Interested in Ordering More Checks?
Ordering checks with SIU Credit Union is fast and simple. There are a few ways you can do so.
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To re-order checks online, visit Harland Clarke, enter your Routing/Transit Number and Account Number and follow the simple instructions.
When you order checks online, you can enjoy fun options like creating your own check design.
If you have already placed an order for checks and simply want to check on your status, enter your Routing/Transit number and your account number. Next, click on the “Check My Order Status” button.
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You can also order checks via online banking. However this service is only available if a prior check order exists for your checking account. To order, login with your browser on desktop and select More on the top right. On this drop-down, select Check Ordering.
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To order by phone, just give us a call at 618-457-3595 or 1-800-449-7301.
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Stop by any of our branches and a representative will be able to help you as well.
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Rates effective as of: February 14, 2026
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Open Account
Download the App
For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.
Business Free Checking
This account is perfect for startups, home offices, and businesses with smaller transactions and balances.
Here are some of the best features:
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No monthly service fee
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No minimum balance
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Only $25 to Open
How to Make a Transfer
Bailey Bobcat Rates
Bailey Bobcat Savings
• Only $5 to Open
• No Minimum Balance
• Up to 0.50% APY1
• Dividends Paid Monthly2
• One Free Withdrawal per Month
$5 for Each Additional
1 Annual Percentage Yield (APY)
2 Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executive
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Smart Young Investors
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Bailey Bobcat
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Jr. Executive Rates
Bailey Bobcat Rates
Smart Young Investors Rates
How to Enroll in Online Banking
Let us help you get started!
Eligible Family Members
- Parents
- Spouse
- Children
- Siblings
- Grandchildren
- Grandparents
Our Counties
Membership is open to anyone who lives or works in these 24 counties:
- Alexander
- Clinton
- Edwards
- Franklin
- Gallatin
- Hamilton
- Hardin
- Jackson
- Jefferson
- Johnson
- Marion
- Massac
- Monroe
- Perry
- Pope
- Pulaski
- Randolph
- Saline
- Wabash
- Washington
- Wayne
- White
- 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
Employer Group Benefits
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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!
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Our Education Groups
Membership is open to anyone who belongs to these education groups:
- SIU Faculty, Staff or Student
- SIU Emeritus and Adjunct Status
- 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
Secondary Market Fixed Rates
| Term | 0 Points | 1.00 Points |
|---|---|---|
| 30 Year - Fixed |
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| 20 Year - Fixed |
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| 15 Year - Fixed |
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| 10 Year - Fixed |
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All listed interest rates are based on loan amounts $100,000 - $149,000 with 5% down payment and credit score ≥ 740. All rates are listed as Annual Percentage Rates. Other rates and terms available. Individual rate is determined by risk based scoring, loan to value, and amount borrowed. Your actual rate may vary. Offer subject to credit approval. All rates subject to change of any time without notice. PMI required on loans where LTV exceeds 80%. Membership required. Federally insured by NCUA. Call 800-449-7301, ext. 3501 for additional details.
Effective Date:
*Annual Percentage Rate (APR)
Effective Date:
SIU Credit Union In-House Fixed Rates
| Term | 0 Points | 1.00 Points |
|---|---|---|
| 30 Year - Fixed |
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| 20 Year - Fixed |
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| 15 Year - Fixed |
|
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| 10 Year - Fixed |
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All listed interest rates are based on loan amounts $100,000 - $149,000 with 5% down payment and credit score ≥ 740. All rates are listed as Annual Percentage Rates. Other rates and terms available. Individual rate is determined by risk based scoring, loan to value, and amount borrowed. Your actual rate may vary. Offer subject to credit approval. All rates subject to change of any time without notice. PMI required on loans where LTV exceeds 80%. Membership required. Federally insured by NCUA. Call 800-449-7301, ext. 3501 for additional details.
Effective Date:
*Annual Percentage Rate (APR)
Effective Date:
*Annual Percentage Rate (APR)
SIUCU In-House Adjustable Rate
| Term | 0 Points |
|---|---|
| 5/5 ARM (Adjustable Rate Mortgage) |
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All listed interest rates are based on loan amounts $100,000 - $149,000 with 5% down payment and credit score ≥ 740. All rates are listed as Annual Percentage Rates. Other rates and terms available. Individual rate is determined by risk based scoring, loan to value, and amount borrowed. Your actual rate may vary. Offer subject to credit approval. All rates subject to change of any time without notice. PMI required on loans where LTV exceeds 80%. Membership required. Federally insured by NCUA. Call 800-449-7301, ext. 3501 for additional details.
Effective Date:
*Annual Percentage Rate (APR)
Effective Date:
*Annual Percentage Rate (APR)
Land Loans / Unimproved Real Estate
| Loan Type | Term | APR* |
|---|---|---|
| Unimproved Real Estate - Fixed (Land Loan) |
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All listed interest rates are based on loan amounts $100,000 - $149,000 with 5% down payment and credit score ≥ 740. All rates are listed as Annual Percentage Rates. Other rates and terms available. Individual rate is determined by risk based scoring, loan to value, and amount borrowed. Your actual rate may vary. Offer subject to credit approval. All rates subject to change of any time without notice. PMI required on loans where LTV exceeds 80%. Membership required. Federally insured by NCUA. Call 800-449-7301, ext. 3501 for additional details.
Effective Date:
*Annual Percentage Rate (APR)
Leaving Our Website
SIU Credit Union provides links to external sites for the convenience of its members. By clicking “Continue” you will be directed to an external website owned and operated by a third party. SIU Credit Union is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. When you exit our site, our Privacy Policy is no longer in effect.
Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.