Illinois State Credit Union Normal IL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Illinois State at the Bone Student Center Branch, where your financial well-being is our priority! Located at 100 N University St, Normal, IL 61761, we have been serving our community since 1960, building a strong foundation of trust and support for our 17,415 members. With assets totaling an impressive $213,791,653, we are committed to providing a range of services designed to meet your unique needs. As part of our dedication to you, we offer an array of financial products such as personal banking solutions, auto loans, mortgage refinancing, and credit cards with rewards. Our team is here to help you navigate these options effectively. While members can visit us at our branch location, official correspondence should be sent to the same address for convenience. Under the leadership of CEO Thom Ewen and Board President Larry Quane, we pride ourselves on creating a welcoming atmosphere that fosters financial literacy and community engagement. Our staff of 66 employees is always ready to assist you with any questions or concerns you might have. With total deposits amounting to $27,505,913 and cash in hand at $3,713,194, Illinois State ensures that your funds are secure while providing competitive loan offerings with over 11,540 loans and leases. We invite you to explore how we can help you achieve your financial goals. Call us today at 309-862-0617 or visit our website at itsmycreditunion.org for more information about our services. Join us in making your financial future bright!

Branch History & Mission

Welcome to the Illinois State branch, a cornerstone of community banking in Normal, IL. Established in 1960, our branch has proudly served its members for over six decades. Since opening our doors at 100 N University St, we have witnessed remarkable growth, evolving alongside our community to meet the changing needs of our members. From humble beginnings, we have grown to serve over 17,000 members, with total assets reaching an impressive $213,791,653. Our journey reflects not just our financial achievements but also our commitment to fostering strong relationships within the community. As we continue to expand our services and enhance member experiences, our mission remains clear: to provide accessible financial solutions while prioritizing member satisfaction and community support. At Illinois State, we believe that banking should be more than just transactions; it should be about building trust and creating opportunities. Our mission is to empower individuals and families by offering a range of services from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also take pride in providing business banking solutions that help local entrepreneurs thrive. While you can visit us at our main branch address in Normal, all official correspondence should be directed to the same location: 100 North University St, Normal, IL 61761. We invite you to explore our services during our operating hours: Monday through Tuesday and Thursday through Friday from 9:00 AM to 5:00 PM, with special Wednesday hours from 11:30 AM to 4:00 PM. Our commitment extends beyond banking. We actively engage in community outreach efforts and partnerships that uplift those around us. Whether it's financial education programs or local sponsorships, we strive to make a positive impact in the lives of our members and neighbors. As technology continues to advance, so do we. Our digital offerings include online banking and mobile payment options for added convenience. We are proud of our ADA-compliant facilities that ensure everyone can access our services comfortably. We invite you to join us on this journey! Experience firsthand the benefits of membership at Illinois State Credit Union. Together, let's build a brighter financial future for you and your community. For more information or assistance, don't hesitate to reach out at 309-862-0617 or visit us online at itsmycreditunion.org. Your financial success starts here!

Branch Location & Accessibility

Get in Touch!

If you have any questions or need assistance before your visit, feel free to call us at 309-862-0617. We're excited to help you achieve your financial goals! Come see us soon at Illinois State Credit Union; we look forward to serving you!

Nearby Landmarks and Accessibility

Situated near the bustling Illinois State University campus, our branch is easily accessible for students, faculty, and local residents alike. If you're visiting us, you'll find ample parking available, ensuring that your visit is hassle-free. We also take pride in being ADA compliant, with features like ramps to make access smooth for everyone.

Operating Hours

At Illinois State Credit Union, we know your time is important. Our lobby hours are designed to accommodate your busy schedule. You can visit us Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM. On Wednesdays, we open later at 11:30 AM and close at 4:00 PM. We invite you to come in during these hours to experience our welcoming environment.

Services Offered

Our branch offers a wide range of services tailored to meet your financial needs from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Need cash? We have an ATM on-site for quick withdrawals and balance checks. While we don't have drive-thru services, our team is always ready to assist you inside the branch.

Member Eligibility

At Illinois State, we believe that everyone deserves the opportunity to be part of a supportive financial community. Becoming a member is easy and welcoming! If you live, work, or attend school in the area, you're likely eligible for membership. We also extend our doors to family members of current members, making it even easier for you to join our family. With your membership, you gain access to a variety of financial products and services designed to help you thrive, from competitive loan rates to personalized banking solutions. To learn more about specific eligibility criteria, feel free to visit our website. If you're ready to open an account and start enjoying all the benefits of being with us, check out the details at https://scholarship.itsmycreditunion.org/. If you have any questions or need assistance, don't hesitate to reach out to us at (309) 862-0617. We look forward to welcoming you into the Illinois State community!

