CU @ Work
Empowering Your Employees, Strengthening Your Business
CU @ Work
Empowering Your Employees,
Strengthening Your Business
A no-cost, high-value employee benefit that delivers financial confidence, reduces stress, and adds value where it matters most.
Empowering Businesses to Empower Their People
Your employees are your greatest asset. When they feel confident about money, they’re less stressed, more productive, and more loyal. CU@Work helps you attract and retain talent while giving your employees the tools to take control of their money and reach their financial goals.
Best part there is NO COST!
Attract & Retain Top Employees
Reduce Financial Stress & Absenteeism
Increase Workplace Engagement
No Cost to Your Business
63% of employees say financial stress impacts their work.
A Partnership That Works From Day One
Introduce SIU Credit Union benefits to new employees right from the start.
Face-to-face support, sharing promotions, & savings opportunities.
Banzai Wellness Center provided by SIUCU that can be customized to your business.
An engaged partner for your HR team & employees.
Tools, Education, & Confidence for Every Employee
Empowerment = Education + Tools + Confidence
SIUCU empowers your employees to build financial confidence with exclusive tools and resources, including:
Financial Wellness That Fits Every Stage of Life
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Partner with SIU Credit Union
Tailored CU@Work program for your business.
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Engage Your Employees
Through orientations, meet & greets, financial wellness, and online tools.
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See the Results
A more confident, engaged, and loyal =workforce.
Let’s Empower Your Team, Together!
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Rates effective as of: July 12, 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:
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No monthly service fee
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No minimum balance
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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
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
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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 |
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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:
*Annual Percentage Rate (APR)
SIUCU In-House Adjustable Rate
| Term | 0 Points |
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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
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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
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Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.