First Northern Credit Union Savings & Money Market Rates

How First Northern Credit Union’s savings 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
0.85%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$85
Money Market Demand
Top rate
Justice Federal Credit Union
4.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$400
Justice Federal Credit Union rates
2nd-highest rate
United Trust Bank
3.90%APY
Requires
None
Minimum
$10,000
Earns on $10,000 a year
$390
United Trust Bank rates

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Savings score

Higher than 64% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0000.85%
$100,000 balance$100,0001.75%
QualifiedQualified0.85%

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.

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Where First Northern Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Yield

0.10%APY

Must maintain the minimum average daily balance to obtain the disclosed APY. Yields declared quarterly by the Board of Directors; dividends paid retroactively based on earnings. Listed APYs are for the period ending 2026-06-30. No monthly maintenance fee if minimum average daily balance is met ($25,000). Up to 6 withdrawals/transfers per month; no more than 3 of those by check, draft, or similar order. 0.25% APR rate discount on auto loans or Home Equity Loans with this account; some restrictions; does not include discounts on promotional rates.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000APY for $0–$24,999.99. This balance is below the $25,000 ADB required to avoid the $15 monthly minimum-balance fee and to obtain the disclosed APY; $20 annual fee if average annual daily balance falls below the required minimum.	0.10%	$10	APY for $0–$24,999.99. This balance is below the $25,000 ADB required to avoid the $15 monthly minimum-balance fee and to obtain the disclosed APY; $20 annual fee if average annual daily balance falls below the required minimum.
$25,000 – $50,000APY for $25,000–$49,999.99. $15 monthly fee if ADB falls below $25,000 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum. Must maintain minimum ADB to obtain disclosed APY.	1.40%	—	APY for $25,000–$49,999.99. $15 monthly fee if ADB falls below $25,000 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum. Must maintain minimum ADB to obtain disclosed APY.
$50,000 – $100,000APY for $50,000–$99,999.99. $15 monthly fee if ADB falls below $25,000 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum. Must maintain minimum ADB to obtain disclosed APY.	1.65%	—	APY for $50,000–$99,999.99. $15 monthly fee if ADB falls below $25,000 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum. Must maintain minimum ADB to obtain disclosed APY.
$100,000 and upAPY for $100,000 and above. $15 monthly fee if ADB falls below $25,000 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum for the year. Must maintain minimum ADB to obtain disclosed APY.	1.75%	—	APY for $100,000 and above. $15 monthly fee if ADB falls below $25,000 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum for the year. Must maintain minimum ADB to obtain disclosed APY.

Sources (3)

All captured Sep 25, 2026

Money Market Demand

0.85%APY

Must maintain the minimum average daily balance to obtain the disclosed APY. Yields declared quarterly by the Board of Directors; dividends paid retroactively based on earnings. Listed APYs are for the period ending 2026-06-30. No monthly maintenance fee if minimum average daily balance is met ($2,500). Up to 6 withdrawals/transfers per month; no more than 3 of those by check, draft, or similar order. Convenient check writing with free standard checks for life.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500APY for $0–$2,499.99. This balance is below the $2,500 ADB required to avoid the $15 monthly minimum-balance fee and to obtain the disclosed APY; $20 annual fee if average annual daily balance falls below the required minimum.	0.05%	—	APY for $0–$2,499.99. This balance is below the $2,500 ADB required to avoid the $15 monthly minimum-balance fee and to obtain the disclosed APY; $20 annual fee if average annual daily balance falls below the required minimum.
$2,500 – $25,000APY for $2,500–$24,999.99. $15 monthly fee if ADB falls below $2,500 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum. Must maintain minimum ADB to obtain disclosed APY.	0.85%	$85	APY for $2,500–$24,999.99. $15 monthly fee if ADB falls below $2,500 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum. Must maintain minimum ADB to obtain disclosed APY.
$25,000 and upAPY for $25,000 and above. $15 monthly fee if average daily balance falls below $2,500 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum for the year. Must maintain minimum ADB to obtain disclosed APY.	1.15%	—	APY for $25,000 and above. $15 monthly fee if average daily balance falls below $2,500 during a statement cycle; $20 annual fee if average annual daily balance falls below the required minimum for the year. Must maintain minimum ADB to obtain disclosed APY.

