Get the keys to your new home, starting today
We help local families secure home loans with great rates, fast decisions, and expert guidance.
30-Year Fixed
3.25 % APR15-Year Fixed
2.75 % APR5/1 ARM
3.00 % APRMortgage Calculator
Calculate your monthly mortgage payments quickly and easily.
Monthly Payment
Stories from our satisfied homeowners
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Pre-qualify online
Check your eligibility instantly from the comfort of your home.
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Talk with a loan advisor
Get personalized guidance to find the best loan option for you.
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Get funding fast
Secure your home with quick and reliable funding solutions.
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You’ll need recent pay stubs, tax returns, and proof of identity.
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Our goal is to provide a decision within 24-48 hours after submission.
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Yes, we offer solutions tailored to various credit situations.
Test Modal
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Rates effective as of: July 15, 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.