Summer 2013 1

DirectionsFor First Northern Credit Union Members

Summer 2013

Love Letter!Write us a

More inforMation on p3, p6 & p7

2 Summer 2013

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Find the Needle!We have a needle hidden somewhere in this newsletter (the image to the left is not the hidden one). Send us a message at facebook.com/firstnortherncu by 9/15/13 stating the page and location of where we have hidden it and you could win a $25 First Northern Visa Gift Card! Good luck!

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4-5 “Where Do You Cu?”

6-7 Don’t tax My Credit union

8 school supply Drive Win $10,000 with Online Bill Pay Our evanston Branch is Moving!

9 sign & Win with Your Visa Debit use Your Visa Platinum Premier and Win!

10 Financing or refinancing Your Home? auto Buying season

11 Where’s Your Driving sense?

12 First Northern Offers PopMoney First Northern in the Community

13 Digital and Online services are Getting a New Look

14 Locations and Hours Join our Facebook Family excess share insurance

15 First Northern’s Finest rates

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ContentsS u m m e r 2 0 1 3

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Summer 2013 3

Let Congress Know You Love Your Credit union

a Letter from First Northern

Dear Members,

recently the press has reported that both Houses of Congress are considering possible legislation to reform the U.S. tax code.

it appears lawmakers are considering a “blank piece of paper” approach. Under that scenario, all exemptions are removed from the tax code and Congress would then start from scratch to write new code. if Congress goes down that road, the credit union tax-exempt status is gone, leaving us to fight for it back under the new code being formed. failure to regain such a status could have dire consequences for members of credit unions throughout the U.S., and right here at first northern.

Because of this very real possibility, i’m asking you to act now to preserve our credit union, and all the ways you benefit from being a part of First Northern.

our credit union is all about providing great financial services. that’s our sole purpose, and it’s what distinguishes us from other financial institutions, particularly banks. a bank’s first priority is to maximize shareholders’ profits – from the rates and fees charged to its customers for loans and services. on the other hand, first northern Credit Union is a not-for-profit organization, owned by the membership. We typically offer lower rates on loans, higher returns on savings and lower or fewer fees for services. We accomplish this by providing financial services at reasonable costs and returns – not by focusing on large profits. You might say a bank uses people to make money. first northern uses money to help people. By making financial services more affordable, we help you reach your goals and improve your financial well-being.

now, some (mostly large banks) say credit unions should pay income taxes, even though it was banks (not credit unions) that took huge government bailouts a few years back. our government has also been squeezed for more ways to generate revenue. this combination puts credit unions and its members at risk. the truth is, if credit unions were taxed, it’s unlikely their members could continue to receive lower rates on loans, higher savings return, and low fees. in that respect, you might say taxing credit unions is really a tax on 96 million credit union members nationwide.

if the savings and service you enjoy at first northern is important to you, please take a moment to ask Congress to preserve credit unions’ tax status as part of tax reforms occurring now. Without that, you could lose the many benefits you enjoy.

Visit DonttaxMyCreditunion.org to send a pre-written email to your Member of Congress today, or call them at 877-642-4223. Simply tell them, “Don’t tax My Credit Union!”

Alex MaloneSenior Vice President

Summer 2013 3

4 Summer 2013

2013 “WHere DO YOu Cu?” YOUTH CONTESTfirst northern asked our youth members, “Where do you CU in the future?” twenty-five of our youngest members answered that question in the form of photos, poems, essays, and drawings. We divided the entries into four age brackets and came up with four winners of $200! thank you to everyone who participated.

Aubrey, Age 11 (rockford, iL)

4 Summer 2013

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Colleen, Age 18 (elmhurst, iL)

leonArdo, Age 5 (evanston, iL)

dAniel, Age 7 (Cherry Valley, iL)

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6 Summer 2013

You may have come to first northern looking for a great loan rate. perhaps you read about first northern’s free Value now Checking account and decided it was too good to pass up. or maybe a friend told you about our great service or how first northern helped them save money.

no matter how you picked the credit union, you’ve become part of a not-for-profit financial cooperative, just like 96 million other americans who are members of credit unions nationwide. and while we may look like a bank, there are important differences:

• Banks exist to make a profit for shareholders. But not-for-profit credit unions invest profits back into the cooperative, offering more favorable rates and fewer fees. the difference is substantial, amounting to more than $100 per household each year!

