The Credit Union offers loans for new and used vehicle purchase, refinance and for a wide variety of personal uses such as vacation, taxes, debt consolidation, home improvement and unexpected bills. Our credit approval process is quick and simple.  Pre-approvals can be done by phone. Membership is required to apply for a loan.

We are happy to inform you the Credit Union has implemented Risk Based Lending. It is our hope in doing so we can become the lender of choice for all our members by offering the best possible rate based on an individual’s credit history. We will continue to follow the same lending approval standards that we have always utilized in making quality loan decisions. With this program our credit challenged members benefit by qualifying for a loan with the Credit Union instead of resorting to higher cost alternatives such as finance companies or sub-prime lenders. We want to give these members an opportunity to rebuild their credit. In addition, members with a good credit history can qualify for lower rates so they do not have to turn to other financing sources. Also, the Credit Union now has the authorization to try to meet or beat our competition’s offer. Bring us their written offer and let us see if we can give you something better. If you are currently financing a vehicle, or have a personal loan with someone else, talk to us and discover how competitive we can be!

Use the link below for a convenient loan application. By using the form, in most cases, you will receive a decision within 1-2 business days. For some applications, additional time may be required. Simply fill out the appropriate fields and then print and sign the form. Processing the application cannot begin until a SIGNED copy of this form is received.  Once your signed application is received our loan officer will contact you promptly.

Call (217) 398-6086 if you have questions about completing your loan application.
All applicants will be required to visit the credit union office to close on their loan.

Click HERE to open the loan application in a new window

Share Accounts:

Saving money at the Credit Union is simple and convenient with our Share Savings Account.  Weekly, bi-weekly, and monthly direct deposits can be made with most payroll and retirement income, and anytime by check.  We offer a tiered dividend structure, so the more you save the more you earn.  And no matter what your level of savings, you save and earn without fees, penalties, or maturity dates.

YOUR SAVINGS INSURED TO $250,000 PER ACCOUNTBy members' choice, this institute is not federally insured

Club Accounts: 

Join the Club!  All Credit Union Members are eligible to open a Holiday and/or Vacation Club account. We are excited to offer a new club account called Drop In The Bucket. It requires a 2 year term for a higher interest rate. Earn competitive dividends while setting aside extra cash for holidays, special gifts, vacations, and other occasions.

Small recurring deposits can really add up!  There are several options for making deposits, including electronic payroll deduction, through the mail, and in person. Club account dividends are paid quarterly.  Partial withdrawals from your Club account are not allowed.  If you close your account before dividends are paid, you will not receive the accrued dividends. Additional terms and conditions apply.  Rates subject to change.

Auto Loans: 

Do you have an existing vehicle loan with one of our competitors? Give us a chance to meet or beat the interest rate you are paying. If you transfer the loan to us, we'll pay the title transfer fees for you.

Stop by or give us a call at (217) 398-6086 to see if we can save you some $.


Rates effective 03/13/15

Regular Share Balance APR 
$50,000.00 and above .75%
$25,000.00 - $49,999.99 .50%
$5,000.00 - $24,999.99 .35%
$5.00 - $4,999.99 .25%

The minimum deposit required to open and maintain this account is $5.00.  Dividends accrue daily and are compounded quarterly.

Auto, Motorcycle and RV Loan Rates

Rates Effective 1-1-2018

Model Year              Term APR
2016 and Newer 72 months Ranging from 2.04% to 7.04%*
2012 and Newer 60 months Ranging from 1.94% to 6.94%*
2012 and Newer 48 months Ranging from 1.84% to 6.84%*
2012 and Newer 36 months Ranging from 1.74% to 6.74%*
2011 and Older 48 months Ranging from 5.74% to 10.74%*
2011 and Older 36 months Ranging from 5.64% to 10.64%*

Unsecured Loans

Term Rates
Up to 48 Months Ranging from 9.74% - 16.00%*

Debt Consolidation Loans

Term Rates
Up to 48 Months Ranging from 9.00% - 14.74%*

Share Secured Loans

Term Rates
Up to 48 Months 2.49%

All loans are subject to credit approval.

*Individual rates will be determined by member's credit score

Club Account Rates

    ACCOUNT            APR              Account Season       
Holiday Club       .50% November 1 - October 31
Vacation Club       .50% May 1 - April 30
Drop in the Bucket       .55% 2 Year Term

Club accounts are paid quarterly

Simple Rate Calculator

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Contact Us for Savings and Loan questions