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    Home state: Illinois
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    FIRST NORTHERN mortgage rates

    FIRST NORTHERN's lowest publicly advertised 30-year fixed rate today is 7.042% APR — the national average is 7.147%. That's about $10,193 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read FIRST NORTHERN's rates every weekday, starting around 11 a.m. Central.

    We last read FIRST NORTHERN's rates page on Nov 2, 2026.

    Today's rates from FIRST NORTHERN

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.042%0Nov 2, 2026Visit
    15 Year Fixed6.5%6.567%0Nov 2, 2026Visit
    10 Year Fixed6.625%6.718%0Nov 2, 2026Visit
    Visit FIRST NORTHERN's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join FIRST NORTHERN

    Membership is open to those who live or work in Illinois counties Boone, Cook (North of I-55), DeKalb, DuPage, Grundy, Kane, Kendall, Lake, Lee, McHenry, Ogle, Stephenson, Will, and Winnebago. Eligibility also extends to employees of Exelon, Commonwealth Edison, any of their subsidiaries, Northwestern Memorial Healthcare or its subsidiaries, and Northwestern University employees, alumni, or students. Individuals working at Preferred Employer Groups or organizations are eligible, as are those related to a current First Northern Credit Union member.

    Employer
    Exelon, Commonwealth Edison, Northwestern Memorial Healthcare, Northwestern University
    County
    Boone County, IL, Cook County, IL, DeKalb County, IL, DuPage County, IL, Grundy County, IL, Kane County, IL, Kendall County, IL, Lake County, IL, Lee County, IL, McHenry County, IL, Ogle County, IL, Stephenson County, IL…
    City
    Evanston, IL, Rockford, IL

    Where FIRST NORTHERN writes mortgages

    FIRST NORTHERN publishes mortgage lending in 1 state.

    Illinois

    Illinois counties where FIRST NORTHERN serves members

    DeKalb County, ILBoone County, ILKane County, ILLee County, ILMcHenry County, ILOgle County, ILWinnebago County, ILCook County, ILDuPage County, ILLake County, ILStephenson County, ILWill County, IL

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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