Mortgage
A place to come home to
Looking to get settled in?
Make an appointment and we'll help you every step of the way.
Your dream home awaits
If you’re looking for a home, then you want the right partner by your side. SIU Credit Union has helped thousands of our members find their dream homes with affordable rates and personalized customer service. We offer conventional mortgages, as well as a variety of special options, including VA loans, FHA loans, and USDA home loans. No matter your circumstances or goals, we’d love to sit down and talk to you about your home buying journey, and see what we can do for you.
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Up to 100% financing available
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Choose from a variety of mortgage options
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Get guidance and assistance with every step of the process
Current Rates
Take a look at our current rates, updated weekly!
How do I apply for a home loan?
Applying for a home loan with us is painless.
Calculate your payment
This loan calculator will help you determine how much you can afford.
Questions?
Ask our new virtual assistant “Bill” any question by clicking the CHAT option in the lower right corner. Bill is still learning, so if he cannot answer your question, he can connect you with one of our Member Service Representatives during business hours. Your feedback helps make Bill smarter for your next visit, so please share.
Looking for a print application?
Download
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Membership required. Federally insured by NCUA. All loans subject to credit approval.
Corporate NMLS #442733. Information subject to change without notice.
This is not an offer for extension of credit or a commitment to lend.
Steps
1. Download a mortgage application right here.
2. Print your application and mail to:
SIU Credit Union
Attn: Mortgage Department
P.O. Box 2888
Carbondale, IL 62902
3. Access important information on the Nationwide Mortgage Licensing System & Registry (NMLS).
4. Give our Mortgage Department a call with any questions at 618-457-3595.
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Rates effective as of: January 17, 2025
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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
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.