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Notice of Change in Terms

Effective July 1, 2025, SIU Credit Union revised its Funds Availability Policy to expedite the availability of funds subject to certain deposit check holds. For the following hold policies, the amounts have been increased as shown below. Also included is a notice of changes to Arbitration Agreement.

Reservation of Right to Hold & Credit Union ATMs

Current: The first $225 of your deposit will be available on the [first business day]. AMOUNT IS INCREASED TO $275.

Longer Delays May Apply

Current: We may delay your ability to withdraw funds deposited by check into your account for an additional number of days if you deposit checks totaling more than $5,525 on any one (1) day. AMOUNT IS INCREASED TO $6,725.

Special Rules for New Accounts

Current: Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks, will be available on the first business day after the day of your deposit. AMOUNT IS INCREASED TO $6,725.

Updates to Arbitration Agreement

We have also updated Provision 26 of the MSA Part 2 to reflect that the mass arbitration procedures will apply if warranted under the arbitration provider’s rules.

                                          

To see updated disclosures, see links below:

Funds Availability Policy – Effective July 1, 2025
Member Service Agreement, Part 2 – Effective July 1, 2025

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Rates effective as of: July 14, 2025

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1 Annual Percentage Yield (APY)
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  • Social Security Card
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If Parent/Guardian is not an existing member, they will need to bring:

  • $5
  • Date of Birth
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  • Driver’s License / State Issued Photo ID

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Eligible Family Members

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Our Counties

Membership is open to anyone who lives or works in these 24 counties:

  • Alexander
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  • Hamilton
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  • Jackson
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  • Monroe
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  • Wayne
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  • Williamson
  • Union

Our Select Employer Groups

Membership is open to anyone who lives or works for our member companies (SEGs):

  • Center for Comprehensive Services
  • Centerstone
  • City of Carbondale
  • Gateway Foundation
  • Illinois Youth Center
  • Marion VA Medical Center
  • Sam’s Club of Marion
  • Shawnee Health Services
  • Shawnee Library System
  • SIU Alumni Association
  • Southern Illinois Healthcare Services
  • West Frankfort Municipal Group (City Employees)
  • Williamson County

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If you work for one of these organizations, talk to your HR Dept. about the benefits you’ll have with us!

 

 

Our Education Groups

Membership is open to anyone who belongs to these education groups:

  • SIU Faculty, Staff or Student
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  • SIU Foundation Employee
  • John A. Logan Employee or Student
  • Retired or active school employees located in the counties of:
    Alexander, Clinton, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jefferson, Johnson, Marion, Massac, Monroe, Perry, Pope, Pulaski, Randolph, Saline, Wabash, Washington, Wayne, White, Williamson, or Union.

Our Associatons

Membership is open to anyone who belongs to these associations:

  • Lake of Egypt Association of Property Owners
  • Local 702 International Brotherhood of Electrical Workers
  • Laborers’ International Union of North America Local 773
  • Sam’s Club of Marion
  • SIU Alumni Association

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