--- title: "Illinois State Credit Union Rates (Nov 2026): CDs to 4.36%" description: "Illinois State Credit Union rates today: savings & CDs up to 4.36% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Illinois State Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/illinois/illinois-state" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Illinois State Credit Union Rates (Nov 2026): CDs to 4.36% ### Auto & vehicle rates 8 offers | Product | Published | Rate | Term / condition | Status | | **66-Month Auto Loan (2024 and Newer)** auto_any_66mo | — APR | 4.240% | 66 mo | Standard | | **60-Month Auto Loan (2022 and Newer)** auto_any_60mo | — APR | 4.390% | 60 mo | Standard | | **48-Month Auto Loan (2019 and Newer)** auto_any_48mo | — APR | 5.790% | 48 mo | Standard | | **Up to 72-Month Auto Loan (2024 and Newer)** auto_any_72mo | — APR | 5.990% | 72 mo | Standard | | **Up to 84-Month Auto Loan (2024 and Newer)** auto_any_84mo | — APR | 6.990% | 84 mo | Standard | | **Less Than $75k Up To 120 Months Greater Than $75k Up To 180 Months** auto_any_120mo | — APR | 7.750% | 120 mo | Standard | | **60-Month Motorcycle Loan** motorcycle_any_60mo | — APR | 7.750% | 60 mo | Standard | | **36-Month Auto Loan (2018 and Newer)** auto_any_36mo | — APR | 8.290% | 36 mo | Standard | Illinois State Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Second Mortgage Loans (Up to 10 years)** heloc_fixed | — APR | 5.250% | — | Standard | | **Fixed Rate Second Mortgage Loans (Over 10 years)** heloc_fixed | — APR | 6.250% | — | Standard | Illinois State Credit Union heloc rates as of November 13, 2026 ### Savings & CD rates 12 offers | Product | Published | Rate | Term / condition | Status | | **Savings** savings | 0.50% APY | 0.50% | — | Standard | | **Money Market** money_market | 0.50% APY | 0.50% | — | Standard | | **IRA** ira | 0.50% APY | 0.50% | — | Standard | | **3-Month Certificate** cd_3mo | 3.45% APY | 3.40% | 3 mo | Standard | | **48-Month Certificate** cd_48mo | 3.70% APY | 3.64% | 48 mo | Standard | | **9-Month Certificate** cd_9mo | 3.80% APY | 3.73% | 9 mo | Standard | | **6-Month Certificate** cd_6mo | 3.80% APY | 3.73% | 6 mo | Standard | | **12-Month Certificate** cd_12mo | 3.85% APY | 3.78% | 12 mo | Standard | | **18-Month Certificate** cd_18mo | 3.85% APY | 3.78% | 18 mo | Standard | | **36-Month Certificate** cd_36mo | 4.00% APY | 3.93% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | 4.00% APY | 3.93% | 24 mo | Standard | | **13-Month Certificate** cd_13mo | 4.36% APY | 4.27% | 13 mo | Standard | Illinois State Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 4.36% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/illinois/illinois-state) , verified from [Illinois State Credit Union's official website](https://itsmycreditunion.org/) Loading branch locator… ## About Illinois State Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 18.4K Assets $252.6M Founded 1960 Locations reported 5 NCUA charter 64920 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**University of Illinois Community** Kays Branch · Normal · IL · 61761 About 1.1 miles away](https://rateapi.dev/credit-unions/illinois/university-of-illinois-community) [**Land of Lincoln** Bloomington/Normal · Normal · IL · 61761 About 1.2 miles away](https://rateapi.dev/credit-unions/illinois/land-of-lincoln) [**IAA** IAA Credit Union Main Branch · Bloomington · IL · 61701-2214 About 2.0 miles away](https://rateapi.dev/credit-unions/illinois/iaa) [**Normal City Employees** Town of Normal Annex - South · Normal · IL · 61761-3018 About 2.3 miles away](https://rateapi.dev/credit-unions/illinois/normal-city-employees) [**Citizens Equity First** Normal Member Center · Normal · IL · 61761-4143 About 2.7 miles away](https://rateapi.dev/credit-unions/illinois/citizens-equity-first) [**Bloomington Postal Employees** BLOOMINGTON POSTAL EMPLOYEES CREDIT UNION · BLOOMINGTON · IL · 61701 About 2.8 miles away](https://rateapi.dev/credit-unions/illinois/bloomington-postal-employees) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Illinois State Credit Union Membership eligibility from Illinois State Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via the Illinois State University - Location McLean County, Logan County, Dewitt County, Winnebago County, Livingston County, Stephenson County, LaSalle County - Association Illinois State University Verified from [Illinois State Credit Union's membership page](https://form.jotform.com/isucu/new-member-application-) . Final membership determination is always made by the credit union. ## Membership rules for Illinois State Credit Union Schools 3 · Family 4 published paths to membership, last verified August 21, 2026, quoted from Illinois State Credit Union’s own published criteria. ### Schools 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Student of Illinois State University (as written on the source page) “Affiliated with Illinois State University” > [source ↗](https://form.jotform.com/isucu/new-member-application-) - Student at Illinois State University - School employee of Illinois State University (as written on the source page) “ISU Employee” > [source ↗](https://form.jotform.com/isucu/new-member-application-) - Employee of Illinois State University - Alumni of Illinois State University (as written on the source page) “ISU Alumni” > [source ↗](https://form.jotform.com/isucu/new-member-application-) - Alumnus of Illinois State University ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member “Immediate Family Member” > [source ↗](https://form.jotform.com/isucu/new-member-application-) - Family member of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Illinois State Credit Union? Yes No ## Work at Illinois State Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Illinois State Credit Union ranks against Illinois peers. - See which AI assistants fetched Illinois State Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Illinois - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=illinois-state&state=illinois&code=IL&name=Illinois%20State%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Illinois State Credit Union offer? Illinois State Credit Union currently offers vehicle loan, and HELOC rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Illinois State Credit Union rates updated? RateAPI verifies Illinois State Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Illinois State Credit Union's rate data? Rate data is collected directly from Illinois State Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Illinois State Credit Union's best CD rate? As of November 13, 2026, Illinois State Credit Union offers savings and certificate (CD) yields up to 4.36% APY. ### Who can join Illinois State Credit Union? Membership via the Illinois State University RateAPI tracks 4 published membership paths covering 3 schools for Illinois State Credit Union, each quoted from Illinois State Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Illinois State Credit Union's rates against national credit-union benchmarks. [More Illinois credit unions](https://rateapi.dev/credit-unions/illinois) [Illinois auto loan rate leaders](https://rateapi.dev/auto-loan-rates/illinois) [Illinois HELOC rate leaders](https://rateapi.dev/heloc-rates/illinois) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://itsmycreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Illinois State Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Illinois credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Illinois State Credit Union curl "https://api.rateapi.dev/credit-unions/illinois /illinois-state " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Illinois State Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/illinois/illinois-state Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp