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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!

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.

Refocus. Reset. Finish the Year Strong.

Life happens. Unexpected expenses, credit card balances, or a few financial setbacks can make it harder to stay on track. Our Back On Track Personal Loan is designed to help you move forward with confidence.

For a limited time, qualified borrowers can receive a 2.00% APR* rate discount on a new personal loan.

 ✅ 2.00% APR* Rate Discount

 ✅ No Credit Hit to Apply**

 ✅ Fast, Local Decisions

 ✅ Flexible Funds for Real-Life Needs

Whether you're consolidating debt, covering unexpected expenses, or creating breathing room in your budget, we're here to help.

Offer Valid September 8 - September 29, 2026

*Annual Percentage Rate. Restrictions apply. 2.00% APR discount applied to qualified rate. Offer valid 9/8/26-9/29/26 and subject to change. Cannot be combined with other rate discounts. All loans subject to approval. New money only. Does not apply to current unsecured loans. Limit one active Back On Track Loan per member. 12-month max finance term. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. **Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.

It’s the perfect time of year to get out and enjoy the things you love. Whether you’re dreaming of weekends on the water, road trips in your RV, or cruising on two wheels, we can help make it happen with a recreational vehicle loan. Apply today with no impact to your credit score.*

*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties.

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:

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

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. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties.

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

Copyright © 2026. All rights reserved.

*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.