Start your Home-Buying Journey with Us
We help local families secure home loans with great rates, fast decisions, and expert guidance.
30-Year Fixed
As low as 6.250% APR15-Year Fixed
As low as 5.750% APR5/5 ARM
As low as 5.500% APREstimate your payments
Calculate your monthly mortgage payments quickly and easily.
See more mortgage calculators
Homeowners Insurance: 100
Mortgage Insurance: 167
Stories from our satisfied homeowners
Our Mortgage Representative was amazing. She communicated timely, problem solved and ensured everything was in perfect order. Would recommend SIU Credit Union to anyone looking to purchase a home.
SIUCU has done a splendid job servicing our mortgage loans on two different properties now. Any request we've shared is responded to quickly, professionally, and helpfully. They don't just sell you a mortgage and then leave you to some impersonal third party. If you want your mortgage managed by a caring local [financial institution], I can heartily recommend SIUCU.
It was such a pleasure working with [SIU Credit Union]! Very professional, clear and consistent communication. The mortgage process can be very stressful but [the team] was so accommodating and worked hard for us to make it simple as possible.
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Pre-qualify online
Apply online 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, chat with us today.
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Get funding fast
Secure your home with quick and reliable funding solutions.
Still comparing options? Let us guide you.
We understand this is a big decision. Our team is here to provide personalized support and flexible solutions throughout your home-buying journey.
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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.
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Here is our printable Mortgage application.
How to apply from home:
1. Download our mortgage application.
2. Print your application and mail to:
SIU Credit Union
Attn: Mortgage Department
P.O. Box 2888
Carbondale, IL 629023. Access important information on the Nationwide Mortgage Licensing System & Registry (NMLS).
4. Give our Mortgage Department a call with any questions at 618-457-3595.
Ready to embark on your homeownership journey?
With competitive rates and personalized service, we're here to make your dreams a reality.
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Membership required. Federally insured by NCUA. All loans subject to credit approval.
Corporate NMLS #442733. Information subject to change without notice.
This is not an offer for extension of credit or a commitment to lend.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
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Rates effective as of: July 14, 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.