturdiness and possible source of leakage. ■

f. Check flashings around roof stacks, vents, skylights, chimneys, for leakage. ■ ■

g. Check vents, louvers and chimneys for birds’ nests, squirrels, insects. ■ ■

h. Check fascias and soffits for paint flaking, leakage and decay. ■

III. EXTERIOR WALLS: To prevent paint failure, decay and moisture penetration.

a. Check painted surface for paint flaking or paint failure. ■

b. Check siding, shingles and trim for damage, looseness, warping and decay. ■

c. Check exterior masonry walls for cracks, looseness, missing or broken mortar. ■

d. Cut back and trim shrubbery against sidewalls. ■ ■

IV. DOOR AND WINDOWS: To prevent air and weather penetration problems.

a. Check caulking and check for decay around doors, windows, corner boards, joints; recaulk as needed. ■

b. Check glazing putty around windows. ■

c. Check weatherstripping. ■

(continued)

71-42882 3/13

MGIC

Home Maintenance Checklist from the American Society of Home Inspectors

Because of the general nature of this advice and the individual application thereof, neither the American Society of Home Inspectors nor its members assumes any responsibility for any loss, cost, damage, injury or expense that may be incurred or suffered as a result of the use of this information.


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71-42882 3/13

MGIC




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71-42882 3/13

MGIC



14 | SUMMER 2017

Home Maintenance Checklist (continued) Perio

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V. ELECTRICAL: For safe electrical performance.

a. Learn location of electrical panel box for breakers or fuses. Never overfuse.

b. Trip circuit breakers every 6 months; ground fault interruptors (GFI), monthly. ■

c. Mark and label each circuit. ■

d. Check condition of lamp cords, extension cords and plugs. Replace at first sign of wear and damage. ■

e. Check exposed wiring and cable for wear or damage. ■

f. If fuses blow or breakers trip frequently, call a licensed electrician. ■

g. If you experience slight tingling shock from handling or touching an appliance, disconnect the appliance & have it repaired. If lights flicker or dim, or if appliances go on and off unnecessarily, call a licensed electrician.

■

VI. PLUMBING: For preventive maintenance.

a. Check faucets, hose bibbs and valves for leakage. ■

b. Drain exterior water lines, hose bibbs, sprinklers, pool equipment in the fall. ■

c. Check for leaks at sink, house traps and sewer cleanouts. ■

d. Draw off sediment in water heaters monthly or per manufacturer’s instructions. ■

e. Have septic tank cleaned every 2 years. ■

VII. HEATING & COOLING: For comfort, efficiency, energy conservation and safety.

a. Change/clean furnace filters, air conditioner filters, electronic filters as needed. ■

b. Clean and service humidifier. ■

c. Have oil-burning equipment serviced annually. ■

d. Clean around heating & cooling equipment. Remove leaves, dust, overgrown shrubbery, debris. Be sure power is off! ■

e. On steam systems, “blow off” or drain low water cutoff per manufacturer’s instructions or instruction tag. ■

VIII. INTERIOR: General house maintenance.

a. Check bathroom tile joints, tub grouting & caulking. Be sure all tile joints in bathrooms are kept well-sealed with tile grout to prevent damage to walls, floors and ceilings below. ■

b. To prevent freezing, keep garage doors closed in winter; wrap exposed waterlines & drains with insulation. ■

c. Close crawl vents in winter and open in summer. ■ ■

d. Check underside of roof for water stains, leaks, dampness & condensation, particularly in attics and around chimneys. ■

e. Keep attic louvers & vents open all year round. Check louver screening. ■

IX. Know the location of:

a. The main water shutoff valve.

b. The main electrical disconnect or breaker.

c. The main emergency shutoff for the heating system.


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71-42882 3/13

15 | SUMMER 2017

FNCU’s 2nd Annual Easter Egg Hunt2017 WAS A “HOPPIN’ ” YEAR!

Loop Branch230 West Monroe Street, Suite 2850Chicago, IL 60606Phone: (312) 332-6357Fax: (312) 853-0588

Streeterville Branch 541 North Fairbanks Court, Suite 120Chicago, IL 60611Phone: (312) 527-2755Fax: (312) 527-2759

Lobby Hours:M/T/Th/F: 8:00 a.m.- 4:30 p.m.W: 9:30 a.m. - 4:30 p.m.

ATMs: Galter Pavilion, 2nd Floor; 541 N. Fairbanks Court (Lower Level)

Evanston Branch1705 Sherman AvenueEvanston, IL 60201Phone: (847) 332-0240Fax: (847) 332-0244

Lobby Hours:M/T/Th: 8:30 a.m. - 5:00 p.m.W: 9:30 a.m. - 5:00 p.m.F: 8:30 a.m. - 6:00 p.m.S: 9:00 a.m. - 12:00 p.m.

