Service Charges
Fees and Service Charges effective as of: 02/16/2026.
Rates effective as of 01/15/2026.
The following Schedule of Service Charges is provided as a disclosure to the membership of costs pertaining to the following services.
Consumer
Download a Printable 2026 Consumer Service Charges here.
Business
Electronic Services
| Electronic Services | Charges |
|---|---|
| Mobile Banking | FREE |
| Mobile Deposit | FREE |
| Online Banking | FREE |
| Online Bill Pay | FREE |
| Phone Banking (JOY ) | FREE |
| Text Banking (JOY) | FREE |
| Account Alerts (email or text) | FREE |
Account Service Charges
| Account Service Charges (Consumer) | Charges |
|---|---|
| Account Activity Service Charge | $2/print out |
| Account Balancing Assistance Service Charge | $25/hour |
| Account Research Service Charge | $25/hour |
| Bad Address Service Charge | $5/month |
| Check Copy Service Charge | $2/check |
| Check Printing Service Charge | varies |
| Counter Check Service Charge | $2/page |
| eStatements | FREE |
| Fresh Start Checking | $5/month |
| Rebound Checking | $5/month |
| Inactive Account Service Charge (after 1 year) | $5/month |
| IRA Closure Service Charge | $25 |
| Membership Closure Service Charge (within 6 months) | $20 |
| Membership Service Charge (re-established within 6 months) | $10 |
| Outgoing ACH Setup | $5 |
| Paper Statement on Checking Accounts** | $1/month |
| Statement Copy Service Charge | $2/statement |
| Stop Payment Service Charge (Check/ACH item) | $29/item |
| Verification of Deposit | $5 |
| First Mortgage Payoff Statement Service Charge | $20 |
**Waived for Jr. Executives and Emeritus Checking Accounts.
Minimum Balance
| Minimum Balance | Charges |
|---|---|
| Bailey Bobcat Share Savings | $2/month |
| Basic Checking Account | $5/month |
| Custom Daily Share Savings Account | $5/month |
| Custom Market Account | $10/month |
| Jr. Executives Savings Share | $2/month |
| Membership Share Savings Account | $5/month |
| Premier Now Account | $10/month |
| Smart Young Investors Savings Share | $2/month |
Excess Withdrawal
| Excess Withdrawal | Charges |
|---|---|
| Custom Daily Share Savings Account | $5/withdrawal |
| Holiday Savings Account | $5/withdrawal |
Overdraft Service Charges
| Overdraft Service Charges (Consumer) | Charges |
|---|---|
| Insufficient Funds (NSF) | $10 |
| Online, Text, Mobile or JOY Phone Transfers | FREE |
| Overdraft Transfer | $1/item |
| Paid Overdraft | $25/item |
| Courtesy Pay | $25 |
| Courtesy Pay Reinstatement | $25 |
4 An NSF charge is assessed each time an item is presented against insufficient funds. The payee (or the payee's institution) may re-present a previously returned item. Each presentment against insufficient funds will result in a separate charge
Card Services
| Card Services | Charges |
|---|---|
| ATM Card Issuance Service Charge | $10 |
| Card Replacement Service Charge | $10/card |
| Allpoint & CO-OP Network ATM Transactions | FREE |
| SIUCU-Branded Network ATM Transaction | FREE |
| Foreign ATM PIN-Based Transaction Service Charge** | $3/transaction |
| POS Credit-Based Transaction | FREE |
| POS PIN-Based Transaction Service Charge | FREE |
| Merchant Block | $10 |
| Visa® Gift Cards |
$2 with SIUCU checking account $3 without SIUCU checking account |
| Visa® Every Day Money Card | $5 for initial load |
| Chip (EMV) Visa® Prepaid Travel Money Card |
$8 for initial load $2/re-load |
**Excludes participating CO-OP and Allpoint Network ATMs.
Transfer Service Charges
| Transfer Service Charges | Charges | |
|---|---|---|
| Collection Item Service Charge | ||
| Outgoing | $30 | |
| Domestic Wire Transfer Service Charge | ||
| Outgoing | $15/item | |
| Incoming | $5/item | |
| International Transfer Service Charge | ||
| Outgoing | $60 | |
| Incoming | $5 | |
| Wire Recall | $30 |
Safe Deposit Boxes
| Safe Deposit Boxes | Charges |
|---|---|
| 3 x 5 | $15/year |
| 3 x 10 | $20/year |
| 5 x 10 | $30/year |
| 10 x 10 | $50/year |
| Box Drill or Key Replacement | cost |
General Service Charges
| General Service (Consumer) | Charges |
|---|---|
| Cashier's Check Service Charge*** | $3/each |
| Certified Mail Charge for Cashier's Checks over $1000 | $5 |
| Check Cashing Service Charge (non-member) | $5 |
| Coin Counting |
Free to members 8% of total (for non-members) |
| Copy | $.25/page |
| Escheat Service Charge | $25 |
| Fax | $1.00/page |
| Foreign Currency Exchange | $15 plus costs |
| Levy Processing Service Charge | $50/levy |
| Loan Payment Over the Phone From External Account | $7.95 |
| Money Order Service Charge*** | $1.50/each |
| Non-Member Converting Check to Cashiers Check | $5 |
| Non-Wage Garnishment Processing Service Charge | $50/garnishment |
| Notary Public Service | FREE |
| Other IRS Processing Service Charge | $50/item |
| Signature Guarantee Service Charge | $10/guarantee |
| Subordination/Modification Agreement Service Charge | $75 |
| Online, Text, Mobile, or JOY Phone Transfers | FREE |
| Telephone Transfer | $1 |
| Legal Review of Account Documents | Attorney Fees/Costs |
| Overnight Delivery | Cost |
| Skip-A-Pay Loan Deferral - completed online or with self-serve kiosk | $20/use |