• Because we’re not focused on profits, credit unions are able to assist their communities in many ways. in June, first northern employees took part in the Chicago Cares Serve-a-thon and transformed an overgrown park in Garfield park into an area for a farmer’s market. first northern has also participated in an annual blood drive and dog wash in rockford, collected school supplies for each community that we serve, and partnered with exelon for their United Way Giving Campaign. See page 12 for more ways that we have been involved in your community.

Don’t tax My Credit union

6 Summer 2013

Summer 2013 7

• Credit unions do pay taxes. for instance, they pay property taxes to support local schools, libraries, fire departments, police, and other necessities. they also pay fiCa, unemployment, state industrial, and personal property taxes.

not-for-profit organizations do not pay a federal tax on profits -- the so-called corporate tax. it’s been that way since Congress passed the credit union act in 1934.

Some people in Congress are now taking exception to this and are suggesting that credit unions start paying this tax in order to improve the federal deficit.

paul Gentile, Vp of Communications at the Credit Union national association, believes this repeal would jeopardize operations at credit unions nationwide.

“Credit unions serve middle america, they provide a financial alternative like no other in the

marketplace. We are there solely for our members and want them to know if this exemption goes away it would dramatically impact the charter going forward and likely the benefit they enjoy today. 96 million members would go away.”

first northern and credit unions around the country are asking for your help to keep our tax-exempt status in order to continue to serve our communities and provide members with lower rates and fees.

if you appreciate first northern and the services that we provide, please consider contacting Congress to tell them “Don’t tax My Credit Union!” it only takes a few minutes. a prewritten email is waiting for you to send to Congress at http://www.donttaxmycreditunion.org/take-action/. or call 877-642-4223 toll free to contact your Congressman.

We thank you for your continued support of first northern and credit unions nationwide.

Credit Unions Banksvs

Structure

Insurance

Governance

Earnings

Products

Service Delivery

Not-for-profit cooperativemade up of member-owners

Deposits insured up to $250,000 by the NCUA

Volunteer Board of Directors who are members elected

by members

Net income is used to lower interest on loans and higher

interest on savings

Full range of financial products and services

Branches, Online, ATMs, Mobile

For-profit corporations owned by stockholders

Deposits insured up to $250,000 by the FDIC

Paid Board of Directors voted by stockholders who

may not be customers

Stockholders may receive dividends (a share of the

profits)

Full range of financial products and services

Branches, Online, ATMs, Mobile

8 Summer 2013

School Supply Drive

Our evanston Branch is Moving!thanks to you, we’ve outgrown our branch at 726 Clark Street in evanston! We are happy to announce our short move to 1705 Sherman avenue later this year! our new branch will provide members with additional convenience, service, and space. our Clark Street branch will be open for business, uninterrupted, until the day of our move.

first northern asked for your help in providing students in the Chicago, evanston,

rockford, and freeport areas with school supplies for students in need, and you responded! thanks to our members and friends, we raised over $500 in supplies and monetary donations for rockford public Schools, freeport School District, and the Walter and Connie payton foundation which supports many Chicago and evanston schools as well as other schools throughout the state of illinois.

each first northern location also collected school supply items such as notebooks, folders, and pencils that will benefit the school or foundation in their community. pictured here is the 541 north fairbanks branch with a generous amount of supplies donated

from northwestern Memorial Hospital. a big thank you goes out to nMH and every member that donated!

use First Northern Online Bill Pay for a chance to win $10,000!Want a chance to make your summer dreams reality? pay at least three bills using online Bill pay this July and august, and you’ll be automatically entered to win up to $10,000! every bill you pay after that is another entry! Want more? activate an ebill for another chance to win. Make your Summer magical with online Bill pay. Go to www.fncu.org/summer_sweepstakes for more details.

