• 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.

  • Member Eligibility:

  • Primary Applicant Information

  • Joint Applicant Information

    • Joint Applicant Collapse  
    • Joint Applicant Collapse Stopper  

    • Beneficiary Information

    • Account Selection

    • A Regular Share account (savings) is required for membership at Illinois State Credit Union. This share account has a required minimum balance of $25 and earns 0.20% interest. 

    • Overdraft Protection

    • 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.

       

      These automated transfers also count towards Regulation D which only allows 6 electronic transfers each month. If more than 6 transfers occur, there will be a $25 fee assessed at the end of that month. 

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

    • 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 Share Draft account up to $500 and pay items by bringing the account negative. Each transaction that brings the account negative 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. 

    • Opt In/Out

    • This service is specific to debit card transactions. If you wish to OPT IN, your debit card purchases will bring your account negative with the standard $25 fee per transaction. In order to choose this option, you must be approved for Overdraft Courtesy Pay and have an available limit to overdraw your account. If you have chosen to set up overdraft protection, those transfers will take affect before bringing the account negative.

       

      To avoid going negative with your debit card transactions, you can choose to OPT OUT which will deny your debit card purchases if there is not enough money in your checking account to cover the charge. 

    • Were you referred to ISCU?

    • Loan Inquiry

    • Disclosures and Agreements

    • ID and Address Verification

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    • Account Funding

    • Thank you for filling out an online application with Illinois State Credit Union! 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. 

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