Rates - SIU Credit Union

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Loan Rates

Prime Rate

Prime Rate
Prime Rate	3.25%

Auto Loan Rates

Type	Loan Type	Term	*APR
1700	New Auto (2021-2020)	24 Months	2.99%
	Never Titled	36 Months	2.99%
		48 Months	2.99%
		60 Months	2.99%
	>$15,000	72 Months	3.99%
1600	Used Auto (2020-2010)	24 Months	2.99%
	Previously Titled	36 Months	2.99%
		48 Months	2.99%
		60 Months	2.99%
	>$15,000	72 Months	3.99%
1600	Used Auto (2009-2008)	24 Months	2.99%
	Titled	36 Months	2.99%
		48 Months	2.99%
		60 Months	2.99%
1600	Pre-Owned Automobile (2007-2005)	12-36 Months	2.99%

*Annual Percentage Rate (APR). As low as.

Recreational Vehicles

Type	Loan Type	Term	*APR
1300	New Motorcycle/ATV (Never Titled)	24-60 Months	4.50%
		72 Months	5.50%
1200	Used Motorcycle/ATV (Titled)	24-60 Months	5.50%
1900	New Boat - 2021 - 2020	24-120 Months	6.00%
1800	Used Boat - 2019-2005	24-84 Months	6.75%
1500	New RV/Camper (Never Titled)	24-60 Months	5.75%
		72 Months	6.00%
		84 Months	6.25%
		120-144 Months	6.50%
1400	Used RV's/Campers (up to 20 years old) 2020-2000	24-60 Months	6.00%
		72-84 Months	6.25%
		120-144 Months	6.50%

*Annual Percentage Rate (APR)

Tractor

Type	Term	APR
New Tractor - Never Titled	24 - 60 Months	7.00%
New Tractor - Never Titled	72 Months	8.00%
Used Tractor - Titled	24 - 60 Months	8.00%

Signature Loans

Type	Loan Type	Term	*APR
4000	Signature Loan/Closed End	12-48 Months	6.99%
	>$2,500
	Signature Loan/Open End	12-36 Months	15.40%
	<$2,500

*Annual Percentage Rate (APR)

Real Estate Loans

Loan Type	Term	*APR
Home Equity LOC - Variable	Revolving	4.00%
Home Equity Up to 80% LTV	24-60 Months	n/a
	61-84 Months	n/a
	85-120 Months	n/a
	121-180 Months	n/a

81% - 90% LTV	24-60 Months	n/a
	61-84 Months	n/a
	85-120 Months	n/a
	121-180 Months	n/a

91% - 100% LTV Currently Not Available	24-60 Months	n/a
	61-84 Months	n/a
	85-120 Months	n/a
	121-180 Months	n/a

*Annual Percentage Rate (APR)

Construction Loans

Loan Type	Term	*APR
Construction Loan	12 Months	5.25%

*Annual Percentage Rate (APR)

Mobile Homes

Type	Term	APR
2200 New Mobile Home - Never Titled
$10,000 + 20% DP	60 Months	5.25%
$15,000 + 20% DP	84 Months	6.00%
$20,000 + 20% DP	120 Months	6.25%

2100 Used Mobile Home (up to 20 years)
$10,000 + 20% DP	60 Months	5.25%
$15,000 + 20% DP	84 Months	6.00%
$20,000 + 20% DP	120 Months	6.25%

VISA Credit Card Rates

Card Type	*APR
VISA Platinum	7.90%
VISA Platinum Plus	8.90%

*Annual Percentage Rate (APR)

Savings & Deposit Rates

Membership Shares - All Rates Effective January 1, 2021

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0001 Membership Shares*	Tier 1 ($.00-$4.99)	0.00%	0.00%	$0.00
	Tier 2 ($5-$1,999.99)	0.10%	0.10%	$5.00
	Tier 3 ($2000.00-$9999.99)	0.13%	0.13%	$2,000.00
	Tier 4 ($10,000.00-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000.00+)	0.25%	0.25%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Bailey Bobcat

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0012 Bailey Bobcat	Tier 1 ($.00-$4.99)	0.00%	0.00%	$0.00
	Tier 2 ($5 - $1,999.99)	0.10%	0.10%	$5.00
	Tier 3 ($2000.00-$9999.99)	0.13%	0.13%	$2,000.00
	Tier 4 ($10,000.00-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000.00+)	0.25%	0.25%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Jr. Executives *

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0017 Jr. Executives *	Tier 1 ($.00-$500)	0.95%	0.95%	$0.00
	Tier 2 ($500.01 -$1,999.99)	0.10%	0.10%	$500.00
	Tier 3 ($2000.00-$9999.99)	0.13%	0.13%	$2,000.00
	Tier 4 ($10,000.00-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000.00+)	0.25%	0.25%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Smart Young Investors*

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0024 Smart Young Investor*	Tier 1 ($.00-$2,500)	1.20%	1.19%	$0.00
	Tier 2 ($2,500.01 -$9,999.99)	0.13%	0.13%	$2,000.00
	Tier 3 ($10,000.00-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000.00+)	0.25%	0.25%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Custom Daily Savings