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When using your first northern Visa Debit card, you can opt to enter your pin for a “debit” transaction or select the

“credit” option and sign for your purchase.

Both debit and credit transactions are deducted directly from your checking account, but only credit transactions protect you from fraudulent card use with Visa’s Zero Liability policy.

plus, each time you chose credit and sign for your purchases, you will be entered for a chance to win a prize!

So far we’ve given away Cubs-Cards tickets along with $100 Cubs cash, four White Sox tickets plus Comiskey Cash, and

dinner at a Lettuce entertain You restaurant with a pair of tickets to see the tony award Winning play, the Book of Mormon.

it’s not too late to get in on the action for a chance to win exciting giveaways like a Michael Kors purse, first northern Visa Gift Cards, an ipad, and Bears tickets!

the more you sign with first northern Visa Debit card, the more chances you have to win. Don’t have a card? Contact a first northern financial Service advisor at 888-328-8677.

Visit www.fncu.org/signandwin for complete contest details.

use Your First Northern Visa Platinum Premier Card to Win!We have exciting news for our first northern Visa platinum premier Credit Card holders! Just for being a cardholder, you are entered into the 2013 ScoreBiG Sweepstakes by ScoreCard! this means that you are entered to win prizes for trips to Honolulu, orlando, and Chicago or prizes such as a Kindle fire HD tablet and $100 Visa® Gift Cards!

Don’t forget to use your first northern Visa platinum premier Card between august 1, 2013 and october 31, 2013 because every swipe equals another entry into the sweepstakes! for more information on how you can apply for a first northern Visa platinum premier Card and for more details on the 2013 ScoreBiG Sweepstakes, visit www.fncu.org/scorebig.

Don’t miss out on this exciting opportunity. apply for your rewards card online at www.fncu.org or call a financial Service advisor at (888) 328-8677. not only will you be automatically entered into the drawing, you will benefit from a low annual percentage rate, no annual fees, a credit limit up to $20,000, and rewards to redeem for travel and merchandise.

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10 Summer 2013

Financing or refinancing? Let First Northern cover up to $2,000 of your closing costs!* Plus, enjoy our low rates and fast and easy approval. Call us now at (888) 328-8677 to find out more.

*Offer expires on 12/31/13 and is available for all first mortgage purchases and refinances. Member cannot receive cash back from this offer. Certain restrictions may apply. Ask your loan officer for details.

the season of autO LOaNsit’s auto buying season! Make sure you talk to first northern before you head out to find the perfect car. We can help you find your dream car and dream rate when you make us your first stop on your car buying route.

first northern can give you negotiating power at the dealership when you come to us for a preapproved loan. a financial Service advisor will work with you one-on-one to figure out how much car you can comfortably afford, calculate an approximate monthly payment, and send you on your way with more leverage to negotiate the best price for your vehicle.

are you considering a lease? Consider a Driving Sense loan instead. Like a lease, a Driving Sense loan offers payments considerably lower than conventional financing. Yet, unlike leasing, you own the vehicle and have all the flexibility and benefits that come with ownership. this can mean lower monthly auto payments by as much as 30%!

need more reasons to finance a vehicle with first northern? our members receive these great benefits:

• rates as LOW as 1.99% aPr!• no dealer haggling when you utilize CarQuotes, an exclusive free

program for first northern members that offers low, upfront car pricing before you head to the dealer

• Special pricing privileges on new or used auto loans when you sign up for direct deposit into a first northern preferred or advantage Checking account

• exclusive reduced cost extended warranty, payment protection, and total loss coverage programs

• payroll deduction to make paying your loan even more convenient

• no pre-payment penalty

Call 888-328-8677 ext. 351, apply online at www.fncu.org, or stop by one of our branches to get pre-qualified before you head to the dealership.

10 Summer 2013

Summer 2013 11

Where’s your Driving Sense?

Save up to 30% on your monthly auto

loan payment with a Driving Sense loan!

Talk to an advisorfor details.

