ICUL Service Corporation



Illinois Credit Unions are invited to participate in the REAL Solutions Program.  General Information about the program is available.  Click on any of the links below to access additional information.


Retirement Fairs Information

REAL Solutions Recordings and Resources

REAL Solutions-Enhanced FiCEP Program
Financial Counseling Certification


Personal Finance Assessment Tool 


Biz Kid$ "Train the Teacher" Power Point 

To learn more about the REAL Solutions® program in Illinois, contact Melanie Murphy at

What is REAL Solutions?


The REAL Solutions® program – Relevant, Effective, Asset-building and Loyalty-producing is the signature program of the National Credit Union Foundation. The following programs, products and services are part of the REAL Solutions program: 


Small, Short Term Loan Program

ALL loans for less than $1,000 with repayment terms of less than 12 months (payday alternative loans are included

Financial Counseling for Members

Includes FiCEP-certified staff, Balance, Green Path, etc.

Financial Education for Adults

Includes seminars for members, workshops for non-members, SEGs, community, online education tools/programs

Financial Education for Youth

Includes NEFE, in-school branches, financial reality fairs, Biz Kid$, classroom presentations, tours of CU, Operation Hope, etc.

Financial Products for Youth

Includes no-fee  savings accounts w/ low minimum balance & opening deposit < $25, checking accounts, debit cards, CDs, etc.

Generation-Focused Products

Includes Matrimoney (R), Accounts for Seniors, Student Loans, etc.

Immigrant Outreach

Includes citizenship loans, international wire transfers, multi-lingual, multi-cultural staff, "Safe" accounts, etc.

Credit Rebuilding

Includes pre-paid debit cards, second-chance checking accounts, credit rebuilder loans; risk-based loans

Consumer-Friendly Loan Products

Includes first-time home buyer programs, non-predatory mortgage, home-equity and auto loans


Our Mission: To Serve You