| Skip-A-Pay Loan Deferral - completed in-branch or by phone | $25/use |
***Waived for Basic Checking, Emeritus Checking, and Premier Now Accounts.
Account Service Charges
| Account Service Charges (Business) | Charges |
|---|---|
| Account Activity Service Charge | $2/print out |
| Account Analysis Service Charge | $10 |
| Account Balancing Assistance Service Charge | $25/hour |
| Account Research Service Charge | $25/hour |
| Bad Address Service Charge | $5/month |
| Check Copy Service Charge | $2/check |
| Check Printing Service Charge | varies |
| Counter Check Service Charge | $2/page |
| E-Statements | FREE |
| Inactive Account Service Charge (after 1 year) | $5/month |
| Membership Closure Service Charge (within 6 months) | $20 |
| Membership Service Charge (re-established within 6 months) | $10 |
| Outgoing ACH Setup | $5 |
| Paper Statement on Checking Accounts** | $1/month |
| Statement Copy Service Charge | $2/statement |
| Stop Payment Service Charge (Check/ACH item) | $29/item |
| Verification of Deposit | $5 |
Overdraft Service Charges
| Overdraft Service Charges (Business) | Charges |
|---|---|
| Insufficient Funds (NSF) | $10 |
| Online, Text, Mobile or JOY Phone Transfers | FREE |
| Overdraft Transfer | $1/item |
| Paid Overdraft | $25/item |
General Service Charges
| General Service (Business) | Charges |
|---|---|
| Additional Night Deposit Bag | $5 |
| Cashier's Check Service Charge*** | $3/each |
| Certified Mail Charge for Cashier's Checks over $1000 | $5 |
| Check Cashing Service Charge (non-member) | $5 |
| Coin Counting |
Free to members 8% of total (for non-members) |
| Copy | $.25/page |
| Deposit Correction Service Charge | $5 |
| Escheat Service Charge | $25 |
| Fax | $1.00/page |
| Foreign Currency Exchange | $15 plus costs |
| Levy Processing Service Charge | $50/levy |
| Loan Payment Over the Phone From External Account | $7.95 |
| Money Order Service Charge*** | $1.50/each |
| Non-Member Converting Check to Cashiers Check | $5 |
| Non-Wage Garnishment Processing Service Charge | $50/garnishment |
| Notary Public Service | FREE |
| Other IRS Processing Service Charge | $50/item |
| Signature Guarantee Service Charge | $10/guarantee |
| Subordination/Modification Agreement Service Charge | $75 |
| Online, Text, Mobile, or JOY Phone Transfers | FREE |
| Telephone Transfer | $1 |
| Legal Review of Account Documents | Attorney Fees/Costs |
| Overnight Delivery | Cost |
| Skip-A-Pay Loan Deferral |
$20/use Self-Service Online $25/us In-Branch or by Phone |
***Waived for Business Checking Plus Accounts. ****Reduced for Business Checking Plus Accounts.
Minimum Balance
| Minimum Balance (Business) | Charges |
|---|---|
| Business Share Savings | $5/month |
| Business Checking Plus | $8/month |
| Business Custom Market | $10/month |
Excess Withdrawal
| Excess Withdrawal (Business) | Charges |
|---|---|
| Business Custom Market | $5/withdrawal |
Transaction Service Charges
| Transaction Service (Business) | Charges |
|---|---|
| Business Checking***** | $0.15/item |
| Business Checking Plus****** | $0.10/item |
*****After 200 items each month (debit or credit combined) for all Accounts in the aggregate. ******After 400 items each month (debit or credit combined) for all Accounts in the aggregate.
Coin & Currency Service Charges
| Coin & Currency Service | Charges |
|---|---|
| Currency Ordering Service Charges | $0.60/strap |
| Rolled Coin Ordering Service Charges | $0.10/roll |
| Foreign Currency Ordering Service Charges | $10 plus costs |
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Rates effective as of: March 5, 2026
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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
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If you work for one of these organizations, talk to your HR Dept. about the benefits you’ll have with us!
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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
Secondary Market Fixed Rates
| Term | 0 Points | 1.00 Points |
|---|---|---|
| 30 Year - Fixed |
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| 20 Year - Fixed |
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| 15 Year - Fixed |
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| 10 Year - Fixed |
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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
| Term | 0 Points | 1.00 Points |
|---|---|---|
| 30 Year - Fixed |
|
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| 20 Year - Fixed |
|
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| 15 Year - Fixed |
|
|
| 10 Year - Fixed |
|
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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
| Term | 0 Points |
|---|---|
| 5/5 ARM (Adjustable Rate Mortgage) |
|
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
| Loan Type | Term | APR* |
|---|---|---|
| Unimproved Real Estate - Fixed (Land Loan) |
|
|
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)
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