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  • Step 1: Review your options!

  • Illinois State Credit Union's student account program includes 3 options that are sure to fit your needs! Choose from one below and start your financial journey the right way!

  • Kids Club Account

  • Our Kids Club account is our basic package to get kids started on the right path to a successful financial future! This is a savings account that earns a higher interest rate and can be kept open for life! *A parent or guardian must be joint on this account.

    • Perfect for younger children
    • Regular savings account with $20 minimum balance to establish membership
    • Special savings account with an interest rate of 1.90% APY* and valid on the first $5,000
    • Joint Owners can monitor the account through online banking
    • No monthly service charge

     

     

  • Student Checking Account

  • Our Student Checking account comes with a high yield savings and also includes a checking account so your students can learn to start managing their money. *A parent or guardian must be joint on this account if the student is under the age of 18.

    • Regular savings account with $20 minimum balance to establish membership
    • Special savings account with an interest rate of 2.89% APY* and valid on the first $5,000
    • Comes with a free debit card, a box of checks, and mobile check deposit
    • Includes periodic e-newsletters
    • $100 Active Checking Incentive if used as a primary account
    • No monthly service charge
    • No minimum checking account balance
    • Unlimited access to many surcharge-free ATMs.
  • Smart Start Checking Account

  • Our Smart Start program is our premiere package for students! This package includes everything the Student Checking has and MORE!

    • Get pre-approved for a starter loan, computer loan for school, or a VISA credit card*
    • Rate discount at the time the account is opened
    • Building credit now will have a huge impact on your future!

     

    *A qualified co-signer may be required.

  • Step 2: Tell us about you!

    • Kids Club Application Collapse  
    • Child's Information

    • Browse Files
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    • Browse Files
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    • Parent/Guardian Information

    • Student Checking Application Collapse 
    • Student Information

    • 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 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. 

    • Browse Files
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    • Browse Files
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    • Joint Owner Information

    • Credit Starter Package Collapse  
    • Student Information

    • 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 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. 

    • Without a job, the VISA Credit Card and the Computer/Personal Loan will require a co-signer. (If applying for just a shared secured loan, you can continue without a joint applicant.)

    • Upload a File
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    • Upload a File
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    • Parent/Guardian Information:

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    • Disclosures:

    • Once you click submit, you will be redirected to DocuSign where you will upload your ID. Once we receive your ID, we will begin processing your application within 24-48 hours. If you have any questions, please contact member services at (309)451-8400
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