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Rates effective as of: January 15, 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.

Current Rates

Auto Loans

as low as APR

Mortgages

as low as APR

Credit Cards

as low as APR
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What Makes SIUCU Different?

Glad you asked! We are a not-for-profit financial cooperative without a paid board of directors. This means we can help our members by providing more services, fewer fees, and better rates.

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People helping people

Each year, we donate our time and money back to our local community, through numerous efforts. For example, we’ve provided free financial education to over 40,000 local students at 183 schools in 2023.

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Can I Join?

You don't need to work or study at Southern Illinois University to become a member or apply for a loan.

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Rates effective as of: January 15, 2026

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Download the App

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 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

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)

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.

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Energy Drive-Up Temporarily Closed Reconstruction on our Energy Branch drive-up lanes started Monday, Jan. 12. The lobby is open normal hours & ATM is still available for walk-ups.