Mortgage Rates
For current rates on Government Loans (FHA, VA, & USDA), please call us at 618-457-3595, ext. 3501.
Savings & Deposit Rates
Prime Rate
| Loan Type | Rate |
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Rates effective as of: February 1, 2026
Auto Loan Rates
| New Auto (2026-2025) Never Titled |
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| New Auto (2026-2025) Never Titled |
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| New Auto (2026-2025) Never Titled |
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New Auto (2026-2025) Never Titled
>$15,000 |
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New Auto (2026-2025) Never Titled
>$15,000 |
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New Auto (2026-2025) Never Titled
>$25,000, max LTV 100%, max mileage 10,000 |
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| Used Auto (2025-2015) Previously Titled |
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| Used Auto (2025-2015) Previously Titled |
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| Used Auto (2025-2015) Previously Titled |
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| Used Auto (2025-2015) Previously Titled |
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Used Auto (2025-2015) Previously Titled
>$15,000 |
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Used Auto (2025-2015) Previously Titled
>$15,000 |
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Used Auto (2025-2015) Previously Titled
>$25,000, max LTV 100%, max mileage 10,000 |
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| Used Auto (2014-2011) Titled |
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| Used Auto (2014-2011) Titled |
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| Used Auto (2014-2011) Titled |
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| Used Auto (2014-2011) Titled |
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| Pre-Owned Automobile (2010-2009) |
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Rates effective as of: February 1, 2026
*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 Rates
| Loan Type | Term | *APR |
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| New Motorcycle/ATV (Never Titled) |
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| New Motorcycle/ATV (Never Titled) |
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| Used Motorcycle/ATV (Titled) |
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| New Boat (2026-2025) |
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| Used Boat (2025-2011) |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
Small Business Vehicle Rates
| Loan Type | Term | *APR |
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| Other Titled - New & Used |
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| Other Titled - New & Used |
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| Other Non-Titled New |
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| Other Non-Titled New |
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| Other Non-Titled Used |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR). As low as.
Tractor
| Type | Term | *APR |
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| New Tractor - Never Titled |
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| New Tractor - Never Titled |
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| Used Tractor - Titled |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
Signature Loans
| Loan Type | Term | *APR |
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Signature Loan/Closed End
>$2,500 |
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Signature Loan/Open End
<$2,500 |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
Overdraft Protection Loans
| Loan Type | Term | *APR |
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| Overdraft Protection |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
**Not eligible for rate discounts.
Credit Builder Loan
| Loan Type | Term | *APR |
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| Credit Builder Loan | Pledge Share |
starts at |
Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
No Floor.
Fast Cash Loans
| Loan Type | Term | *APR |
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| Fast Cash |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
**Not eligible for rate discounts.
Home Equity Loans
| Type | Term | APR* |
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| Home Equity Line of Credit (HELOC) - Variable |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
Real Estate Loans
Mobile Homes
| Type | Loan Type | Term | *APR |
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| New Mobile Home - Never Titled | $10,000 + 20% DP |
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| New Mobile Home - Never Titled | $15,000 + 20% DP |
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| New Mobile Home - Never Titled | $20,000 + 20% DP |
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| Used Mobile Home (up to 20 years) | $10,000 + 20% DP |
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| Used Mobile Home (up to 20 years) | $15,000 + 20% DP |
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| Used Mobile Home (up to 20 years) | $20,000 + 20% DP |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
Term Note
| Loan Type | Term | *APR |
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| >$2,500 |
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| <$2,500 |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR).
**Not eligible for rate discounts.
Visa® Credit Card Rates
| Card Type | *APR |
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Rates effective as of: February 1, 2026
*Annual Percentage Rate (APR)
Bailey Bobcat
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executives *
Eligible for 13-17 year olds.
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Smart Young Investors*
Eligible for 18-24 year olds.
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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| Smart Young Investor* |
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| Smart Young Investor* |
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| Smart Young Investor* |
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| Smart Young Investor* |
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**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Custom Daily Savings
| Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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| Tier 2 ($500.00-$1999.99) |
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| Tier 3 ($2000.00-$9999.99) |
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| Tier 4 ($10,000.00-$24,999.99) |
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| Tier 5 ($25,000.00+) |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Special Savings
| Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Holiday Savings
| Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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Rates effective as of: February 1, 2026
**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 |
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| Custom Money Market |
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| Custom Money Market |
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| Custom Money Market |
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| Custom Money Market |
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| Custom Money Market |
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| Custom Money Market |
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Rates effective as of: February 1, 2026
**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 |
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| Health Savings Account |
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| Health Savings Account |
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| Health Savings Account |
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| Health Savings Account |
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| Health Savings Account |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Free Checking w/ E-Statements
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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| Free Checking with eStatements |
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| Free Checking with eStatements |
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| Free Checking with eStatements |
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| Free Checking with eStatements |
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| Free Checking with eStatements |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Emeritus
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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| Emeritus |
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| Emeritus |
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| Emeritus |
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| Emeritus |
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| Emeritus |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Premier Now
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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| Premier Now |
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| Premier Now |
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| Premier Now |
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| Premier Now |
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| Premier Now |
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Rates effective as of: February 1, 2026
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Individual Retirement Account Rates
| Account | Range | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
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Rates effective as of: February 1, 2026
**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.
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| Column Title | Column Title | Column Title |
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| Cell Value | Cell Value | Cell Value |
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Rates effective as of: February 1, 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
Â
If you work for one of these organizations, talk to your HR Dept. about the benefits you’ll have with us!
Â
Â
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 |
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| 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 |
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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:
*Annual Percentage Rate (APR)
SIUCU In-House Adjustable Rate
| Term | 0 Points |
|---|---|
| 5/5 ARM (Adjustable Rate Mortgage) |
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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)
Land Loans / Unimproved Real Estate
| Loan Type | Term | APR* |
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| Unimproved Real Estate - Fixed (Land Loan) |
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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)
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.