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Loan Rates

Prime Rate

Auto Loan Rates

Motorcycle, ATV & Boat Rates

Small Business Vehicle Rates

Tractor

Signature Loans

Overdraft Protection Loans

Pledge Share/Certificate Loan

Credit Builder Loan

Fast Cash Loans

Home Equity (HELOC) Loans

Mobile Homes

Term Note

Visa® Credit Card Rates

Mortgage Rates

Secondary Fixed Market Rates

In-House Fixed Rates

In-House Adjustable Rate / ARM

Land Loans

For current rates on Government Loans (FHA, VA, & USDA), please call us at 618-457-3595, ext. 3501.

Savings & Deposit Rates

Membership Shares

Bailey Bobcat

Jr. Executives*

Smart Young Investors*

Custom Daily Savings

Special Savings

Holiday Savings

Custom Money Market

Health Savings Account

Free Checking w/ eStatements

Emeritus

Premier Now

Term Share Certificate Rates

Individual Retirement Account Rates

Individual Retirement Share Account Rates

Prime Rate

Rates effective as of: March 16, 2026

Auto Loan Rates

Rates effective as of: March 16, 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

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)

Small Business Vehicle Rates

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR). As low as.

Tractor

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)

Signature Loans

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)

Overdraft Protection Loans

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)
**Not eligible for rate discounts.

Pledge Share/Certificate Loan

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)
No Floor.

Credit Builder Loan

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)
No Floor.

Fast Cash Loans

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)
**Not eligible for rate discounts.

Home Equity Loans

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)

Real Estate Loans

Mobile Homes

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)

Term Note

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR).
**Not eligible for rate discounts.

Visa® Credit Card Rates

Rates effective as of: March 16, 2026

*Annual Percentage Rate (APR)

Membership Shares

All Rates Effective March 1, 2023
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Bailey Bobcat

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Jr. Executives *

Eligible for 13-17 year olds.

Rates effective as of: March 16, 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.

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Custom Daily Savings

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Special Savings

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Holiday Savings

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Custom Money Market

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Health Savings Account

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Free Checking w/ E-Statements

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Emeritus

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Premier Now

Rates effective as of: March 16, 2026

**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.

Term Share Certificate Rates

Rates effective as of: March 16, 2026

***Subject to maturity.
**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.

Individual Retirement Account Rates

Rates effective as of: March 16, 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.

Individual Retirement Share Account Rates

Rates effective as of: March 16, 2026

Early IRA withdrawal is subject to IRS penalty, please contact your tax advisor.
Federally insured by NCUA.
*Annual Percentage Yield (APY)
**Membership Share dividends are declared monthly by the Board of Directors.

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Rates effective as of: March 16, 2026

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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)

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