Credit union · NCUA insured
First Northern Credit Union CD Rates
First Northern Credit Union’s best CD rate is 4.10% APY on a 15-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How First Northern Credit Union’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Northern Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
First Northern Credit Union
4.10%APY
- Term
- 15 months
- Minimum
- $2,500
- Earns on $10,000
- $515
Share Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
First Northern Credit Union CD score
83
CD score
Higher than 64% of U.S. banks and credit unions
- 3–8 months3–8 mo1.80%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Northern Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 4.10%APY · 8 terms
Must maintain the minimum average daily balance of the account to obtain the disclosed APY. Yields declared and paid monthly. Open with as little as $2,500. Special offers for new money. Early withdrawal may require closing the certificate and may incur a penalty.
| Term | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsJumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 2.25% | —2.25% from $50k | — |
| 6 monthsShare Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 1.80% | — | — | 1.80% | $90 |
| 6 monthsShare Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 2.10% | — | —2.10% $25k–$50k | — |
| 12 monthsJumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 2.50% | —2.50% from $50k | — |
| 12 monthsShare Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 1.95% | — | — | 1.95% | $195 |
| 12 monthsShare Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 2.35% | — | —2.35% $25k–$50k | — |
| 15 monthsNew money only. Jumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 4.10% | —4.10% from $50k | — |
| 15 monthsNew money only. Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 4.10% | — | — | 4.10% | $515 |
| 15 monthsNew money only. Share Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 4.10% | — | —4.10% $25k–$50k | — |
| 18 monthsJumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 2.60% | —2.60% from $50k | — |
| 18 monthsShare Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 2.00% | — | — | 2.00% | $301 |
| 18 monthsShare Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 2.45% | — | —2.45% $25k–$50k | — |
| 24 monthsJumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 3.00% | —3.00% from $50k | — |
| 24 monthsShare Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 2.05% | — | — | 2.05% | $414 |
| 24 monthsShare Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 2.50% | — | —2.50% $25k–$50k | — |
| 30 monthsNew money only. Jumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 3.75% | —3.75% from $50k | — |
| 30 monthsNew money only. Share Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 3.75% | — | — | 3.75% | $964 |
| 30 monthsNew money only. Share Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 3.75% | — | —3.75% $25k–$50k | — |
| 36 monthsJumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 3.25% | —3.25% from $50k | — |
| 36 monthsShare Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 2.50% | — | — | 2.50% | $769 |
| 36 monthsShare Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 2.75% | — | —2.75% $25k–$50k | — |
| 60 monthsJumbo Share Certificates $50,000+. Must maintain the minimum average daily balance to obtain the disclosed APY | — | — | 3.75% | —3.75% from $50k | — |
| 60 monthsShare Certificates $2,500 - $24,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | 2.75% | — | — | 2.75% | $1,453 |
| 60 monthsShare Certificates $25,000 - $49,999.99. Must maintain the minimum average daily balance to obtain the disclosed APY | — | 3.25% | — | —3.25% $25k–$50k | — |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Traditional & Roth IRA Share Certificates
Up to 2.75%APY · 6 terms
Traditional and Roth tax wrappers share this rate schedule. Terms from 6 months to 5 years. Automatically renews at maturity unless otherwise requested. Dividends paid and compounded monthly. Must maintain the minimum average daily balance to obtain the disclosed APY.
| Term | APY · $2,500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsTraditional & Roth IRA Share Certificates $2,500 - $24,999.99 | 1.80% | — | — | 1.80% | $90 |
| 6 monthsTraditional & Roth IRA Share Certificates $25,000 - $49,999.99 | — | 2.10% | — | —2.10% $25k–$50k | — |
| 6 monthsTraditional & Roth IRA Share Certificates $50,000+ | — | — | 2.25% | —2.25% from $50k | — |
| 12 monthsTraditional & Roth IRA Share Certificates $2,500 - $24,999.99 | 1.95% | — | — | 1.95% | $195 |
| 12 monthsTraditional & Roth IRA Share Certificates $25,000 - $49,999.99 | — | 2.35% | — | —2.35% $25k–$50k | — |
| 12 monthsTraditional & Roth IRA Share Certificates $50,000+ | — | — | 2.50% | —2.50% from $50k | — |
| 18 monthsTraditional & Roth IRA Share Certificates $2,500 - $24,999.99 | 2.00% | — | — | 2.00% | $301 |
| 18 monthsTraditional & Roth IRA Share Certificates $25,000 - $49,999.99 | — | 2.45% | — | —2.45% $25k–$50k | — |
| 18 monthsTraditional & Roth IRA Share Certificates $50,000+ | — | — | 2.60% | —2.60% from $50k | — |
| 24 monthsTraditional & Roth IRA Share Certificates $2,500 - $24,999.99 | 2.05% | — | — | 2.05% | $414 |
| 24 monthsTraditional & Roth IRA Share Certificates $25,000 - $49,999.99 | — | 2.50% | — | —2.50% $25k–$50k | — |
| 24 monthsTraditional & Roth IRA Share Certificates $50,000+ | — | — | 3.00% | —3.00% from $50k | — |
| 36 monthsTraditional & Roth IRA Share Certificates $2,500 - $24,999.99 | 2.50% | — | — | 2.50% | $769 |
| 36 monthsTraditional & Roth IRA Share Certificates $25,000 - $49,999.99 | — | 2.75% | — | —2.75% $25k–$50k | — |
| 36 monthsTraditional & Roth IRA Share Certificates $50,000+ | — | — | 3.25% | —3.25% from $50k | — |
| 60 monthsTraditional & Roth IRA Share Certificates $2,500 - $24,999.99 | 2.75% | — | — | 2.75% | $1,453 |
| 60 monthsTraditional & Roth IRA Share Certificates $25,000 - $49,999.99 | — | 3.25% | — | —3.25% $25k–$50k | — |
| 60 monthsTraditional & Roth IRA Share Certificates $50,000+ | — | — | 3.75% | —3.75% from $50k | — |
Sources (2)
All captured Oct 16, 2026
Coverdell ESA Share Certificates
Up to 2.75%APY · 6 terms
Terms from 6 months to 5 years. Open with as little as $500. Automatically renews at maturity unless otherwise requested; if not renewed, funds must roll over into another Coverdell ESA or a tax penalty may apply. Contribute up to $2,000 a year until age 18. Dividends paid and compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.80% | $90 |
| 12 months | 1.95% | $195 |
| 18 months | 2.00% | $301 |
| 24 months | 2.05% | $414 |
| 36 months | 2.50% | $769 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Oct 16, 2026
Who can join First Northern Credit Union
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