First Northern has the vehicle financing answer for you – Driving Sense. Driving Sense gives you the best of both worlds. Like a lease, Driving Sense offers payments considerably lower than conventional financing. Yet, unlike leasing, with Driving Sense, you own the vehicle and have all the flexibility and benefits that come with vehicle ownership! Call (888) 328-8677 to learn more about how much you can save with a Driving Sense loan from First Northern.

12 Summer 2013

First NOrtHerN in the CommunityChicago serve-a-thon •••••••••••first northern employees worked alongside northwestern Memorial Hospital for the Chicago Cares annual Serve-a-thon on June 15. Serve-a-thon is a day dedicated to transforming Chicago public Schools and parks in order to improve learning environments for local students. over 5,000 people volunteered their Saturday to beautify Chicago.

Dog Wash ••••••••••••••••••••first northern and Lou Bachrodt auto Group in rockford teamed up, once again, to host this year’s dog wash! over 180 dogs (and their owners, of course) dropped by for a day of pampering. Dogs received a bath, nail trim, and treats as a part of the event. Shown here is Stella, getting a nice, warm bath.

Keeping Kids safe Project ••••••••parents were encouraged to bring their children to the Child Safety program at the Lou Bachrodt auto Mall on May 4 in order to properly fingerprint their family in case of the unfortunate event that their child should go missing. Dance and karate demonstrations, free child safety seat inspections, and snacks were provided to those that attended. first northern was on hand to open children’s savings accounts.

Blood Drive •••••••••••••••••••first northern hosted a blood drive in conjunction with the rock river Valley Blood Center to benefit numerous hospitals in rockford and the surrounding communities. the blood center saw 31 donors, collected 27 pints, saw four new donors and saved up to 82 lives!

run for Walk ••••••••••••••••••Last year, the inaugural run for Walk welcomed nearly 1,000 northwestern fans, supporters and friends of the late Head Coach randy Walker. the beneficiary for all proceeds is the evanston Community animal rescue effort (C.a.r.e.), a local organization caring and finding homes for lost and homeless pets that was important to the coach. first northern will be fielding a team to support both northwestern University and the evanston community.

Cu4Kids Fundraising Canisters ••••Credit Unions for Kids is a nationwide collaboration of credit unions and their partners engaged in fundraising activities to benefit the Children’s Miracle network group of hospitals. in an effort to support our local Children’s Miracle network hospital, first northern will be placing collection canisters at our teller lines. if everybody gives a little, we can raise a lot.

united Way •••••••••••••••••••exelon Partnership and Offeroriginally started as edison Credit Union in 1944, first northern continues to foster it’s relationship with exelon almost 70 years in the making. With exelon’s United Way employee Giving Campaign, first northern partners up to raise money to increase the money exelon contributes to their chosen organizations. this year first northern will be giving back 1% of total loans booked by exelon employees during their United Way Campaign. another way credit unions continue to show the value of people helping people. Visit www.fncu.org/exelon for details.

streeterville Branch •••••••••••• ice Cream social the northwestern Memorial Hospital employees of our 541 north fairbanks branch enjoyed a break from the office during first northern’s ice cream social on July 11. first northern was on hand to dish out ice cream and get the word out about our beloved credit union!

First Northern Offers PopMoneyan easy Way to Make Personal Payments

first northern now offers popMoney, an easy way to electronically pay your family and friends! all you need is their name and email address or mobile number to move money from your bank account to theirs.

pay your landlord, cousin, or your co-worker. people are using popMoney to pay for all sorts of things like shared phone bills, or just paying back a friend for lunch. You can even use it to request money. it’s the new way to pay and get paid!

automatically get access to popMoney when you sign up for first northern online Bill pay. Sign up for first northern online Bill pay through first northern online Banking. once you have entered all of your account information in online Bill pay, click on “Go to the payment Center” tab. next click on the “popMoney” tab at the top of the screen and follow directions.

You must have a first northern Checking account in order to sign up for online Bill pay.

to learn more about popMoney and how to use it, visit www.popmoney.com.

