Unexpected bills. Car trouble. Home repairs. It happens—and it never seems to happen at the “right” time.

The Life Happens Loan gives you a simple, flexible way to handle what comes up without throwing everything else off track.

For a limited time, take advantage of a 2% rate discount* on qualifying loans and get the support you need—right when you need it.

Apply confidently—No credit hit to apply.**

*Restrictions apply. 2.00% APR (annual percentage rate) discount applied to qualified rate. Offer valid 5/4/26-5/25/26 and subject to change. Cannot be combined with other rate discounts. All loans subject to approval. New money only. Does not apply to current unsecured loans. Limit one active Life Happens Loan per member. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. **Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.

Home Loan:

• See It'sMyCU for a pre-approval before home shopping

Home Refinance:

• If you already purchased a home, you can still refinance with It'sMyCU

Home Equity Line Of Credit:

• Apply for a Home Equity Line of Credit to start on those home renovations

Additional Resources:

• Down Payment Assistance
• Mortgage calculators to help you find out how much you can afford

If upgrading your vehicle or lowering your current payment is on your list this year, we’ve got a smart way to get started.

Why start with It'sMyCU?

• Competitive auto loan rates
• Flexible terms that fit your budget
• Local service you can trust
• And $200 CASH!

Auto Purchase

Auto Refinance

• Earn $200* cash.
• Apply for an auto loan with It'sMyCU before car shopping to find out what you can be approved for.
• Find the payment amount that works for you!
• Save time and money with a pre-approval.

• Earn $200* cash.
• If you have already financed an auto loan with another lender, you can still refinance your loan to It'sMyCU.
• Add GAP+ and/or a warranty for further protection.
• Possible lower monthly payment and/or interest rate.

• Free instantly issued debit card
• Free first box of checks
• Free Bill Pay
• Free mobile check deposit
• No minimum balance or monthly fees
• Transfer money between your institutions
• Mobile Banking Access 24/7

• $100* active checking reward
• Transfer money to your friends
• Overdraft Forgiveness up to $25
• Free Easy Saver Account: Earns 10% APY**
• Free checks and paper statements for members 62 and over

Already a member but want to add a checking account:

Not currently a member:

Turn everyday spending into effortless savings!  — Easy Saver Account

With the Easy Saver Account, you’ll earn a fantastic 10% APY* on balances up to $1,000 and 0.5% APY* on balances over $1,000. Every time you swipe your debit card, we round your purchase up to the nearest dollar and deposit the difference right into your Easy Saver Account — helping you grow your savings without even thinking about it.

An It'sMyCU checking account is required, as your debit card transactions fuel this smart savings feature!

Start saving the easy way — one swipe at a time!

If you already have an It'sMyCU Checking Account and would like the Easy Saver, contact us at 309-451-8400 and we will add the Easy Saver to your account. 

*Annual Percentage Yield. Restrictions apply. $20 membership fee. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. 

New year, fresh start. If juggling multiple bills and high-interest debt feels overwhelming, you’re not alone—and you don’t have to keep doing it the hard way.

With our Debt Consolidation Loan, combine higher-interest debts into one simple monthly payment, potentially lower your interest rate, and take back control of your budget.

Why members love it:

• One monthly payment instead of many

• Lower interest rates than most credit cards

• More predictable payments

• A clear path toward paying off debt faster

This is your chance to reset, refocus, and move forward with confidence. Let’s make your money work better for you in the year ahead.

*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties.

• 0% interest on purchases for 6 months*
• Competitive APR
• 1% cash back on all purchases
• Additional offers available on the cash back mall
• No annual fee
• No balance transfer fees
• Promotional Balance Transfer Rates:

• 0% for 6 months or 5.9% for 12 months

• Download the CU Cards app to make payments, freeze your card, and set up travel notifications

*Introductory rate for new credit card holders only. The interest rate will move to 19.9% 6 months after account is opened. Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.

• Perfect for younger children
• High yield savings account
• No monthly fees
• Annual Student Event
• Parent is joint on the account
• Online banking access 24/7
• Over 30,000 FREE ATMs

• Includes Kids Club benefits PLUS:
• Completely FREE checking account
• $100 reward once the checking account is deemed active
• Free instantly issued debit cards
• Free first box of check
• Mobile check deposit
• Scholarship opportunities

• Includes Student Checking benefits PLUS:
• A starter loan based on approval

$100

Refer someone to get an active checking account and you each get $100*

$100

When someone you referred refinances their auto loan to It'sMyCU from another lender

$100

When someone you referred gets an auto loan with It'sMyCU

2. APY = Annual Percentage Yield. Easy Saver earns 10% APY on balances up to $1000. Earns .5% APY on any balance over $1000.

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*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Only applies to auto loans, auto refinances, personal loans, and credit cards. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.