Unexpected bills. Car trouble. Home repairs. It happens—and it never seems to happen at the “right” time.

The Life Happens Loan gives you a simple, flexible way to handle what comes up without throwing everything else off track.

For a limited time, take advantage of a 2% rate discount* on qualifying loans and get the support you need—right when you need it.

Apply confidently—No credit hit to apply.**

*Restrictions apply. 2.00% APR (annual percentage rate) discount applied to qualified rate. Offer valid 5/4/26-5/25/26 and subject to change. Cannot be combined with other rate discounts. All loans subject to approval. New money only. Does not apply to current unsecured loans. Limit one active Life Happens Loan per member. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties. **Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.

New year, fresh start. If juggling multiple bills and high-interest debt feels overwhelming, you’re not alone—and you don’t have to keep doing it the hard way.

With our Debt Consolidation Loan, combine higher-interest debts into one simple monthly payment, potentially lower your interest rate, and take back control of your budget.

Why members love it:

• One monthly payment instead of many

• Lower interest rates than most credit cards

• More predictable payments

• A clear path toward paying off debt faster

This is your chance to reset, refocus, and move forward with confidence. Let’s make your money work better for you in the year ahead.

*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details. Membership is open to anyone living or working in McLean, Logan, DeWitt, Stephenson, Livingston, LaSalle, and Winnebago Counties.

• Can be used for anything!
• Taxes
• Repairs
• Vacation
• Consolidate Debt 

Need a flexible loan? 

A Line of Credit is a revolving loan that a borrower can access on demand. 

Automatic Approval

Matching funds in the account is the limit

Choose your own limit with a minimum of $250

No credit check required

Check your financial wellness with our certified coach: 

• Develop and maintain healthy financial habits
• Set financial goals and learn how to meet them
• Learn how to increase your credit score

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*Restrictions Apply. Application uses a soft credit inquiry only and will not impact your credit score. Rates, terms, and conditions are subject to change and may vary. Membership with Illinois State Credit Union is required. See Illinois State Credit Union for full details.