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0002 Custom Daily Savings	Tier 1 ($0-$499.99)	0.00%	0.00%	$0.00
	Tier 2 ($500.00-$1999.99)	0.10%	0.10%	$500.00
	Tier 3 ($2000.00-$9999.99)	0.13%	0.13%	$2,000.00
	Tier 4 ($10,000.00-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000.00+)	0.25%	0.25%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Special Savings

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0007	Special Savings	0.15%	0.15%	$10.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Holiday Savings

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0005	Holiday Savings	0.15%	0.15%	$0.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Custom Money Market

Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0059 Custom Money Market	Tier 1($0.01-$4999.99)	0.15%	0.15%	$0.01
	Tier 2 ($5000.00-$9,999.99)	0.20%	0.20%	$5,000.00
	Tier 3 ($10,000.00-$24,999.99)	0.25%	0.25%	$10,000.00
	Tier 4 ($25,000.00-$49,999.99)	0.30%	0.30%	$25,000.00
	Tier 5 ($50,000.00- $99,999.99)	0.35%	0.35%	$50,000.00
	Tier 6 ($100,000+)	0.40%	0.40%	$100,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Emeritus

	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0055 Emeritus	Tier 1 ($0-$999.99)	0.00%	0.00%	$0.00
	Tier 2 ($1000-$1999.99)	0.05%	0.05%	$1000.00
	Tier 3 ($2000-$9999.99)	0.10%	0.10%	$2000.00
	Tier 4 ($10,000-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000 +)	0.20%	0.20%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Premier Now

	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
0050 Premier Now	Tier 1 ($0-$999.99)	0.00%	0.00%	$0.00
	Tier 2 ($1000-$1999.99)	0.05%	0.05%	$1000.00
	Tier 3 ($2000-$9999.99)	0.10%	0.10%	$2000.00
	Tier 4 ($10,000-$24,999.99)	0.15%	0.15%	$10,000.00
	Tier 5 ($25,000 +)	0.20%	0.20%	$25,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Term Share Certificate Rates

	Type	Account	**APY	*Dividend Rate	Min. Bal. to Earn Dividends/Interest
$500.00 - $49,999.99	1011	6 - 11 Months	0.15%	0.15%	$1000.00
	1012	12 - 17 Months	0.30%	0.30%	$1000.00
	1013	18 - 23 Months	0.40%	0.40%	$1000.00
	1014	24 - 29 Months	0.50%	0.50%	$500.00
	1015	30 - 47 Months	0.60%	0.60%	$500.00
	1016	48 - 59 Months	0.70%	0.70%	$500.00
	1017	60 Months	0.80%	0.80%	$500.00

$50,000 +	1011	6 - 11 Months	0.20%	0.20%	$50,000.00
	1012	12 - 17 Months	0.35%	0.35%	$50,000.00
	1013	18 - 23 Months	0.45%	0.45%	$50,000.00
	1014	24 - 29 Months	0.55%	0.55%	$50,000.00
	1015	30 - 47 Months	0.65%	0.65%	$50,000.00
	1016	48 - 59 Months	0.75%	0.75%	$50,000.00
	1017	60 Months	0.85%	0.85%	$50,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Individual Retirement Account Rates

Account	Type	Range	**APY	*Dividend Rate	Min. Bal. to Earn Dividends
Traditional	Roth	$1000 - $49,999.99
1072	1082	12 - 17 Months	0.30%	0.30%	$1000.00
1073	1083	18 - 23 Months	0.40%	0.40%	$1000.00
1074	1084	24 - 29 Months	0.50%	0.50%	$1000.00
1075	1085	30 - 47 Months	0.60%	0.60%	$1000.00
1076	1086	48 - 59 Months	0.70%	0.70%	$1000.00
1077	1087	60 Months	0.80%	0.80%	$1000.00
Traditional	Roth	$50,000 +
1072	1082	12 - 17 Months	0.35%	0.35%	$50,000.00
1073	1083	18 - 23 Months	0.45%	0.45%	$50,000.00
1074	1084	24 - 29 Months	0.55%	0.55%	$50,000.00
1075	1085	30 - 47 Months	0.65%	0.65%	$50,000.00
1076	1086	48 - 59 Months	0.75%	0.75%	$50,000.00
1077	1087	60 Months	0.85%	0.85%	$50,000.00

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Individual Retirement Share Account Rates

Account	Type	Range	**APY	*Dividend Rate	Min. Bal. to Earn Dividends
Traditional	Roth
0008	0080	$200-$4999.99	0.15%	0.15%	$200.00
0008	0080	$5000-$9999.99	0.20%	0.20%	$5000.00
0008	0080	$10,000-$24,999.99	0.25%	0.25%	$10,000.00
0008	0080	$25,000-$49,999.99	0.30%	0.30%	$25,000.00
0008	0080	$50,000.00+	0.35%	0.35%	$50,000.00

Early IRA withdrawal is subject to IRS penalty… contact your tax advisor.
Federally insured by NCUA.
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.