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The Perfect Pair for the Holidays.

This holiday season, treat yourself to something truly rewarding! Open an It'sMyCU Checking Account and It'sMyCU Visa® Rewards Credit Card together and enjoy the perfect bundle—made to simplify your spending and maximize your savings.

With one easy step, you’ll unlock convenience, exclusive rewards, and $200 cash just for you.¹ Whether you’re shopping for gifts, traveling, or planning for the new year, this bundle makes every purchase a little brighter.

Your Smart Bundle¹ Includes:

• It'sMyCU Checking Account:

• Simple, everyday access to your money
• Contactless instantly issued debit card
• Easily transfer money to friends and family
• No minimum balance
• Easy Saver account earning up to 10% APY²

• It'sMyCU Visa® Credit Card:

• 0% APR³ on purchases for the first 6 months
• Competitive rates
• 1% cash back every time you use your Visa® Credit Card
• Additional offers on the cash back mall
• Contactless cards for easy, secure, tap to pay transactions
• No annual fee
• No balance transfer fees
• Unlimited balance transfers
• 0% APR³ for 6 months or 5.9% APR³ for 12 months on balance transfers

• $200 CASH¹ for you
• AND SO MUCH MORE!

Already a member but want to add a checking account:

Not currently a member:

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.

*Restrictions apply. Credit Approval Required. Pre-approval must finance with It'sMyCU. Refinance from another lender. $20 membership fee. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Rate is based on creditworthiness.

Managing multiple high-interest payments can feel overwhelming. At It'sMyCU, we’re here to help you simplify your finances and save money with a Debt Consolidation Loan.

By combining your balances into one affordable monthly payment, you’ll spend less on interest and gain more freedom to focus on what matters most.

With a Debt Consolidation Loan*, you can:

• Roll multiple debts into one low-rate loan
• Lower your monthly payments
• Pay less in interest over time
• Enjoy the confidence of a clear financial path

Take the first step toward Less Interest, More Freedom.

*Restrictions apply. Credit approval required. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Rate is based on creditworthiness.

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:

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

*Restrictions apply. Credit Approval Required. NMLS 571095. $20 membership fee. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Rate is based on creditworthiness.

Get pre-approved for an 

auto loan and earn $200

Already bought a car? Refinance with 

It'sMyCU and earn $200

We have an unsecured loan 

to fit everyone's needs

High rate on your credit card? 

Transfer your balance

• Competitively priced auto warranties.
• You don't have to be a member to get an auto warranty with us!
• Fill out the form below to get a warranty quote.
• If you have additional questions, email lobbylending@itsmycreditunion.org

What is GAP Insurance?

• Guaranteed Asset Protection
• GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance.  

What is GAP PLUS?

• GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance.  
• GAP Plus is an additional $2,500 incentive that is paid to the principle of your replacement vehicle financed with It'sMyCU!

• Consumer vehicle values
• The leading source of car, motorcycle, RV, and boat values

• Vehicle search by VIN or plate number
• Request the vehicle history report

Are you ready to take control of your credit and build a stronger financial future? Our Credit Empowerment Program is here to help you at every step of your journey.

Perfect for those new to credit. Learn the fundamentals and start building your credit the right way. 

Improve your existing credit score with personalized strategies.

Get comprehensive support for significant credit challenges including debt restructuring and budgeting advice.

Review your credit report 

with a specialist

Find out what is affecting 

your score

Learn how to increase
your score

1. To qualify, checking account and Visa® Rewards Credit Card must be opened on the same day. Visa® Credit Card must reach a $500 balance within 60 days of opening. Checking account must be used as a primary checking account to be deemed active. $20 one time membership fee. 
2. APY = Annual Percentage Yield. Easy Saver earns 10% APY on balances up to $1000. Earns .5% APY on any balance over $1000.
3. APR = Annual Percentage Yield. Restrictions Apply. Credit approval required. 19.90% APR after introductory period. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. Credit Card must be It'sMyCU Visa Rewards Credit Card. 

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