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Rates

  • Loan Rates

    Prime Rate


    Prime Rate
    Prime Rate 7.75%

    Auto Loan Rates


    Type Loan Type Term *APR
    1700 New Auto (2025-2023) 24 Months 5.24%
    Never Titled 36 Months 5.24%
    48 Months 5.24%
    60 Months 5.24%
    >$15,000 72 Months 6.24%
    >$15,000 75 Months 6.49%
    >$25,000, max LTV 100%, max mileage 10,000 84 Months 7.24%
    1600 Used Auto (2024-2015) 24 Months 6.49%
    Previously Titled 36 Months 6.49%
    48 Months 6.49%
    60 Months 6.49%
    >$15,000 72 Months 7.49%
    >$15,000 75 Months 7.49%
    >$25,000, max LTV 100%, max mileage 10,000 84 Months 7.99%
    1600 Used Auto (2014-2010) 24 Months 7.49%
    Titled 36 Months 7.49%
    48 Months 7.49%
    60 Months 7.49%
    1600 Pre-Owned Automobile (2009-2008) 12-36 Months 7.49%

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

    Members can take advantage of our Loyalty Bundle and qualify for additional rate discounts (up to .75%) when they use our SIUCU Credit Card or Checking account, and a .25% rate discount when enrolled in automatic loan payments. Rates discounts not reflected above.

    Recreational Vehicles


    Type Loan Type Term *APR
    1300 New Motorcycle/ATV (Never Titled) 24-60 Months 7.50%
    72 Months 7.74%
    1200 Used Motorcycle/ATV (Titled) 24-60 Months 7.74%
    1900 New Boat - 2025 - 2023 24-120 Months 9.00%
    1800 Used Boat - 2023-2010 24-84 Months 9.74%
    1500 New RV/Camper (Never Titled) 24-60 Months 8.74%
    72 Months 9.00%
    84 Months 9.25%
    120-144 Months 9.50%
    1400 Used RV's/Campers (up to 20 years old) 2024-2004 24-60 Months 9.00%
    72-84 Months 9.25%
    120-144 Months 9.50%

    *Annual Percentage Rate (APR)

    Small Business Vehicle Rates


    Type Loan Type Term *APR
    7800 Other Titled - New & Used 24 - 60 Months 8.00%
    72 Months 9.00%
    7400 Other Non-Titled New 24 - 60 Months 9.74%
    72 Months 10.74%
    Other Non-Titled Used 24 - 60 Months 10.74%

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

    Tractor


    Type Term APR
    New Tractor - Never Titled 24 - 60 Months 9.74%
    New Tractor - Never Titled 72 Months 10.74%
    Used Tractor - Titled 24 - 60 Months 10.74%

    Signature Loans


    Type Loan Type Term *APR
    4000 Signature Loan/Closed End 12-48 Months 10.99%
    >$2,500
    5100 Signature Loan/Open End 12-36 Months 15.65%
    <$2,500
    4600 Holiday Promotion 12-24 Months 9.99%

    *Annual Percentage Rate (APR)

    Overdraft Protection Loans


    Type Loan Type Term *APR
    5200 Overdraft Protection 36 Months 18.00%

    *Annual Percentage Rate (APR) **Not eligible for rate discounts.

    Pledge Share/Certificate Loan


    Type Loan Type Term *APR
    1000 Pledge Share/Certificate Loan Certificate Term Rate + 3%

    No Floor.

    Credit Builder Loan


    Type Loan Type Term *APR
    1100 Credit Builder Loan Pledge Share Rate + 3%

    No Floor.

    Fast Cash Loans


    Type Loan Type Term *APR
    2000 Fast Cash 12 Months 18.00%

    *Annual Percentage Rate (APR) **Not eligible for rate discounts.

