>
Loan FAQs
Have a Question? Get an Answer.
- About ICCU FAQs
- Account FAQs
- ATM FAQs
- Business FAQs
- Certificates of Deposit FAQs
- Checking FAQs
- Coronavirus FAQ
- Credit FAQs
- Debit Card FAQs
- eServices FAQs
- Financial Literacy FAQs
- ICCU Benefits FAQ
- IRA FAQs
- Loan FAQs
- Miscellaneous FAQs
- Mobile FAQs
- Mortgage FAQs
- Online Banking FAQs
- Product FAQs
- Savings FAQs
- Security FAQs
- Service FAQs
- Virtual Wallets FAQs
No, the credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report (without the score) by visiting AnnualCreditReport.com. If you have any problems, a Financial Service Representative would be happy to help you through the process.
You do need to qualify for membership in order to apply for a loan. Anyone who lives, works, or goes to school in Isabella County or any of the surrounding counties is eligible for membership at ICCU.
In order to obtain financing, you will need to become a member of ICCU.
Yes, ICCU offers business loans, including:
In order to start the application process, please use this form.
Yes, ICCU offers a wide-variety of mortgage products, including:
As well as these special mortgage products:
- Federal Housing Administration (FHA) Loan
- USDA Rural Development Loan
- Veterans' Affairs (VA) Loan
- Vacant Land Loan
ICCU does not offer student loans directly however, we do work with Sallie Mae Smart Option Student Loans if you are looking to finance for education.
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports, but often charge you for another product if you accept the report.
To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.
To make a payment on your loan at ICCU, you can:
- Use an outside debit/credit card to pay using our payment portal
- Transfer the payment from your ICCU account in It'sMe247 Online Banking
- Visit any ICCU office
- Mail your payment, including your name and loan suffix to ICCU
- Isabella Community Credit Union, P.O. Box 427, Mt. Pleasant, Michigan 48804-0427
Online
We'll contact you! Fill out the Business Loan Inquiry to have Jim call you.
In Person
Visit the Downtown Branch: at the corner of Broadway and Main streets in Mt. Pleasant, Michigan.
By Phone
Call Jim McClain 989-772- 6545
You can apply for a loan, credit card, or mortgage in person, at any ICCU office.
To apply online, click the button below.
For preapproval on an auto loan or mortgage, apply online or request an appointment at any office.
Because the federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year, consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you'll also keep an eye on identity theft.
To get a free copy of your credit report, visit AnnualCreditReport.com.
Members ages 14 to 17 may have a checking account with a debit card, as long as their parent/legal guardian is a joint owner on the account.
At this time, ICCU does not offer loans to members under the age of 18.
Cosigners lend their names and good credit histories to the person requesting the loan. Should this person be unable to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker's and cosigner's credit reports. Be sure to consider these responsibilities carefully before cosigning on a loan with someone else.
A signature loan is a loan without material collateral such as a car or home. You can use this loan for just about any purpose.
Everyday Quick Cash is ICCU's $1,000 member loyalty loan. If you're an ICCU member in good standing and have a direct deposit of $600 per month deposited into your ICCU account from the same payor for at least six months, you qualify! ICCU will not check your credit. To apply for the Everyday Quick Cash loan, stop by any ICCU office or apply securely online.
ICCU offers loans for almost any situation. With low rates and comfortable payment schedules, we're likely to have the perfect loan for you!
During business hours: Call ICCU at (989)773-5927
Outside business hours: Call ICCU and listen for the correct prompt; or
- For MasterCard debit cards, call 888-241-2510 (or 727-227-9012, if calling from outside the USA)
- For VISA credit cards, call 800-847-2911 (or 303-967-1096, if calling from outside the USA)