Shared Secured
A loan you can count on
Low-rate loans from a trusted provider
What is a Share Secured loan?
A Share Secured loan means that you put up collateral for your loan, such as your Share Savings account with SIU Credit Union, or another account like a Share Certificate. Having this collateral lowers your rate and typically allows you to borrow more. A Share Secured loan is extremely flexible: you can use it for emergencies, medical bills, education expenses and more. In addition, as with any SIU Credit Union loan, you’ll feel the difference when it comes to member service and individual attention. We’re not like the big banks. We’re much better.
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Secured loans for any expense
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Pay for emergencies, medical bills, vacations, and more
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Competitive rates and friendly customer service
Calculate your payment
This loan calculator will help you determine how much you can afford.
Monthly Payment
Easy online applications
Apply Now
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*Membership required. All loans subject to credit approval.
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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
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Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.