• 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 $25 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 $25 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

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    • Parent/Guardian Information

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    • Student Checking Application Collapse  
    • Student Information

    • Overdraft Opt-In Form

    • Your overdraft ATM and debit card transactions will be declined if you choose to opt-out of Illinois State Credit Union’s overdraft courtesy pay service.

      If you want Illinois State Credit Union to authorize and pay overdrafts on ATM and everyday debit card transactions select Opt-in option in the form below:

       
      (Detailed explanation of your options was provided in the Disclosures section of your online Membership application. If you have any question regarding Illinois State Credit Union’s Overdraft Courtesy Pay Program or your options please call 309-451-8400)

    • 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 your account negative. Each transaction that brings the account negative with 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. 

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    • Joint Owner Information

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    • Credit Starter Package Collapse  
    • Student Information

    • Overdraft Opt-In Form

    • Your overdraft ATM and debit card transactions will be declined if you choose to opt-out of Illinois State Credit Union’s overdraft courtesy pay service.

      If you want Illinois State Credit Union to authorize and pay overdrafts on ATM and everyday debit card transactions select Opt-in option in the form below:

       
      (Detailed explanation of your options was provided in the Disclosures section of your online Membership application. If you have any question regarding Illinois State Credit Union’s Overdraft Courtesy Pay Program or your options please call 309-451-8400)

    • 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 your account negative. Each transaction that brings the account negative with 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.)

    • Parent/Guardian Information:

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    • Disclosures:

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