Benefits

Rates

Warranties

GAP

Dealer of the Month

Preferred Dealers

If upgrading your vehicle or lowering your current payment is on your list this year, we’ve got a smart way to get started.

Why start with It'sMyCU?

• Competitive auto loan rates
• Flexible terms that fit your budget
• Local service you can trust
• And $200 CASH!

Auto Purchase

Auto Refinance

• Earn $200* cash.
• Apply for an auto loan with It'sMyCU before car shopping to find out what you can be approved for.
• Find the payment amount that works for you!
• Save time and money with a pre-approval.

• Earn $200* cash.
• If you have already financed an auto loan with another lender, you can still refinance your loan to It'sMyCU.
• Add GAP+ and/or a warranty for further protection.
• Possible lower monthly payment and/or interest rate.

It’s the perfect time of year to get out and enjoy the things you love. Whether you’re dreaming of weekends on the water, road trips in your RV, or cruising on two wheels, we can help make it happen with a recreational vehicle loan. Apply today with no impact to your credit score.*

*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.

Fill out the auto application. You do not need to know what you want to purchase in advance. 

Save time and money, get pre-approved with It'sMyCU!

Receive your pre-approval and go car shopping.

Once you are ready to purchase, write your pre-approval check!

Follow up with your loan officer

$200 cash reward*

Find the amount that 

works for your budget

Know the trade-in value 

on your current car

Save thousands using It'sMyCU

warranty and GAP insurance

Competitive Rates

• Competitively priced warranties
• You don't have to be a member to get an auto warranty with us!
• Fill out the form below to get a warranty quote.
• If you have additional questions, email lobbylending@itsmycreditunion.org

What is GAP Insurance?

• Guaranteed Asset Protection
• GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance.

What is GAP PLUS?

• GAP insurance is additional coverage when your vehicle is deemed a total loss. It kicks in to help cover the difference if your insurance does not cover the full loan balance. 
• With GAP Plus, you also receive $2500 towards the finance amount of your replacement vehicle!

• Consumer vehicle values
• The leading source of car, motorcycle, RV, and boat values

• Vehicle search by VIN or plate number
• Request the vehicle history report

600 Greenbriar Drive

Normal, IL 61761

Copyright © 2026. All rights reserved.

*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.