24-Hour ATM

Rockford Branch104 North Show Place DriveRockford, IL 61107Phone: (815) 332-9898 Fax: (815) 332-8935

24-Hour Drive-Up ATM

Lobby & Drive-Up Hours:M/T/Th: 8:30 a.m. - 5:00 p.m.W: 9:30 a.m. - 5:00 p.m.F: 8:30 a.m. - 6:00 p.m.S: 9:00 a.m. - 12:00 p.m.

Phone Hours: M/T/Th/F: 7:00 a.m. - 5:00 p.m. W: 9:30 a.m. - 5:00 p.m. 888.328.8677

Can’t make it to one of our branches? Find over 5,000 Shared Branching locations worldwide at www.fncu.org.

Locations and Hours

First Northern CaresWE’RE COMMITTED TO OUR COMMUNITY!The CHICAGO CARES SERVE-A-THON is the largest single day of community service in Chicago when more than 5,000 volunteers come together to transform neighborhoods and schools throughout the city of Chicago.

On June 24, First Northern employees teamed up with three busloads of Northwestern Medicine volunteers and were taken to Al Raby High School in Chicago’s Garfield Park. Together they made murals, put together a mosaic, organized the library, built benches, and landscaped, amongst several other projects.

Principal Dr. Femi Skanes spoke about the importance of beautifying the high school in order to give the students an uplifting and motivating space to spend part of their day, which is something that many of the teens don’t have at home. The volunteers transformed the school, in just one afternoon, into a brighter, happier place for the students to thrive.

We had OVER 1,000 EGGS AND PLENTY OF KIDS to help find them!

Kids met the Easter bunny, took pictures in the photo booth, enjoyed some arts and crafts, and indulged in delicious Easter treats while Steve Summers from 95.3, The Bull entertained with a live radio remote broadcast.

It was a beautiful spring morning spent with our members and friends. Thank you to all who came out!

16 | SUMMER 2017

Rates

†

SHARE DEPOSITSAll share rates listed in APY (Annual Percentage Yield)

All Savings Accounts ($25,000 and above) ..................0.15% APY

($2,500 - $24,999) ......................0.10% APY

($5 - $2,499) ..................................0.10% APY*Subject to change. Yields for all share savings accounts (above) are decided quarterly by the Board of Directors. Dividends are paid retroactively and are based on earnings for the period. The dividend yield listed is for the period ending 6/30/17. Yields for other deposit products (below) are declared and paid monthly.

Share Draft Checking (Advantage) .........................................1.00% APY

(Preferred)...........................................0.05% APY

(Value Now Free Checking) .................0.00% APY*Subject to change. For Advantage Checking, an Average Daily Balance between $.01 and $7,500 currently earns 1.00% APY and all portions above $7,500 currently earn 0.01% APY. Rates effective as of 6/30/17. † Non-interest bearing checking account. Complete checking account features and requirements available at www.fncu.org or speak with a Financial Service Advisor.

APR* FOR LOANSNEW VEHICLE LOANSUp to 29 months^ ...................................................................... 1.99% APR*

30-41 months^ ............................................................................2.49% APR*

42-53 months^ ...........................................................................2.79% APR*

54-65 months^ ...........................................................................2.99% APR*

66-84 months^ ........................................................................... 3.99% APR*

USED VEHICLE LOANS (seven model years or newer)Up to 62 months^ .....................................................................2.99% APR*

63 to 66 months^ ...................................................................... 3.49% APR*

67 to 72 months^ ....................................................................... 3.99% APR*

*APR = Annual Percentage Rate. 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. ^Financing terms are up to 72 months, but may be less based on several factors including, but not limited to, your credit standing, the vehicle’s value, the loan amount, the term remaining on your existing loan, and the mileage and/or age of the vehicle. Repayment example: 3.99% APR for 66 months is $16.91 per $1,000 borrowed.

SHARE SECURED LOANS as low as ...............................3.99% APR*

STOCK SECURED LOANS as low as ...............................6.79% APR**APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Repayment examples: Share Secured is 3.99% APR for 24 months is $43.42 per $1,000 borrowed and Stock Secured is 6.79% APR for 24 months is $44.68 per $1,000 borrowed.

UNSECURED LOANSUp to 60 months ........................................................................9.99% APR**APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Repayment examples: 9.99% APR for 36 months $32.26 per $1,000 borrowed.

HOME EQUITY LOANS7-year fixed Home Access Loan ..........................................8.49% APR*

5-year fixed ..................................................................................3.99% APR*

10-year fixed ................................................................................4.99% APR*

15-year fixed ................................................................................5.49% APR**APR = Annual Percentage Rate. Home equity loans are available on Illinois residences only. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Fixed-rate repayment example: 4.99% APR for 120 months is $10.60 per $1,000 borrowed. Loan subject to terms and qualifications.

