Healthcare Savings Account Cards
More than just a Savings Account for Medical Expenses
Visa® HSA Cards
Healthcare Savings Accounts provide many advantages
Health savings accounts offer a rare triple tax break: your contributions are deductible, the money grows tax-deferred and withdrawals aren’t taxed if you have qualified medical expenses.
Key Benefits
YOU are in charge of your HSA assets
Deduct Contributions
You can deduct contributions that you make to your HSA on your federal income tax return.
Reduce Tax Liability
Any HSA contributions made through payroll deduction reduce your federal income tax liability and Social Security and Medicare taxes.
Earnings in your HSA grow tax-deferred.
You can withdraw money from your HSA any time.
Funds Don't Expire
You can carry over your HSA balance from year to year
Portable Account
You own the HSA and can take it with you even if you change health plans or employers.
Tax-free Distributions
HSA distributions that you use to pay for qualified medical expenses are tax-free.
To Apply, Speak with Us
Contact Us
Fees
| All Fees | Amount | Details |
|---|---|---|
| Card Purchase | up to $8.00 | Varies by credit union; check with your branch at time of purchase |
| Inactivity Fee | $5.00 |
Unless prohibited by your state’s law, if you do not use Card for 12 consecutive months, a $5.00 monthly inactivity fee will be applied starting in the 13th month of inactivity. The monthly inactivity fee will be applied until the value of your Card reaches zero, or until you make a purchase. For a list of states where inactivity fees are not
applied, visit www.cumoney.com/gift or call 1-833-729-2843. |
|
Lost/Stolen Card
Replacement Fee |
$10.00 |
If your Card is lost or stolen, you may get a replacement card for
$10.00. If your Card is lost or stolen, or you believe that there have been unauthorized transactions made to it, please notify LSC as soon as possible at 1-833-729-2843. |
Fees
| All Fees | Amount | Details |
|---|---|---|
| Card Purchase | up to $8.00 | Varies by credit union; check with your branch at time of purchase. |
| Inactivity Fee | $5.00 |
Except where prohibited by law, if you do not use your Card for 10 consecutive months, a $5.00 monthly inactivity fee will be applied starting in the 11th month of inactivity. The monthly
inactivity fee will be applied until the value of your Card reaches zero, or until you make a purchase. For a list of states where inactivity fees are not applied, visit www.cumoney.com or call 1-833-729-2853. |
| Lost/Stolen Card Replacement Fee | $5.00 | If your Card is lost or stolen, you may get a replacement card for $5.00. If your Card is lost or stolen, or you believe that there have been unauthorized transactions made to it, please notify LSC as soon as possible at 1-833-729-2853. |
| Expedited Delivery Fee | $35.00 | A $35.00 fee is charged for expedited delivery of a Card. |
| Automated Call System Fee | $0.50 | After the 4th call per month, a $0.50 fee is charged for each call made to the automated voice response system. |
| Live Customer Service Fee | $5.00 | After the 2nd call per month, a $5.00 fee is charged to call a live customer service representative. |
| ATM Balance Inquiry (US and International) | $1.50 | A $1.50 fee is charged for each ATM balance inquiry. If you use an ATM not owned by us, you may also be charged an additional fee by the ATM owner or operator. |
| ATM Withdrawal Fee—US | $1.50 | A $1.50 fee is charged for each US ATM withdrawal. If you use an ATM not owned by us, you may also be charged an additional fee by the ATM owner or operator. |
| ATM Withdrawal Fee— International | $2.00 for withdrawal & up to 2% of transaction amount for conversion fee | A $2.00 fee is charged for each international ATM withdrawal. A conversion fee of up to 2% of the international transaction amount is also charged. The exchange rate between the transaction currency and the billing currency is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable processing date, which rate may vary from the rate Visa receives, or the rate mandated by a government or governing body in effect for the applicable processing date. |
| Cash Out Fee | $15.00 | A $15.00 fee is charged to close and remove all remaining funds from your Card. |
| Denied Transaction Fee | $0.50 | If a transaction is denied, a $0.50 fee is charged. |
| Funding Fee | $2.00 | Each time funds are added to your Card, a $2.00 fee is charged. |
| International Transaction Fee | Up to 2% of transaction amount for conversion fee | A conversion fee of up to 2% of the international transaction amount is charged. The exchange rate between the transaction currency and the billing currency is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable processing date, which rate may vary from the rate Visa receives, or the rate mandated by a government or governing body in effect for the applicable processing date. |
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Rates effective as of: December 8, 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:
-
No monthly service fee
-
No minimum balance
-
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.