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Membership Benefits

  • The SIU Credit Union Difference

    What makes us different

    SIU Credit Union is a not-for-profit, cooperative financial institution where you’re the boss. The directives that guide SIU Credit Union come from members like you—not from some Board of Directors across the country. We’re locally-owned and have served the needs of southern Illinois for over 80 years.

    While banks are trying to maximize their profits, our earnings are returned to the membership in the form of additional services, higher dividends on savings, and lower loan rates. And remember— once a member always a member; once you join, you can be a member of SIU Credit Union for life.

    8 Quick Facts About SIU Credit Union

    1. Not for profit.
    2. Earnings are returned to members through services like free ATMs*, better rates, and lower fees.
    3. Insured by NCUA up to $250,000
    4. Credit unions are democratically governed, and elections are based on a one-member, one-vote philosophy.
    5. More than 80,000+ surcharge-free* ATMs.
    6. Credit unions are local, community based financial institutions. Members support their local communities when banking at a credit union.
    7. Credit unions have members, not shareholders.
    8. Board consists of unpaid volunteers.

    Popular Benefits

    We offer numerous benefits to each of our members, some which you won’t see at most financial institutions. Some of our most popular benefits include:

    View Benefits

    How to Join

    Interested in joining? Save time and a trip to the branch. SIU Credit Union lets you open most accounts (including a membership account) online. You can start your application now.

    Open an Account

    Prefer to open your account in person?

    Come by any of our branches. Here’s what you need to bring:

    • Driver’s license, state issued ID, military ID, or passport (for persons 16 and older) – cannot be expired
    • Original Social Security card (for persons 16 and younger)
    • Verification of address if incorrect on ID – must be “official” – such as electric bill, water bill, rental agreement, etc.

    Save some time and Schedule an Appointment.

  • Member Benefits


    Exclusive Member Benefits

    Save significant money on a variety of services with our exclusive member discounts and rewards program. Whether you need pet insurance, reliable internet, or just better prices on groceries, we are here to help.

    • Exclusive offers with low prices and other perks that members will love. These offers change throughout the year, so check with your local club to get the latest details.

      Sam’s Club Offers

    • Get the tax help you need and special member savings with TurboTax and H&R Block.

      • TurboTax – File with the #1 best-selling tax software, to help you get your taxes done right, and get your maximum refund, guaranteed. PLUS, as a credit union member you can save up to $15 when you file with TurboTax. Get started with TurboTax today!
      • H&R Block – Whether you want to meet with a tax pro in-office, via drop off, or send your documents virtually, let the tax pros do the rest. H&R Block will always get your biggest possible refund, guaranteed. PLUS, as a credit union member first-time filers receive $25 off their expert tax prep, and returning customers get the Tax Identity Shield® add-on. Get your H&R Block coupon now and save!

      Visit for TurboTax and H&R Block offer details and disclaimers.

    • Exclusive Savings for Credit Union Members.

      Learn More

    • Your Newest Member Benefit is Here! SIU Credit Union is excited to announce that Credit Union Travel is now available to all our members for free! Now you can save on 1.2 million brand-name hotels worldwide, plus book flights and car rentals – all from one place with 24/7 support.

      The $99 yearly membership fee is waived for all SIU Credit Union members, so sign up for free today at and start spending less & experiencing more!

      Sign Up Today

    • Nationwide® pet health insurance can help you manage the cost of veterinary care, from annual preventive care to accidents and illnesses.

      Receive preferred pricing as a SIU Credit Union member. Enjoy additional discounts when enrolling multiple pets. Save 5% when you enroll two or three pets, or 10% when you enroll four or more pets.*

      Learn More

    • Air Evac is committed to providing increased access to emergency trauma care to rural Americans. In a life- or limb-threatening medical emergency, a successful patient recovery often depends on the amount of time it takes to deliver that patient to the emergency room.

      Approximately 90% of Air Evac’s patient transports originate from a rural area as defined by the Centers for Medicare & Medicaid Services. Air Evac Lifeteam believes that those who choose a rural way of life should have the same benefits when it comes to emergency care as those who choose to live in a metropolitan community.

      SIU members can receive a 1-Year Membership for just $79 per household (a $20 discount). Download the application here or call your local Membership Sales Manager at 618-713-6125 for more information.

    • Since 1954, Delta Dental has been working to improve oral health and hygiene by emphasizing preventative care, because they believe that everyone deserves to enjoy a healthy smile.

      As America’s largest and most trusted dental benefits carrier, Delta Dental covers more Americans than any other dental benefits provider – and strives daily to make dental coverage more accessible and affordable to a wide variety of employers, groups and individuals.

      Complete the enrollment form and submit to SIU Credit Union via fax (618)-457-6999 or email. Visit Delta Dental’s website for more information.

    • SIU Credit Union is pleased to offer a new long distance telephone services and unlimited internet access to our members and friends. This is a national program for long distance, 800 service, and calling cards for both residential and business customers in the domestic United States.

      Call any time within Illinois for 5.9¢ per minute and state-to-state in the continental United States for 4.9¢ per minute.

      You can also have a personal or business 800 number with the same great rates and a small monthly fee, or use an 800 number with a PIN number and no monthly fee!

      All rates are the same 24 hours a day — 7 days a week. No minimums and no long-term agreements.

      This is not a promotional rate. If your monthly long distance will average $100 or more per month call for special rate.

      Features and benefits:

      • No codes to dial
      • No monthly minimums
      • No contracts necessary
      • 6 second increment billing
      • Fiber Optic Network
      • Live customer support (24/7)
      • Free calling cards 9.9¢ per minute
      • Simple billing with detailed calling list
      • State-to-state long distance at 4.9¢ per minute
      • 800 number inbound calling at same rates
      • Unlimited High Speed Dial-up Internet $11.95/month
      • International calling e.g. United Kingdom – 8¢ per minute
      • $2.99 Telecom Infrastructure Fee per month

      How to sign up: