Credit union · NCUA insured
First Northern Credit Union Credit Card Rates
First Northern Credit Union credit cards start at 14.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How First Northern Credit Union’s credit card rates compare
Compared with banks and credit unions near Chicago, IL-IN, where First Northern Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
First Northern Credit Union
14.99%APR
- Up to
- 16.50% APR
Visa Platinum
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
Chiphone Federal Credit Union
7.90%APR
- Up to
- —
First Northern Credit Union credit card score
62
Credit card score
Higher than 6% of U.S. banks and credit unions
- Purchase APRPurchase APR14.99%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
CreditSense Visa
Contact the credit union to apply. Subject to credit approval; rate determined at application from lender credit criteria. Rate table caption covers purchases, balance transfers, and cash advances. A 2.0% balance transfer fee applies to each balance transfer.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 24.99% | None | Applies to purchases, balance transfers, and cash advances. Subject to credit approval. 2.0% balance transfer fee applies. |
Sources (1)
- fncu.org/Rates/Loan-Rates · captured Oct 6, 2026
Visa Classic
Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval; rate determined at application from lender credit criteria. Credit lines up to $4,500. A 2.0% balance transfer fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.25%–22.75% | None | Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval. 2.0% balance transfer fee applies. |
Sources (2)
All captured Oct 6, 2026
Visa Platinum
Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval; rate determined at application from lender credit criteria. Credit lines up to $30,000. A 2.0% balance transfer fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.99%–16.50% | None | Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval. 2.0% balance transfer fee applies. |
Sources (2)
All captured Oct 6, 2026
Visa Platinum Premier
Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval; rate determined at application from lender credit criteria. Credit lines up to $30,000. Earn 1 ScoreCard Rewards Point per dollar spent on all purchases. A 2.0% balance transfer fee applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.25%–17.75% | None | Non-variable APR. Same low rate for purchases, balance transfers, and cash advances. Subject to credit approval. 2.0% balance transfer fee applies. |
Sources (2)
All captured Oct 6, 2026
Who can join First Northern Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.