12 Summer 2013

Summer 2013 13

First Northern’s

DiGitaL aND ONLiNe serViCes are GettiNG a NeW LOOKMany of first northern’s digital services are getting a makeover in order to give you the quick, convenient, and easy member experience that you expect out of your credit union. Watch out for these major improvements that are coming in 2013!

New First Northern Websitefirst northern’s new website is scheduled to go live this fall! it will showcase an updated, modern look and feel. the new site will remain www.fncu.org, but will be easier to navigate and provide more functionality and product information than ever before.

You will continue to be able to apply for membership, loans, credit cards and more from the comfort of your own home with our secure online applications. and as always, the information that you provide will go through a secure network and delivered to first northern.

the new website will also provide a single sign-on to first northern online Banking from the home page, a search function that will direct you towards links on our webpage that will best answer your question, a condensed and functional mobile version, and quick access to all of our current promotions and offers by our new scrolling banner on the homepage.

Mobile BankingStart banking wherever you are with first northern Credit Union’s Mobile Banking app which is available to all first northern online Banking users. first northern’s Mobile Banking allows you to check your latest balances, search transactions, make transfers between accounts, and find locations and atMs.

enrollment is a 3 step process that allows you to enroll for mobile banking when you call 888-328-8677, option 1. You will verify your identify, select security questions and create a sign on user iD and password.

Mobile DepositWhy drive to a branch or atM when you can deposit your checks using your smartphone, tablet or home computer. Simply snap a picture or scan the front and back of your endorsed check and send it to first northern using Mobile Deposit. it’s fast, secure, and free for eligible first northern members. Coming this fall for android and iphone users.

improvements to Online BankingYou will notice some changes to the look and navigation of online banking coming this fall. the most noticeable is the navigation menu bar that will be moved to the top of the screen. Your security will also be enhanced as your password will now need to be a minimum of eight characters. We hope that these changes, along with other design alterations, will improve your online banking experience.

14 Summer 2013

ChicagoMain Branch230 West Monroe Street, Suite 2850Chicago, IL 60606Phone: (312) 394-8500Fax: (312) 853-0588

541 North Fairbanks Court, Suite 120Chicago, IL 60611Phone: (312) 394-8500Fax: (312) 527-2759

Lobby Hours:M/T/Th/F: 8:00 a.m.- 4:30 p.m.W: 9:30 a.m. - 4:30 p.m.

ATM located in Galter Pavilion, 2nd Floor ATM located at 541 N. Fairbanks Court (Lower Level)

Evanston726 Clark StreetEvanston, IL 60201Phone: (847) 332-0240Fax: (847) 332-0244

Lobby Hours:M/T/Th: 8:30 a.m. - 5:00 p.m.W: 9:30 a.m. - 5:00 p.m.F: 8:30 a.m. - 6:00 p.m.S: 9:00 a.m. - 12:00 p.m.

24-Hour ATM

Rockford104 North Show Place DriveRockford, IL 61107Phone: (815) 332-9898 Fax: (815) 332-8935

24-Hour Drive-Up ATM

2235 12th StreetRockford, IL 61104Phone: (815) 963-4282Fax: (815) 963-0030

Lobby Hours:M/T/Th: 8:30 a.m. - 5:00 p.m.W: 9:30 a.m. - 5:00 p.m.F: 8:30 a.m. - 6:00 p.m.S: 9:00 a.m. - 12:00 p.m.

Drive-up Hours:M/T/Th: 8:30 a.m. - 5:00 p.m.W: 9:30 a.m. - 5:00 p.m.F: 8:30 a.m. - 6:00 p.m.S: 9:00 a.m. - 12:00 p.m.

Freeport2 East Stephenson StreetFreeport, IL 61032Phone: (815) 233-8329 Fax: (815) 233-8328

Lobby Hours:M/T/Th: 9:00 a.m. - 5:00 p.m.W: 9:30 a.m. - 5:00 p.m.F: 7:00 a.m. - 5:00 p.m.S: 9:00 a.m. - 12:00 p.m.

Phone Hours M/T/Th/F: 7:00 a.m. - 5:00 p.m. W: 9:30 a.m. - 5:00 p.m. 888.328.8677

Can’t make it to one of our branches? Find over 6,800 Shared Branching locations worldwide at www.fncu.org.