    Real Estate Loans


    Loan Type Term *APR
    Home Equity LOC - Variable Revolving 7.75%
    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
    Unimproved Real Estate - Fixed 12-84 Months 10.75%

    *Annual Percentage Rate (APR)

    Mobile Homes


    Type Term APR
    2200 New Mobile Home - Never Titled
    $10,000 + 20% DP 60 Months 10.50%
    $15,000 + 20% DP 84 Months 11.25%
    $20,000 + 20% DP 120 Months 11.50%
    2100 Used Mobile Home (up to 20 years)
    $10,000 + 20% DP 60 Months 11.00%
    $15,000 + 20% DP 84 Months 11.75%
    $20,000 + 20% DP 120 Months 11.99%

    Term Note


    Type Loan Type Term *APR
    4100 Term Note 6 Months 11.90%
    >$2,500
    4100 Term Note 6 Months 15.90%
    <$2,500

    *Annual Percentage Rate (APR). **Not eligible for rate discounts.

    Visa® Credit Card Rates


    Card Type *APR
    SIUCU Visa® Credit 9.90%
    SIUCU Visa® Rewards Credit 10.90%

    *Annual Percentage Rate (APR)

  • Savings & Deposit Rates

    Membership Shares - All Rates Effective March 1, 2023


    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) 0.30% 0.30% $5.00
    Tier 3 ($2000.00-$9999.99) 0.35% 0.35% $2,000.00
    Tier 4 ($10,000.00-$24,999.99) 0.40% 0.40% $10,000.00
    Tier 5 ($25,000.00+) 0.50% 0.50% $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) 0.30% 0.30% $5.00
    Tier 3 ($2000.00-$9999.99) 0.35% 0.35% $2,000.00
    Tier 4 ($10,000.00-$24,999.99) 0.40% 0.40% $10,000.00
    Tier 5 ($25,000.00+) 0.50% 0.50% $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) 0.30% 0.30% $500.01
    Tier 3 ($2000.00-$9999.99) 0.35% 0.35% $2,000.00
    Tier 4 ($10,000.00-$24,999.99) 0.40% 0.40% $10,000.00
    Tier 5 ($25,000.00+) 0.50% 0.50% $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) 0.35% 0.35% $2,500.01
    Tier 3 ($10,000.00-$24,999.99) 0.40% 0.40% $10,000.00
    Tier 5 ($25,000.00+) 0.50% 0.50% $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% N/A
    Tier 2 ($500.00-$1999.99) 0.30% 0.30% $500.00
    Tier 3 ($2000.00-$9999.99) 0.35% 0.35% $2,000.00
    Tier 4 ($10,000.00-$24,999.99) 0.40% 0.40% $10,000.00
    Tier 5 ($25,000.00+) 0.50% 0.50% $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 0.30% 0.30% $0.00

    **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 0.30% 0.30% $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) 1.61% 1.60% $0.01
    Tier 2 ($5000.00-$9,999.99) 1.66% 1.65% $5,000.00
    Tier 3 ($10,000.00-$24,999.99) 1.71% 1.70% $10,000.00
    Tier 4 ($25,000.00-$49,999.99) 1.81% 1.80% $25,000.00
    Tier 5 ($50,000.00- $99,999.99) 1.97% 1.95% $50,000.00
    Tier 6 ($100,000+) 2.07% 2.05% $100,000.00

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

    Health Savings Account


    Type Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest
    0062 Health Savings Account Tier 1($0.01-$4999.99) 1.61% 1.60% $0.01
    Tier 2 ($5000.00-$9,999.99) 1.66% 1.65% $5000.00
    Tier 3 ($10,000.00-$24,999.99) 1.71% 1.70% $10,000.00
    Tier 4 ($25,000.00-$49,999.99) 1.81% 1.80% $25,000.00
    Tier 5 ($50,000.00 and up) 2.07% 2.05% $50,000.00

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

    Free Checking w/E-Statements


    Account **APY *Dividend Rate Min. Bal. to Earn Dividends/Interest
    0077 Free Checking w/E-Statements Tier 1 ($0-$999.99) 0.00% 0.00% N/A
    Tier 2 ($1000-$1999.99) 0.20% 0.20% $1000.00
    Tier 3 ($2000-$9999.99) 0.25% 0.25% $2000.00
    Tier 4 ($10,000-$24,999.99) 0.30% 0.30% $10,000.00
    Tier 5 ($25,000 +) 0.35% 0.35% $25,000.00

