Term Share Certificate
Boost Your Savings
Take Advantage of our Competitive CD Rates
How it all works
A Term Share Certificate is one of the many great account options we offer. In this account type, you agree to set aside your money for a specific amount of time in exchange for a higher dividend rate. Unlike many investment options, you’ll get a guaranteed rate of return. All you need is $500 to get started, but you can also choose to deposit much higher amounts. Plus, you’ll have plenty of flexibility when it comes to choosing a maturity date (when you can withdraw from your account again) and making renewal decisions.
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Various tiers and rates so you can pick what’s right for you
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Only a minimum of $500.00 is needed to open an account
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Competitive rates and a guaranteed return on your investment
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Select your own maturity date
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10-day grace period on all renewing certificates
Rates As High As 4.11% APY**
Final Balance
Contributions: | Earnings:
Loyalty & Patience Earn Rewards
By choosing a longer maturity date, you can secure a higher rate. The minimum balance to earn dividends is $500.
We also have a 15 month special with rates starting at 3.39% APY**.
Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to 0.15%) when they use our SIUCU Credit Card or Checking account.
Ready to get started, but still have some questions?
​Contact Us
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Membership required. Federally insured by NCUA. Limited time offer. Call 800-449-7301 for additional details. Penalty for early withdrawal.
1 Annual Percentage Yield. 3.35% Dividend Rate and $1,000 minimum balance to earn 3.37% APY.
2 Annual Percentage Yield. 4.26% Dividend Rate and $50,000 minimum balance to earn 4.26% APY. Minimum deposit of $50,000. Interest to be paid quarterly.
3 This service is free to active SIU Credit Union Active Checking and Visa® Platinum & Platinum Plus Credit Card Holders. APY is accurate as of 12.01.2024. Offer may end at anytime without notice.
Rates
Term Share Certificate Rates
| Type | Account | *Dividend Rate | **APY | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
1011 |
6 - 11 Months |
|
|
$1,000.00 |
|
1012 |
12 - 17 Months |
|
|
$1,000.00 |
|
1012 |
15 Month Special |
|
|
$1,000.00 |
|
1013 |
18 - 23 Months |
|
|
$1,000.00 |
|
1014 |
24 - 29 Months |
|
|
$500.00 |
|
1015 |
30 - 47 Months |
|
|
$500.00 |
|
1016 |
48 - 59 Months |
|
|
$500.00 |
|
1017 |
60 Months |
|
|
$500.00 |
Rates effective as of: January 19, 2025
***Subject to maturity.
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Rates discounts not reflected above.
| Type | Account | *Dividend Rate | **APY | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
1011 |
6 - 11 Months |
|
|
$50,000.00 |
|
1012 |
12 - 17 Months |
|
|
$50,000.00 |
|
1012 |
15 Month Special |
|
|
$50,000.00 |
|
1013 |
18 - 23 Months |
|
|
$50,000.00 |
|
1014 |
24 - 29 Months |
|
|
$50,000.00 |
|
1015 |
30 - 47 Months |
|
|
$50,000.00 |
|
1016 |
48 - 59 Months |
|
|
$50,000.00 |
|
1017 |
60 Months |
|
|
$50,000.00 |
Rates effective as of: January 19, 2025
***Subject to maturity.
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Rates discounts not reflected above.
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Rates effective as of: January 19, 2025
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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
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