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excess share insuranceSince January 2001, excess Share insurance (“eSi”) has provided up to $250,000 of supplemental deposit insurance coverage for your first northern Credit Union accounts that exceeded the federal insurance limit of $250,000. effective June 30, 2013, the excess deposit insurance provided by eSi is no longer available.

protecting your savings is one of our major objectives. Your savings, up to $250,000 per member for aggregate ira accounts and separately, up to $250,000 per member for non-ira accounts, will continue to be protected by federal deposit insurance, as provided by the national Credit Union Share insurance fund (“nCUSif”); however, deposits that exceed these federal insurance limits will no longer be insured. it may be possible to restructure your accounts to increase the amount of nCUSif insurance coverage that you have.

if you have questions regarding this change in deposit insurance coverage or the insurance protection offered by the nCUSif, please contact a Member Service representative at 888-328-8677 ext. 357.

Join our Facebook Family www.facebook.com/firstnortherncuLog in and find first northern on facebook. We run monthly promotions that include giveaways, contests, fundraisers, and special discounts exclusively for our facebook fans!

Become a fan for your chance to be our facebook fan of the Week just like Jolie of rockford! Simply interact on our page, look every tuesday for your name to be drawn and claim your first northern Visa Gift Card if your name is chosen. $10 is put into the pot every week. if the prize goes unclaimed, it rolls over into the next week’s prize! You could be as lucky as Mayra of Chicago who won $70!

our monthly contests are just as fun. We’ve offered exclusive coupons for first northern products, given a donation to a local United Way location that was voted on by our fans, and we’ve given away prize baskets of gift cards and prizes to our lucky facebook fans!

Be sure to check back in august to enter our Back to School trivia Contest for a fun prize! We’ll have a different question for you to answer each day for two weeks. the more questions you answer correctly, the more chances you have to win.

Summer 2013 15

rates

†

SHARE DEPOSITSAll share rates listed in APY (Annual Percentage Yield)

All Savings Accounts ($25,000 and above) ...0.15% apy

($2,500 - $24,999) .....0.10% apy

($5 - $2,499) ..............0.10% apy

*Subject to change. Yields for all share savings accounts (above) are decided quarterly by the Board of Directors. Dividends are paid retroactively and are based on earnings for the period. The dividend yield listed is for the period ending 6/30/13. Yields for other deposit products (below) are declared and paid monthly.

Share Draft Checking (Advantage) .....................1.50% apy

(Preferred) ......................0.10% apy

(Value Now Free Checking) ....0.00% apy

*Subject to change. For Advantage Checking, an Average Daily Balance between $.01 and $7,500 currently earns 1.50% APY and all portions above $7,500 currently earn 0.01% APY. Rates effective as of 6/30/13. † Non-interest bearing checking account. Complete checking account features and requirements available at www.fncu.org or speak with a Financial Service Advisor.

APR* for LoansNew Vehicle LoansUp to 29 months^ ............................................. 1.99% apR*

30-41 months^ ................................................. 2.49% apR*

42-53 months^ ................................................. 2.79% apR*

54-65 months^ ................................................. 2.99% apR*

66-72 months^ ................................................. 3.99% apR*

Used Vehicle Loans (model years 2006 and newer)Up to 62 months^ ............................................. 2.99% apR*

63 to 66 months^ ............................................. 3.49% apR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding Annual Percentage Rate (APR) may be higher than the published rate. Rates are subject to change at any time without notice. ̂ Financing terms are up to 72 months, but may be less based on several factors including, but not limited to, your credit standing, the vehicle’s value, the loan amount, the term remaining on your existing loan, and the mileage and/or age of the vehicle. Repayment example: 3.99% APR for 66 months is $16.91 per $1,000 borrowed.

Share Secured Loans as low as .................... 3.99% apR*

Stock Secured Loans as low as .................... 6.79% apR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Repayment examples: Share Secured is 3.99% APR for 24 months is $43.42 per $1,000 borrowed and Stock Secured is 6.79% APR for 24 months is $44.68 per $1,000 borrowed.

