Visa® Credit Cards
A better way to pay
Enjoy credit cards with extra perks, like rewards and auto renter's insurance.
Visa® Credit Cards
Three cards, unlimited possibilities
SIUCU Visa® Credit: If your credit is good and you tend to carry a balance, consider this card. It comes with an introductory rate of just 3.9% APY* (after 6-months, the rate is as low as 9.9%).
SIUCU Visa® Rewards Credit: This card lets you earn points every time you spend, points you can redeem for travel, gift cards, and more. It also comes with a special introductory rate of just 3.9% APY* (after 6-months, the rate is as low as 10.9%).
SIUCU Visa® Share Secured Credit: This card perfect for those looking to establish or rebuild credit. Your credit limit is determined by the funds in your savings account, and you can be eligible with as little as $300 in collateral.
Enjoy credit cards with extra perks
No annual fees or balance transfer fees
All cards are now contactless for safety and security
EMV chip and purchase alerts for enhanced security
Free cash advances, and a 5 day grace period on payments
Zero liability for lost or stolen cards*
Balance Transfers
Transfer balances to your SIU Credit Union Visa® from:
- Major credit cards or specialty cards
(department stores, fuel cards, etc.)
- Small loans
(school loans, auto loans, home improvement loans)
- Household utility accounts with a balance
(electric, gas, phone, medical)
Questions?
Ask our new virtual assistant “Bill” any question by clicking the CHAT option in the lower right corner. Bill is still learning, so if he cannot answer your question, he can connect you with one of our Member Service Representatives during business hours. Your feedback helps make Bill smarter for your next visit, so please share.
Get your card
Apply Now
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*Annual Percentage Rate is determined by an evaluation of the applicant’s credit history. Offer subject to credit approval. Your actual rate may vary. Introductory 3.9% APR on purchases and 5.9% APR on balance transfers and cash advances expires on your 7th statement cycle. After the promotional period ends, the standard variable APR for purchases will be applied to all remaining balance transfer amounts. Computing Balances for Purchases: Method of computing balance is based on your average daily balance.
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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.