Loyalty Bundle
We like you,
you like us
Let's give you a bonus for that
A high-five you can put in your wallet
Our Loyalty Bundle is just that – a financial high-five for using our accounts. If you are an active SIU Credit Union checking or Visa®credit card user, get a discount on your next auto loan rate up to 0.75% APR* off. If a member enrolls in Automatic Loan Payments, they can receive another .25% off!
Loyalty Bundle
Active SIU CU Checking Account & Credit Card
=
0.75% OFF APR*
your next consumer loan
Better Rates on CDs
Our Loyalty Bundle also includes Certificate of Deposit (CD) rate bumps.
All members who have a CD or Share Certificate with SIUCU are automatically eligible for an additional rate bump of .05% when they have an active SIUCU checking account or a SIUCU credit card. If the member has both products, they can receive a .15% increase.
Increases are applied at opening and upon maturity after review. There’s nothing else that needs to be done!
Find out if you currently qualify for a discount or rate bump
Contact Us
-
Membership required. Federally insured by NCUA. Offer may end at any time without notice. All loans subject to credit approval. Annual Percentage Rate. APR is determined by an evaluation of the applicant’s credit history and the loan term. No additional deductions allowed with promotional rate. Title transfer fees payable to Illinois Secretary of State apply. This service is free to active SIU Credit Union Active Checking and SIUCU Visa® Credit & Rewards Credit Cardholders. An active checking account is considered as at least 3 transactions a month for the past 3 months. An active credit card is considered as at least 3 transactions a month for the past 3 months. Maximum discount that can be achieved is 1.00% APR off approved rate. Excludes mortgages. Call 800-449-7301 for additional details.
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Rates effective as of: May 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:
-
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
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 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
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.