In order to become a member, you will need the following information and must meet one of the elgibility requirements.

1. Social Security Number

2. A Government issued ID

3. Proof of Address (if the address on your ID is not correct or if you are submitting a passport)

4. Must be at least 18 years old (if not, please fill out our student application here!)

5. If you are opening an account with a joint owner, they must be present during this application. Otherwise, the joint owner can be added at a later time.

A Regular Share account (savings) is required for membership at Illinois State Credit Union. This share account has a required minimum balance of $20 and earns 0.50% interest. 

In addition to our checking account, we have a new product called an Easy Saver Account to help you save even more! This is an additional savings account that would be linked to your debit card. When you make a debit card purchase, the transaction would round up to the nearest dollar and transfer the 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.

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.

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

Overdraft Courtesy Pay (OCP) would allow you to overdraft your checking account up to $500 and pay items by bringing the account negative. If approved, we no longer charge an overdraft fee until your account is more than $25 overdrawn. 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 CU is authorized to remove this service. In order to have this reinstated, you will need to contact the credit union to re-apply. 

Once you click submit below, you will be redirected to DocuSign where you will upload your ID. Once we have received your ID, we will be able to begin processing your application. Someone will be in contact with you within 24-48 hours for further account information! If you have any questions, please call us at 309-451-8400 or email memberservices@itsmycreditunion.org.