Smart Financial Solutions
Experience the relief of lower interest rates and high-interest debt reduction with our credit card offerings.
Other Cards Available
We offer a variety of cards to meet your financial needs. Explore our options below.
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1
Apply
Complete a quick and secure application form online.
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2
Transfer
Move your high-interest balances to your new account.
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3
Save
Start saving on interest immediately with lower rates.
Trusted by Thousands
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By moving high-interest balances to a card with a lower APR, you save on monthly payments and more quickly reduce your debt. This allows more of your payment to go toward the principal balance rather than interest charges.
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An introductory APR is an initial, lower interest rate offered for a temporary period to help you save more in your debt repayment. After the promotional period ends, the standard APR will apply to any remaining balance.
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Our card offers zero balance transfer fees, making your savings maximization effortless. There are no annual fees, and we provide transparent pricing on all transaction types.
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Rates effective as of: February 3, 2026
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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
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Thank you for visiting us online. Please return when you need information about SIU Credit Union’s products and services.