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AUTO LOANS
Rates as Low as*
2.50% APR*
FOR 60 MONTHS
Plus, No Payments for 90 Days
Apply Today
*with Possible Discount
Reveal Your Discount
Reveal Your Discount

Discounts Between
1.00% - 2.49% OFF

Your Approved Auto Loan Rate

Do Refis Qualify for Discounts?

YES! For Existing SIU Credit Union Auto Loans, Special Rules Apply. See Disclosures for Details.

What Kind of Rate Could I Expect?

Base Rate - Your Discount = Your New Lower Rate


How It Works

  • 1

    Apply

    Apply for an Auto Loan

  • 2

    Reveal

    Reveal Your Rate Discount

  • 3

    Enjoy!

    No Payments for 90 Days

Apply Now

Calculate Your Payment

See Rates

Monthly Payment

Loan Amount
$
Rate (APR)
%
Term
Apply Now

This calculation represents an estimate.

More Possible Rates

A & A+
|
-
For 60 Months

Base Rate:

B
-
For 60 Months

Base Rate:

C
-
For 60 Months

Base Rate:

*Annual Percentage Rate. Individual rate is determined by an evaluation of the applicant’s credit history and the loan term. Subject to credit approval. Your APR might be higher based on your credit score. Rate discount picked at random. The available rate discounts range from 1.00%–2.49% APR. All rates subject to change at any time without notice. Offer valid July 3 – August 31, 2026. Maximum term: 60 months. Offer applies to 2015 and newer vehicles not currently financed at SIU Credit Union. If refinancing an existing SIUCU loan, add $3000 to the total. No additional deductions allowed off promotional rate. Interest begins accruing upon disbursal of loan. Tax, title, and transfer fees payable to Illinois Secretary of State apply. Payment example: 2.50% APR for 60 months is $17.75 per $1,000 borrowed. Membership required. Insured by NCUA. Call 800-449-7301 for additional details.

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Example table

Rates effective as of: August 13, 2026

{Optional: Insert table disclosure information}

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Download the App

For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.

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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

See Rates

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

    • Open Online

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

Open Online

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

Open Online

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

 

If you work for one of these organizations, talk to your HR Dept. about the benefits you’ll have with us!

 

 

Our Education Groups

Membership is open to anyone who belongs to these education groups:

  • SIU Faculty, Staff, Student or Graduate
  • 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

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

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

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

Land Loans

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.

 

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