Term Note
Keep it simple
A straightforward loan with a one-time payment
What is a term note?
Perfect for short term borrowing, a term note is a fixed-rate loan with a set term. With a term note, you’ll know exactly what you’re getting: you’ll agree upon an amount with us, which will go right to you. Then, when your term is up, you make a single payment of both the total loan amount and the interest you owe. If you’re in need of ready cash—and know exactly when you’ll be able to pay it back—this is the loan for you. Applications are fast, and you can fill one out right here online.
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Fixed rate and loan amount
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Single payment of principal and interest made at maturity
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Know exactly how much you’ll pay in interest
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Easy application process
Calculate your payment
This loan calculator will help you determine how much you can afford.
Monthly Payment
Free online application
Apply Now
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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.