Home state: Illinois

    FIRST NORTHERN mortgage rates

    FIRST NORTHERN's lowest publicly advertised 30-year fixed rate today is 6.375% — the national average is 6.88%. That's about $48,086 saved over the life of a $400,000, 30-year loan. We track FIRST NORTHERN daily and refresh rates every morning.

    Today's rates from FIRST NORTHERN

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.375%6.415%0Sep 11, 2026Visit
    15 Year Fixed6%6.066%0Sep 11, 2026Visit
    10 Year Fixed6%6.092%0Sep 11, 2026Visit
    5 Year ARM6.375%3.877%0Sep 11, 2026Visit

    Rate history

    Lowest daily rate FIRST NORTHERN advertised for each product, 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

    Lending states not published; shown as serving its chartered area. Confirm directly with FIRST NORTHERN.

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

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