Shared Secured Application

A Shared Secured Personal Loan comes with automatic approval.

*Must have matching funds on hold in the account.
What is the approximate amount you want to borrow?*
Full Name*

First NameLast Name
Are you a current member of Illinois State CU?*

YesNo
I authorize Illinois State Credit Union to establish a membership account and run a credit report through a credit bureau.*

YesNo

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Are you applying with a joint owner?*

YesNo

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Are you interested in adding a completely FREE checking account?*

YesNo
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 Save Account in addition to the Checking Account and your Regular Share?*

YesNo
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?*

Yes, I want It'sMyCU to transfer money from savings to checking with a $3 fee. For this to be applicable for debit card transactions, you must be opted in. (see below).No, I do not want It'sMyCU to transfer money on my behalf. I understand that if there is not enough money in my account to cover a transaction, the item may be returned as unpaid and other fees will apply.
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 based on approval and pay items by bringing the account negative. Each transaction that brings the account negative starting at $25.01 will include a $25 fee.

After a 30-day negative account status, Illinois State Credit Union is authorized to remove this service. In order to have this reinstated, you will need to contact the credit union to re-apply.
Do you wish to set up Overdraft Courtesy Pay?*

Yes, I authorize It'sMyCU to pay my overdrafts. I understand this will bring my account negative and I will be charged a $25 every time this happens after my account is negative starting at $25.01.No, I do not want It'sMyCU to pay my overdrafts and bring my account negative. I understand that any item I do not have enough money for will be returned as unpaid and I will be charged a $25 fee for insufficient funds regardless of my account balance.
Disclosures and Agreements
Are you already working with a Member Service Representative?

YesNo
Name of employee you are working with:
How did you hear about this product? *
Name of person who referred you:
Additional Comments:
Signature*

Clear
Joint Owner Signature *

Clear
Should be Empty:

A Shared Secured Personal Loan comes with automatic approval.

Joint Owner Information

Additional Accounts

Overdraft Protection

Overdraft Courtesy Pay

Disclosures and Agreements