Unsecured LoansUp to 60 months ............................................... 9.99% apR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. Repayment examples: 9.99% APR for 36 months $32.26 per $1,000 borrowed.

Home Equity Loans**7-year fixed Home Access Loan ....................... 8.49% apR*

5-year fixed ...................................................... 3.49% apR*

10-year fixed .................................................... 4.99% apR*

15-year fixed .................................................... 5.49% apR*

*APR = Annual Percentage Rate. Home equity loans are available on Illinois residences only. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Fixed-rate repayment example: 4.99% APR for 120 months is $10.60 per $1,000 borrowed. Loan subject to terms and qualifications.

Home Equity Lines of CreditHome Equity Line of Credit ...............................4.00%** apR*

Home Access Line of Credit ...............................7.00%** apR*

For current mortgage rates, contact a First Northern Loan Officer.*APR = Annual Percentage Rate. Home Equity Line of Credit carries a variable rate, loans are subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Rates are subject to change. The rate is set and adjusted each January and July 1st based on the Prime Rate as published in The Wall Street Journal plus a margin of .50% for Home Equity Loan and 2.00% for Home Access Loan. Your margin may vary based on your credit qualifications. As of 10/2/12 the Prime Rate as 3.25% APR.**These reflect product floor rates and are higher than the index + margin at the time of printing.

Fixed Rate Visa Credit CardsPlatinum rate; no annual fee ............................. 8.99% apR*

Platinum Premier rate; no annual fee ..............10.25% apR*

Classic rate; no annual fee ..............................12.25% apR*

*APR = Annual Percentage Rate. Subject to credit approval. Rates are subject to Lender’s credit criteria, certain conditions, and restrictions. Your rate and corresponding APR may be higher than the published rate. Rates are subject to change at any time without notice. No annual fee.

What is your job description? District Manager of Financial Sales/Services - I oversee the everyday operations of three branches in the Rockford and Freeport area.

What do you like most about your job? Every day is different for me when I come to work. One day I might be at an event helping raise money for a worthy cause in the Rockford or Freeport communities and the next day I might be in the office working with members trying to figure ways to save them money.

How long have you been with First Northern? It is hard to believe that this year makes 13 years with First Northern Credit Union! I am fortunate to work for a great company and also work with an amazing group of people. Time goes fast when you enjoy what you do every day.

What is the most rewarding part of your job? There are so many things I find rewarding in my job, but the one thing that will always top the list is working with members. Working with people on their financial needs is why I have been in the financial industry for over 25 years.

What are a few of your favorite things? My favorite things to do are anything that involves being outdoors and with my family. My wife (Julie) and I have three children under the age of 10. It is always our goal to keep them active at all times. We try to lead by example by doing the same in our own lives. In fact next month our children will have the opportunity to cheer their parents on at a triathlon in a suburb of Chicago.

FirstNorthern’sfinestJon Pick

16 Summer 2013

230 West Monroe StreetSuite 2850

Chicago, IL 60606

Address Service Requested

©2013 172185 LKCS • www.lk-cs.com

Printed on recycled PaPer

WIN!& *

August: iPad® Tablet

September: 2 tickets to cheer on the Chicago Bears at Soldier Field

October: $250 gift card to your local grocer to host a Thanksgiving feast to remember

November: $250 First Northern Visa® Gift Card to jump start the holiday shopping season

December: Flat screen TV delivered just in time for the Super Bowl

Sign for purchases using yourFirst Northern Visa Debit card

to win monthly prizes.

Visit www.fncu.org/signandwin for complete details.

WIN!& *

August: iPad® Tablet

September: 2 tickets to cheer on the Chicago Bears at Soldier Field

October: $250 gift card to your local grocer to host a Thanksgiving feast to remember

November: $250 First Northern Visa® Gift Card to jump start the holiday shopping season

December: Flat screen TV delivered just in time for the Super Bowl

Sign for purchases using yourFirst Northern Visa Debit card

to win monthly prizes.

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