    **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% N/A
    Tier 2 ($1000-$1999.99) 0.20% 0.20% $1000.00
    Tier 3 ($2000-$9999.99) 0.25% 0.25% $2000.00
    Tier 4 ($10,000-$24,999.99) 0.30% 0.30% $10,000.00
    Tier 5 ($25,000 +) 0.35% 0.35% $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) 0.20% 0.20% $1000.00
    Tier 3 ($2000-$9999.99) 0.25% 0.25% $2000.00
    Tier 4 ($10,000-$24,999.99) 0.30% 0.30% $10,000.00
    Tier 5 ($25,000 +) 0.35% 0.35% $25,000.00

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

    Term Share Certificate Rates


    Type Account *Dividend Rate **APY Min. Bal. to Earn Dividends/Interest
    $500.00 - $49,999.99 1011 6 - 11 Months 3.95% 4.00% $1,000.00
    1012 12 - 17 Months 3.10% 3.13% $1000.00
    1012 15 Month Special 3.35% 3.39% $1000.00
    1013 18 - 23 Months 3.00% 3.03% $1000.00
    1014 24 - 29 Months 3.10% 3.13% $500.00
    1015 30 - 47 Months 3.20% 3.23% $500.00
    1016 48 - 59 Months 3.30% 3.34% $500.00
    1017 60 Months 3.50% 3.54% $500.00
    $50,000 + 1011 6 - 11 Months 4.05% 4.11% $50,000.00
    1012 12 - 17 Months 3.20% 3.23% $50,000.00
    1012 15 Month Special 3.45% 3.49% $50,000.00
    1013 18 - 23 Months 3.10% 3.13% $50,000.00
    1014 24 - 29 Months 3.20% 3.23% $50,000.00
    1015 30 - 47 Months 3.30% 3.34% $50,000.00
    1016 48 - 59 Months 3.40% 3.44% $50,000.00
    1017 60 Months 3.60% 3.64% $50,000.00

    ***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.

    Individual Retirement Account Rates


    Account Type Range *Dividend Rate **APY Min. Bal. to Earn Dividends
    Traditional Roth $1000 - $49,999.99
    1072 1082 12 - 17 Months 3.10% 3.13% $1000.00
    1072 1082 15 Month Special 3.35% 3.39% $1000.00
    1073 1083 18 - 23 Months 3.00% 3.03% $1000.00
    1074 1084 24 - 29 Months 3.10% 3.13% $1000.00
    1075 1085 30 - 47 Months 3.20% 3.23% $1000.00
    1076 1086 48 - 59 Months 3.30% 3.34% $1000.00
    1077 1087 60 Months 3.50% 3.54% $1000.00
    Traditional Roth $50,000 +
    1072 1082 12 - 17 Months 3.20% 3.23% $50,000.00
    1072 1082 15 Month Special 3.45% 3.49% $50,000.00
    1073 1083 18 - 23 Months 3.10% 3.13% $50,000.00
    1074 1084 24 - 29 Months 3.20% 3.23% $50,000.00
    1075 1085 30 - 47 Months 3.30% 3.34% $50,000.00
    1076 1086 48 - 59 Months 3.40% 3.44% $50,000.00
    1077 1087 60 Months 3.60% 3.64% $50,000.00

    **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.

    Individual Retirement Share Account Rates


    Account Type Range *Dividend Rate **APY Min. Bal. to Earn Dividends
    Traditional Roth
    0008 0080 $200-$4999.99 1.60% 1.61% $200.00
    0008 0080 $5000-$9999.99 1.65% 1.66% $5000.00
    0008 0080 $10,000-$24,999.99 1.70% 1.71% $10,000.00
    0008 0080 $25,000-$49,999.99 1.80% 1.81% $25,000.00
    0008 0080 $50,000.00+ 2.05% 2.07% $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.