Secured Loan Application
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  • What is the purpose of this loan?*
  • Are you a current member of It'sMyCU?*
  • I authorize Illinois State Credit Union to establish a membership account and run a credit report through a credit bureau.*
  • How would you prefer to make your payments on the loan?*
  • Do you have a current trade in?
  • Have you spoken to an attorney in the last 6 months about filing bankruptcy?*
  • Do you owe/pay on any of the following? (Select all that apply)*

    • Non-Member Collapse  
    • Format: (000) 000-0000.
    • Preferred method of contact:*
    • Member Collapse  
    • Format: (000) 000-0000.
    • Preferred method of contact:*
    • Have you had a loan with us in the last 12 months?*
    • Is your employer the same?*
    • Is your income the same?*

    • Are you still at the same address?*
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    • Are you applying with a joint owner?*
    • Joint Owner Information Collapse  

    • Joint Owner Information

    • The following questions should be answered by the Joint Applicant.

    • Are you a current member of Illinois State CU?*
    • Joint Non-Member Collapse 
    • Preferred method of contact:*
    • Joint Member Collapse 
    • Preferred method of contact:*
    • Have you had a loan with us in the last 12 months?*
    • Is your employer the same?*
    • Is your income the same?*
    • Are you still at the same address?*
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    • Are you interested in any other services? (Check all that apply.)

    • Additional Accounts

    • In addition to our checking account, we have a new product called an Easy Saver Account. This is an additional share that would be linked to your debit card. When you make debit card purchases at a store, each transaction would round up to the nearest dollar and transfer the remaining change to the Easy Saver Account. 

      For example, if you spend $2.50 at a store, you will see the transaction post to your checking account for this amount, and then an additional transfer made for $0.50 to the Easy Saver Account. 

      This share will earn 10% interest on the balance up to $1,000. In order to transfer out of this account, you will need to contact a Member Service Representative. 

    • Would you like to add the Easy Saver Account in addition to the Checking Account and your Regular Share?*

    • Overdraft Protection

    • Overdraft protection is an automated service that will transfer money from your savings to your checking if there is not enough money in the checking account to cover the transaction.

      These automated transfers also count towards Regulation D which only allows 6 electronic transfers each month. If more than 6 transfers occur, there will be a $25 fee assessed at the end of that month. 

      There is also a $3 fee each time this service is used. 

    • Do you wish to set up Overdraft Protection?*

    • Overdraft Courtesy Pay

    • This is an additional service that can be added to your account. Overdraft Courtesy Pay (OCP) would allow you to overdraft your Share Draft account up to $500 and pay items by bringing the account negative. Each transaction that brings the account negative will include a $25 fee.

    • Do you wish to set up Overdraft Courtesy Pay?*

    • Opt In/Out

    • This service is specific to debit card transactions. If you wish to OPT IN, your debit card purchases will bring your account negative with the standard $25 fee per transaction. In order to choose this option, you must be approved for Overdraft Courtesy Pay and have an available limit to overdraw your account. If you have chosen to set up overdraft protection, those transfers will take affect before bringing the account negative.

      To avoid going negative with your debit card transactions, you can choose to OPT OUT which will deny your debit card purchases if there is not enough money in your checking account to cover the charge. 

    • Do you wish to Opt In or Opt Out?*

    • Disclosures and Agreements

    • Are you already working with a Member Service Representative?
    • Should be Empty: