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It Pays to Start Investing Early

Investing small amounts each month may not seem exciting, but the earlier you start putting it away the more money you’ll have down the road. The reason: Your earnings have time to compound—or grow—over the years.

Let’s compare investing $20,000 a year in a tax-deferred account that earns a 6% average annual return, starting at age 25 vs. age 35.

The $20,000 that you didn’t save between ages 25 and 35 will cost you $152,000 by age 65!

SIU Credit Union can help you get started! Visit a location near you!

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Rates effective as of: January 18, 2025

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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:

  • No monthly service fee

  • No minimum balance

  • 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

See Rates

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

    • Open Online

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

Open Online

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

Open Online

Jr. Executive Rates

Bailey Bobcat Rates

Smart Young Investors Rates

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