Membership Benefits
What makes us different
SIU Credit Union is a not-for-profit, cooperative financial institution where you’re the boss. The directives that guide SIU Credit Union come from members like you—not from some Board of Directors across the country. We’re locally-owned and have served the needs of southern Illinois for over 80 years.
While banks are trying to maximize their profits, our earnings are returned to the membership in the form of additional services, higher dividends on savings, and lower loan rates. And remember— once a member always a member; once you join, you can be a member of SIU Credit Union for life.
8 Quick Facts About SIU Credit Union
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Not for profit.
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Earnings are returned to members through services like free ATMs*, better rates, and lower fees.
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Insured by NCUA up to $250,000
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Credit unions are democratically governed, and elections are based on a one-member, one-vote philosophy.
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More than 85,000+ surcharge-free* ATMs.
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Credit unions are local, community based financial institutions. Members support their local communities when banking at a credit union.
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Credit unions have members, not shareholders.
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Board consists of unpaid volunteers.
Popular Benefits
We offer numerous benefits to each of our members, some which you won’t see at most financial institutions. Some of our most popular benefits include:
How to Join
Interested in joining? Save time and a trip to the branch. SIU Credit Union lets you open most accounts (including a membership account) online. You can start your application now.
Prefer to open your account in person?
Come by any of our branches.
Here’s what you need to bring:
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Driver’s license, state issued ID, military ID, or passport (for persons 16 and older) – cannot be expired
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Original Social Security card (for persons 16 and younger)
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Verification of address if incorrect on ID – must be “official” – such as electric bill, water bill, rental agreement, etc.
Save some time
Schedule an Appointment
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*At participating in-network ATMs.
Popular Benefits
- Free Phone Banking
- Free Online Banking
- Free ATM transactions
- Free Payroll Deduction
- Free Direct Deposit
- Federally Insured
- Deposits
- Low-Rate Credit Cards
- High-Yield Money Market Accounts and CDs
- Low-Rate Auto Loans & Home Loans
- Evening & Saturday Hours
- Free Notary Public
- Full range of checking services
- Member Discounts
- Free SIUCU Rewards Points
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Rates effective as of: January 17, 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.