We do not have enough information to give you a thorough answer. We can say as a general proposition that interest rates and fee laws can be exported from Illinois into other states under the Federal Deposit Insurance Act. 12 USC 1831d(a)Greenwood Trust Co. v. Com. of Mass., 971 F.2d 818, 824–25 (1st Circuit 1992). Other features of the contract, and other consumer protection issues, may be subject to another state’s laws. The question comes down to the specifics in the form and the laws of the other states.