Illinois State

1309 S Center, Normal, IL 61761

NCUA Insured3.9 (84 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1960

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Normal, IL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1960

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1309 S Center

Normal, IL 61761

Google Maps 🗺Waze

(309) 451-8400

Service Area

This credit union is located in Normal and serves members in the IL area. Currently serving 18,102 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.24%

Used Auto Loan

4.39%

Personal Loan

9.24%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IL

Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).

Tee-Pak— New Auto Loan

Danville, IL

2.49%

National Police— Used Auto Loan

Chicago, IL

2.99%

Israel Methcomm— Personal Loan

Chicago, IL

2.00%

Great Lakes— Credit Card APR

Bannockburn, IL

2.00%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(5 total)

Member Reviews

3.9

84 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Justin Lashley

3 months ago

Working with ISU to get my vehicle refinanced was pretty quick and easy. Nate and the ISU team made the process very stressless from start to finish. Thank Nate and ISU for everything you guys have done.

Lori Lori

5 months ago

Never bank here. My account was hacked so I filed a fraud report which was investigated and approved as fraud by their fraud dept. They sent their report to customer service at their main office so they could issue the credits. CS lied and said they were authorized according to their fraud dept. I called the fraud dept. and was told that was not what the report said. They lied. Called CS back & "oops, they read it wrong." They were going to work on the credits. Called me today and said they were not going to pay. CS apparently gets to make that decision. I think they're broke and keep whatever they can. They were also rude and mad because I also insisted on getting reimbursed the $450 they charged in overdraft charges for the charges that were not my charges. I have an appt. with my lawyer. They refused to give me the name of their lawyer. Grab your money and run!

Caleb

3 months ago

Have an auto loan have only ever made ONE payment at a time but some how get double charged on a Friday for over $1200 and I’m out working on the road no way to eat food now. Of course you cant talk to anyone till Monday and they tell me it will be in back in my account in a few days. Awesooome like should I eat the snow for dinner and some dirt? Don’t ever bank or anything here I will be switching my loan to State Farm credit union as soon as I’m back home.

Christine Lindberg

9 months ago

I recently financed my car through Illinois State Credit Union. Nate was my loan officer. He was very personable, reliable, and helpful during the whole process. He made certain that I received the best interest rate that I was qualified to receive. I know that my transaction ended up taking more time than the office was open, but he worked diligently beyond business hours and walked me through everything, with great patience. I feel confident in knowing I can call on Nate for assistance with any concerns I may have in the future.