Get the loan you need from It'sMyCU!

New year, new goals… maybe even a new ride.

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 to help kick-start your year

Getting pre-approved before you shop puts you in the driver’s seat—so you can focus on finding the right vehicle, not worrying about financing.


Start the New Year in Drive and let us help you go farther in 2026.

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 must be 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.

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. 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.

Learn About It'sMyCU Loans:

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

Check out our rates.

Did you know we offer auto warranties?

  • 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

Learn more about GAP Insurance

It'sMyCU has you covered with GAP Plus!

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!

Check the value or history of a vehicle

  • 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

Do you have a new loan with It'sMyCU?

Click icon to download the app

Signing Into Online Banking For The First Time

NEW!

Credit Empowerment Program

Empower Your Financial Future

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.

Credit Start

Credit Refresh

Credit Overhaul

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.

Free Credit Report Review

1

2

3

Review your credit report 

with a specialist

Find out what is affecting 

your score

Learn how to increase
your score

It'sMyCU Member Testimonials

CONTACT US:

Routing #: 271186931

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