Business Banking & Commercial Services

At Illinois State, we understand that every business has unique needs. Whether you're a startup or an established company, our business banking and commercial services are designed to help you thrive. Imagine having access to flexible financing options that can fuel your growth. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. In addition to loans, our merchant services offer practical tools that simplify transactions, making it easier for you to accept payments and manage your cash flow. Picture a busy café owner seamlessly processing orders while tracking sales all thanks to our reliable merchant solutions. Visit us at 100 N University St Normal Il 61761 in Normal, IL or call us at (309) 862-0617 to discover how we can partner with you on your journey to success!

Comprehensive List Of Services

Business Banking

For our entrepreneurial members, we provide robust business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your growth every step of the way.

Digital Banking Convenience

We believe that banking should be as convenient as possible. That's why we offer comprehensive online and mobile banking features. You can manage your accounts, transfer funds, and even pay bills from the comfort of your home or on-the-go with just a few taps on your smartphone. Our ATM and cash withdrawal services further enhance this convenience by providing easy access to your money whenever you need it. At Illinois State, our goal is to ensure that all members feel empowered in their financial journey. We invite you to visit us at 100 N University St Normal Il 61761 or give us a call at (309) 862-0617 to learn more about how our services can benefit you today!

Home Financing

When it comes to purchasing a home, we understand how important it is to have reliable support. That's why we provide mortgage loans and refinancing options that can help you secure the best rates possible. Picture stepping into your new home with confidence, knowing that you have made a wise financial decision.

Loans and Credit Solutions

In addition to mortgages, we also offer personal loans and debt consolidation services. If you're facing high-interest debt from credit cards or other sources, our team can help you consolidate those debts into one manageable loan with lower interest rates. Plus, our credit cards with rewards are perfect for everyday purchases while earning cash back or points toward future travel.

Personal Banking

For those seeking personal banking solutions, we offer checking and savings accounts tailored to fit various lifestyles and financial goals. Imagine having an account that not only helps you manage your day-to-day expenses but also encourages you to save for future dreams like a vacation or a new car. Our auto loans and vehicle financing options make it easy for you to get behind the wheel of your dream vehicle without breaking the bank.

Digital & Online Banking

Key Features

Our online banking service allows you to check balances, transfer funds, and pay bills anytime, anywhere. If you're looking for quick and hassle-free ways to send money to friends or family, our person-to-person transfer feature is just a few clicks away. Plus, you can easily set up electronic statements, helping you go green while keeping track of your financial activity without the clutter of paper.

Mobile Convenience

For those on the go, our mobile application provides a user-friendly interface where you can access all your banking needs right from your smartphone. Whether you want to make payments or deposit checks using your camera, it's all possible with just a few taps. And if you're someone who enjoys the latest payment options, our mobile payments feature lets you pay directly from your phone in stores or online.

Security First

We take security seriously. Our electronic signature authorization adds an extra layer of protection for your transactions, ensuring that your information remains safe. You can bank with confidence knowing that we prioritize your security while providing an easy-to-use experience. In summary, Illinois State is committed to making your banking experience as simple and secure as possible. Enjoy real-time account management and the convenience of digital banking tailored just for you!

Financial Strength

Commitment to Reinvestment

With $19,019,795 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $3,966 in used auto loans and $148,369,623 in total loans and leases.

Growing Membership Base

Total Share Accounts: 40,406, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $924,163. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Illinois State is your trusted partner. Visit us at 100 N University St Normal Il 61761 or call (309) 862-0617 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $48,904,130 in share certificates and $13,897,720 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $6,202,282, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $634,015 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 59 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Position

With a net worth of $23,778,302, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.12% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $57,554,961 in used vehicle loans and $14,645,613 in new vehicle loans already helping members get on the road. Whether you want to finance a new vehicle or a pre-owned one, we have options that make car buying easier than ever.

Business Financing

For business owners, while we currently do not offer commercial loans, our other personal loan products can still support entrepreneurial endeavors. Our friendly team at Illinois State is committed to guiding you through each step of the loan process. We'll help you understand eligibility requirements and explore refinancing options if you're looking to improve your current financial situation. Feel free to reach out at (309) 862-0617 for any inquiries or visit us during our operating hours: Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, and Wednesday from 11:30 AM to 4:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you with all your lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,487,099, make buying or refinancing simple. We offer competitive rates and terms to help you secure the home of your dreams without breaking the bank.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $5,140,137 in loans helping members manage their finances effectively. Our credit cards come with various benefits that can suit your lifestyle and spending habits.

Loan Aggregator

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ILLINOIS STATE CREDIT UNION - Normal, IL

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