Credit union · NCUA insured
First Northern Credit Union Auto Loan Rates
First Northern Credit Union auto loans start at 5.54% APR for a new vehicle and 5.79% for a used one. Rates checked October 16, 2026.
How First Northern Credit Union’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Northern Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First Northern Credit Union
5.54%APR
- Terms
- 54–65 months
- Discount
- None included
New Auto Loans
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
First Northern Credit Union auto loan score
68
Auto loan score
Higher than 22% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.79%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First Northern Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Driving Sense New Vehicles
Lease-alternative financing for new vehicle purchase or refinance, including refinance of an existing First Northern loan. No down payment. One-time $895 program fee may be paid upfront or financed. GAP included at no additional cost. High Priced Vehicle Surcharge may apply based on MSRP and varies by term. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 29 months | 4.84% | As low as; purchase or refinance. Term up to 29 months. $895 one-time program fee. |
| 30–41 months | 5.04% | As low as; purchase or refinance. $895 one-time program fee. |
| 42–53 months | 5.34% | As low as; purchase or refinance. $895 one-time program fee. |
| 54–65 months | 5.54% | As low as; purchase or refinance. $895 one-time program fee. |
| 66–72 months | 6.04% | As low as; purchase or refinance. Retail value must be greater than $15,000. $895 one-time program fee. |
Sources (3)
- fncu.org/Rates/Loan-Rates
- fncu.org/Borrow/Vehicle-Loans/Auto-Loans
- fncu.org/Borrow/Vehicle-Loans/Driving-Sense
All captured Oct 16, 2026
Driving Sense Pre-Owned Vehicles
Lease-alternative financing for pre-owned vehicles 5 model years or newer; purchase or refinance, including refinance of an existing First Northern loan. No down payment. One-time $895 program fee may be paid upfront or financed. GAP included at no additional cost. High Priced Vehicle Surcharge may apply. Subject to credit approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 62 months | 5.79% | As low as; 5 model years or newer; purchase or refinance. Term up to 62 months. $895 one-time program fee. |
| 63–66 months | 6.09% | As low as; 5 model years or newer; purchase or refinance. $895 one-time program fee. |
| 67–72 months | 6.29% | As low as. Retail value must be greater than $15,000 and vehicle must be 5 model years old or newer. $895 one-time program fee. |
Sources (3)
- fncu.org/Rates/Loan-Rates
- fncu.org/Borrow/Vehicle-Loans/Auto-Loans
- fncu.org/Borrow/Vehicle-Loans/Driving-Sense
All captured Oct 16, 2026
New Auto Loan Refinancing
Promotional APR for refinancing current and 1-year prior model year vehicles from another lender only. Limited-time offer. Existing First Northern vehicle loans, Driving Sense, LendPro, First-time Car Buyer Program, Credit Rebuilder vehicle loan, Miscellaneous Collateral, and RateGenius loans do not qualify. Not valid with any other offers or discounts. Refinance up to 100% of vehicle value. No payments for 90 days available on conventional auto refinance only (not Driving Sense); interest accrues from disbursal.
| Terms | APR | Conditions |
|---|---|---|
| up to 29 months | 4.59% | Promotional as-low-as APR; refinance from another lender. Term up to 29 months. Lowest rate for highly qualified applicants. |
| 30–41 months | 4.79% | Promotional as-low-as APR; refinance from another lender. |
| 42–53 months | 5.09% | Promotional as-low-as APR; refinance from another lender. |
| 54–65 months | 5.29% | Promotional as-low-as APR; refinance from another lender. |
| 66–72 months | 5.79% | Promotional as-low-as APR; refinance from another lender. |
Sources (2)
All captured Oct 16, 2026
New Auto Loans
Purchase rates as low as published APR; subject to credit approval and lender criteria. A 0.25% APR discount off the published non-promotional auto loan rate is available with a Money Market Yield account, direct deposit of any amount into Advantage Checking, or direct deposit of $500+/month into Preferred Checking.
| Terms | APR | Conditions |
|---|---|---|
| up to 29 months | 4.84% | As low as; term up to 29 months. Rate determined at application and may be higher. |
| 30–41 months | 5.04% | As low as. Rate determined at application and may be higher. |
| 42–53 months | 5.34% | As low as. Rate determined at application and may be higher. |
| 54–65 months | 5.54% | As low as. Rate determined at application and may be higher. |
| 66–72 months | 6.04% | As low as. Retail value must be greater than $15,000. |
| 73–84 months | 6.54% | As low as. Retail value and loan amount must be greater than $25,000. |
Sources (2)
All captured Oct 16, 2026
Pre-Owned Auto Loan Refinancing
Promotional APR for refinancing vehicles up to 7 model years old from another lender only. Limited-time offer. Existing First Northern vehicle loans, Driving Sense, LendPro, First-time Car Buyer Program, Credit Rebuilder vehicle loan, Miscellaneous Collateral, and RateGenius loans do not qualify. Not valid with any other offers or discounts. Refinance up to 100% of vehicle value. No payments for 90 days available on conventional auto refinance only (not Driving Sense); interest accrues from disbursal.
| Terms | APR | Conditions |
|---|---|---|
| up to 62 months | 5.54% | Promotional as-low-as APR; refinance from another lender. Term up to 62 months. Lowest rate for highly qualified applicants. |
| 63–65 months | 5.84% | Promotional as-low-as APR; refinance from another lender. |
| up to 66 months | 5.84% | Promotional as-low-as APR; refinance from another lender; 66-month term. |
| 67–72 months | 6.04% | Promotional as-low-as APR; refinance from another lender. |
Sources (2)
All captured Oct 16, 2026
Pre-Owned Auto Loans
For vehicles 7 model years or newer. Subject to credit approval. A 0.25% APR discount off the published non-promotional auto loan rate is available with a Money Market Yield account, direct deposit of any amount into Advantage Checking, or direct deposit of $500+/month into Preferred Checking.
| Terms | APR | Conditions |
|---|---|---|
| up to 62 months | 5.79% | As low as; term up to 62 months. Rate determined at application and may be higher. |
| 63–66 months | 6.09% | As low as. Rate determined at application and may be higher. |
| 67–72 months | 6.29% | As low as. Retail value must be greater than $15,000. |
| 73–84 months | 6.79% | As low as. Retail value must be greater than $25,000 and vehicle must be 3 model years old or newer. |
Sources (2)
All captured Oct 16, 2026
Pre-Owned Auto Loans (8 model years or older)
For pre-owned vehicles 8 model years or older. Subject to credit approval. A 0.25% APR discount off the published non-promotional auto loan rate is available with a Money Market Yield account, direct deposit of any amount into Advantage Checking, or direct deposit of $500+/month into Preferred Checking.
| Terms | APR | Conditions |
|---|---|---|
| up to 66 months | 7.79% | As low as; retail value $10,000+. |
Sources (2)
All captured Oct 16, 2026
Who can join First Northern Credit Union
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