HOME EQUITY LINES OF CREDITHome Equity Line of Credit .................................................... 4.00%** APR*

Home Access Line of Credit ................................................7.00%** APR*

For current mortgage rates, contact a First Northern Loan Officer.*APR = Annual Percentage Rate. Home Equity Line of Credit carries a variable rate, loans are sub-ject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restric-tions. Rates are subject to change. The rate is set and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal plus a margin of .50% for Home Equity Loan and 2.00% for Home Access Loan. Your margin may vary based on your credit qualifications. As of 6/30/17 the Prime Rate as 3.25% APR.**These reflect product floor rates and are higher than the index + margin at the time of printing.

VISA CREDIT CARDSPlatinum rate; no annual fee................................................8.99% APR*

Platinum Premier rate; no annual fee ..............................10.25% APR*

Classic rate; no annual fee................................................. 12.25% APR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. No annual fee.

Dog WashFOR CHARITYFirst Northern hosted its 13th Annual Dog Wash for Charity on June 3 with our friends, Lou Bachrodt Auto Group of Rockford. All proceeds benefitted Kibble Korner Pet Food Pantry and the Rockford Career College Vet Tech Program.

133 dog washes, 105 nail trims, 50 grab bags sold, 50/50 raffle, silent auctions, other raffles and DONATIONS ALL TOTALED $5,601.25 for charity! Thank you to everyone who stopped by!

First Northern hosted its most successful Prom Dress Drive in its four year history collecting over 100 dresses, 32 pairs of shoes, and numerous accessories!

Each spring, First Northern partners with BECCA’S CLOSET of Rockford and DREAMS DELIVERED in Evanston as an initiative to help lower the high cost prom for teens that may not otherwise be able to attend. Combined, these two organizations make prom possible for over 1,000 girls each year!

Every April, the Women’s Club of Evanston transforms its historic clubhouse into the Dreams Delivered Prom Boutique with the help of local businesses that serve as drop off locations to collect donations. The boutique then outfits Evanston Township High School girls with prom attire, makeup, and hair consultations, free of charge, for their big night.

The Rockford chapter of Becca’s Closet also serves as a boutique that collects and distributes formal wear free of charge to young women from Rockford and surrounding communities for proms, homecomings, and other special events like winter formals. Rockford Area Lutheran Ministries, a partnership organization of area ELCA congregations, operates the chapter.

Becca’s Closet regularly accepts clean, nearly new formal dresses, shoes, and accessories at their boutique located inside of Lutheran Church of the Good Shepherd at 1829 N. Rockton Ave. in Rockford, IL.

Prom Dress DriveDREAMS DELIVERED PROM BOUTIQUE

http://www.wcofe.org/premier-events/dreams-delivered

http://www.beccascloset.org/

©2017 193434 LKCS • www.lk-cs.com

You might not be too crazy about your son-in-law, but he’s family and you want to make sure he’s making the right financial decisions. So send him to us!

We’ll then give you and the person you refer each $50!*

PROMO CODE: REFERTHEM

*Must reference promotional code “REFERTHEM” at account opening. First Northern will give Referrer and Referral $50 each. To qualify, the Referrer must be a member of First Northern. The Referral cannot be a current or former member of First Northern and must meet our field of membership requirements. Referrer and Referral must be at least 18 years of age. The Referral must do one of the following within the first three months of membership: 1. Open a First Northern Value Now, Preferred or Advantage Checking account with a minimum of $500 monthly recurring Direct Deposit. The first Direct Deposit must be in the new member Checking Account within 60 days of account opening; See www.fncu.org for checking account details and requirements; 2. Open a new or used auto loan in the amount of $15,000 or more; 3. Open a First Northern Visa Credit Card with a $1,000 balance transfer or $1,000 in purchases within the first three months of opening; or 4. Open a home equity loan or mortgage of $25,000 or more. $50 incentives will be deposited into Referrer and Referral savings accounts within 60 days of account opening and requirements being met. Not valid on account conversions or in combination with any other offer. Offer expires 12/31/2017. Federally insured by NCUA. Equal Housing Lender.

Refer a FriendWE’LL THEN GIVE YOU AND THE PERSON YOU REFER EACH $50!*

Do You LOVEFIRST NORTHERN CREDIT UNION?Then SHARE THE LOVE by liking us on Facebook and reviewing us on Yelp!

https://www.fncu.org/

https://www.facebook.com/firstnortherncu

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DIRECTIONS FOR FIRST NORTHERN CREDIT UNION MEMBERS | SUMMER … · Guard debt protection, a new...

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