Sources (3)

All captured Sep 25, 2026

Share Savings & Special Purpose Savings Accounts

0.25%APY$5 to open

Must maintain the account's minimum average daily balance to obtain the disclosed APY. Yields for share savings are declared quarterly by the Board of Directors; dividends are paid retroactively based on earnings for the period. The dividend yield listed is for the period ending 9/30/2026. No monthly maintenance fee. During any month, no more than six withdrawals or transfers to another credit union account or a third party by preauthorized, automatic, or computer transfer or telephonic order or instruction; no more than three of the six may be by check, draft, or similar order. Exceeding limits may incur an over transaction volume limit fee or account closure. Inactive Account fee $9.00/month after 90+ days inactivity for members with only a Share Savings Account and average daily balance under $500. Early closure of membership account $15.00 if closed within 90 days of opening.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.25%	—	Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.
$2,500 – $25,000Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.25%	$25	Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.
$25,000 and upBalance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.25%	—	Balance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.

Sources (3)

All captured Oct 6, 2026

Special-purpose accounts

Compass Club Savings

0.15%APYKids and teens$5 to open

For ages 13-18. Joint ownership for parent/legal guardian. Earn dividends on all balances. Parent/legal guardian can view and transfer money into the teen's account. Must maintain the account's minimum average daily balance to obtain the disclosed APY. Yields for share savings are declared quarterly by the Board of Directors; dividends are paid retroactively based on earnings for the period. Dividend yield listed is for the period ending 2026-06-30. No monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 13-18.	0.10%	—	Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 13-18.
$2,500 – $25,000Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 13-18.	0.15%	$15	Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 13-18.
$25,000 and upBalance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 13-18.	0.20%	—	Balance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 13-18.

Sources (2)

All captured Oct 6, 2026

Coverdell ESA Share Savings

0.15%APYIRA$5 to open

Shares the Traditional IRA, Roth IRA, and Coverdell ESA Share Savings APY schedule. Open with as little as $5.00. Withdrawals and deposits without penalty for qualified education expenses. Dividends paid and compounded monthly. Must maintain the account's minimum average daily balance to obtain the disclosed APY. Yields for share savings are declared quarterly by the Board of Directors; dividends are paid retroactively based on earnings for the period. Dividend yield listed is for the period ending 2026-06-30. Consult a tax professional.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.10%	—	Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.
$2,500 – $25,000Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.15%	$15	Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.
$25,000 and upBalance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.20%	—	Balance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.

Sources (2)

All captured Oct 6, 2026

Moola Moose Club Savings

0.15%APYKids and teens$5 to open

For ages 12 and under. Joint ownership for parent/legal guardian. Earn dividends on all balances. Parent/legal guardian can view and transfer money into the child's account. Must maintain the account's minimum average daily balance to obtain the disclosed APY. Yields for share savings are declared quarterly by the Board of Directors; dividends are paid retroactively based on earnings for the period. Dividend yield listed is for the period ending 2026-06-30. No monthly maintenance fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 12 and under.	0.10%	—	Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 12 and under.
$2,500 – $25,000Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 12 and under.	0.15%	$15	Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 12 and under.
$25,000 and upBalance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 12 and under.	0.20%	—	Balance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY. Ages 12 and under.

Sources (2)

All captured Oct 6, 2026

Traditional IRA, Roth IRA Share Savings

0.15%APYIRA$5 to open

Traditional and Roth IRA share savings share this APY schedule. Open with as little as $5.00. Withdrawals and deposits without penalty (tax rules may still apply; consult a tax professional). Traditional: dividends paid and compounded monthly. Roth: interest paid and compounded monthly. Must maintain the account's minimum average daily balance to obtain the disclosed APY. Yields for share savings are declared quarterly by the Board of Directors; dividends are paid retroactively based on earnings for the period. Dividend yield listed is for the period ending 2026-06-30.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.10%	—	Balance $5 - $2,499.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.
$2,500 – $25,000Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.15%	$15	Balance $2,500 - $24,999.99. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.
$25,000 and upBalance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.	0.20%	—	Balance $25,000 and above. Must maintain the minimum average daily balance requirement to obtain the disclosed APY.

Sources (2)

All captured Oct 6, 2026

Who can join First Northern Credit Union

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How First Northern Credit Union’s savings rates compare

First Northern Credit Union savings score

Current savings rates

Money Market Yield

Money Market Demand

Share Savings & Special Purpose Savings Accounts

Special-purpose accounts

Compass Club Savings

Coverdell ESA Share Savings

Moola Moose Club Savings

Traditional IRA, Roth IRA Share Savings

Who can join First Northern Credit Union