Overdraft Protection
Overdraft Protection Options
Get Peace of Mind and Avoid Overdraft Fees
What is an Overdraft Protection loan?
An Overdraft Protection Loan provides members with an economical option when times get tough. Sometimes life happens and unexpected expenses can put a drain on your accounts. This easy-to-set-up alternative can prevent overdraft fees from piling up. An Overdraft Protection loan is extremely flexible and there when you need it. In addition, as with any SIU Credit Union loan, you’ll feel the difference when it comes to member service and individual attention.
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Loans from $500-$1000 that can cover you until payday
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Save money on costly overdraft fees
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No embarrassment from being overdrawn
Rates As Low As
Monthly Payment
Courtesy Pay
Courtesy Pay is a service that allows SIU Credit Union to pay an item presented for payment against your checking account even if it causes the account to become overdrawn. This may include checks (share drafts), ACH, in-person withdrawals, ATM withdrawals, debit card and Bill Pay transactions. This service is available to members in good standing and you will be charged $25 per covered overdraft transaction. This means that instead of returning a check to the merchant because of insufficient funds, SIU Credit Union may pay your item, saving you additional charges from the merchant. You may opt out of Courtesy Pay at any time by asking us to remove the service from your account(s). Reach out to a representative for more details.
Easy online applications
Apply Now
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*Membership required. All loans subject to credit approval.
Rates
| Type | Loan Type | Term | *APR |
|---|---|---|---|
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5200 |
Overdraft Protection |
36 Months |
|
Rates effective as of: January 18, 2025
*Annual Percentage Rate (APR)
**Not eligible for rate discounts.
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Rates effective as of: January 18, 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
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.