Rates
Savings & Deposit Rates
Prime Rate
| Prime Rate | |
|---|---|
|
Prime Rate |
|
Rates effective as of: January 17, 2025
Auto Loan Rates
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
1700 |
New Auto (2025-2023) Never Titled |
24 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled |
36 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled |
48 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled |
60 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled
|
72 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled
|
75 Months |
|
|
1700 |
New Auto (2025-2023) Never Titled
|
84 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
24 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
36 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
48 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled |
60 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled
|
72 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled
|
75 Months |
|
|
1600 |
Used Auto (2024-2015) Previously Titled
|
84 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
24 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
36 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
48 Months |
|
|
1600 |
Used Auto (2014-2010) Titled |
60 Months |
|
|
1600 |
Pre-Owned Automobile (2009-2008) |
12-36 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR). As low as.
Members can take advantage of our Loyalty Bundle and qualify for additional rate discounts (up to .75%) when they use our SIUCU Credit Card or Checking account, and a .25% rate discount when enrolled in automatic loan payments. Rates discounts not reflected above.
Recreational Vehicles Rates
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
1300 |
New Motorcycle/ATV (Never Titled) |
24-60 Months |
|
|
1300 |
New Motorcycle/ATV (Never Titled) |
72 Months |
|
|
1200 |
Used Motorcycle/ATV (Titled) |
24-60 Months |
|
|
1900 |
New Boat (2025-2023) |
24-120 Months |
|
|
1800 |
Used Boat (2023-2010) |
24-84 Months |
|
|
1500 |
New RV/Camper (Never Titled) |
24-60 Months |
|
|
1500 |
New RV/Camper (Never Titled) |
72 Months |
|
|
1500 |
New RV/Camper (Never Titled) |
84 Months |
|
|
1500 |
New RV/Camper (Never Titled) |
120-144 Months |
|
|
1400 |
Used RV's/Campers (up to 20 years old) 2024-2004 |
24-60 Months |
|
|
1400 |
Used RV's/Campers (up to 20 years old) 2024-2004 |
72-84 Months |
|
|
1400 |
Used RV's/Campers (up to 20 years old) 2024-2004 |
120-144 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
Small Business Vehicle Rates
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
7800 |
Other Titled - New & Used |
24-60 Months |
|
|
7800 |
Other Titled - New & Used |
72 Months |
|
|
7400 |
Other Non-Titled New |
24-60 Months |
|
|
7400 |
Other Non-Titled New |
72 Months |
|
|
7400 |
Other Non-Titled Used |
24-60 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR). As low as.
Tractor
| Type | Term | *APR |
|---|---|---|
|
New Tractor - Never Titled |
24-60 Months |
|
|
New Tractor - Never Titled |
72 Months |
|
|
Used Tractor - Titled |
24-60 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
Signature Loans
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
4000 |
Signature Loan/Closed End
|
12-48 Months |
|
|
5100 |
Signature Loan/Open End
|
12-36 Months |
|
|
4600 |
Holiday Promotion |
12-24 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
Overdraft Protection Loans
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
5200 |
Overdraft Protection |
36 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
**Not eligible for rate discounts.
Credit Builder Loan
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
1100 |
Credit Builder Loan |
Pledge Share |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
No Floor.
Fast Cash Loans
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
2000 |
Fast Cash |
12 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
**Not eligible for rate discounts.
Real Estate Loans
| Loan Type | Term | *APR |
|---|---|---|
|
Home Equity LOC - Variable |
Revolving |
|
|
Home Equity Up to 80% LTV |
24-60 Months |
|
|
Home Equity Up to 80% LTV |
61-84 Months |
|
|
Home Equity Up to 80% LTV |
85-120 Months |
|
|
Home Equity Up to 80% LTV |
121-180 Months |
|
|
Home Equity 81% - 90% LTV |
24-60 Months |
|
|
Home Equity 81% - 90% LTV |
61-84 Months |
|
|
Home Equity 81% - 90% LTV |
85-120 Months |
|
|
Home Equity 81% - 90% LTV |
121-180 Months |
|
|
Home Equity 91% - 100% LTV Currently Not Available |
24-60 Months |
|
|
Home Equity 91% - 100% LTV Currently Not Available |
61-84 Months |
|
|
Home Equity 91% - 100% LTV Currently Not Available |
85-120 Months |
|
|
Home Equity 91% - 100% LTV Currently Not Available |
121-180 Months |
|
|
Unimproved Real Estate - Fixed |
12-84 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
Mobile Homes
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
2200 New Mobile Home - Never Titled |
$10,000 + 20% DP |
60 Months |
|
|
2200 New Mobile Home - Never Titled |
$15,000 + 20% DP |
84 Months |
|
|
2200 New Mobile Home - Never Titled |
$20,000 + 20% DP |
120 Months |
|
|
2100 Used Mobile Home (up to 20 years) |
$10,000 + 20% DP |
60 Months |
|
|
2100 Used Mobile Home (up to 20 years) |
$15,000 + 20% DP |
84 Months |
|
|
2100 Used Mobile Home (up to 20 years) |
$20,000 + 20% DP |
120 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
Term Note
| Type | Loan Type | Term | *APR |
|---|---|---|---|
|
4100 |
>$2,500 |
6 Months |
|
|
4100 |
<$2,500 |
6 Months |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR).
**Not eligible for rate discounts.
Visa® Credit Card Rates
| Card Type | *APR |
|---|---|
|
SIUCU Visa® Credit |
|
|
SIUCU Visa® Rewards Credit |
|
Rates effective as of: January 17, 2025
*Annual Percentage Rate (APR)
Bailey Bobcat
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0012 Bailey Bobcat |
Tier 1 ($.00-$4.99) |
|
|
$0.00 |
|
0012 Bailey Bobcat |
Tier 2 ($5 - $1,999.99) |
|
|
$5.00 |
|
0012 Bailey Bobcat |
Tier 3 ($2000.00-$9999.99) |
|
|
$2,000.00 |
|
0012 Bailey Bobcat |
Tier 4 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0012 Bailey Bobcat |
Tier 5 ($25,000.00+) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executives *
Eligible for 13-17 year olds.
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0017 Jr. Executives* |
Tier 1 ($.00-$500) |
|
|
$0.00 |
|
0017 Jr. Executives* |
Tier 2 ($500.01 -$1,999.99) |
|
|
$500.01 |
|
0017 Jr. Executives* |
Tier 3 ($2000.00-$9999.99) |
|
|
$2,000.00 |
|
0017 Jr. Executives* |
Tier 4 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0017 Jr. Executives* |
Tier 5 ($25,000.00+) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Smart Young Investors*
Eligible for 18-24 year olds.
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0024 Smart Young Investor* |
Tier 1 ($.00-$2,500) |
|
|
$0.00 |
|
0024 Smart Young Investor* |
Tier 2 ($2,500.01 -$9,999.99) |
|
|
$2,500.01 |
|
0024 Smart Young Investor* |
Tier 3 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0024 Smart Young Investor* |
Tier 5 ($25,000.00+) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Custom Daily Savings
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0002 |
Tier 1 ($0-$499.99) |
|
|
N/A |
|
0002 |
Tier 2 ($500.00-$1999.99) |
|
|
$500.00 |
|
0002 |
Tier 3 ($2000.00-$9999.99) |
|
|
$2,000.00 |
|
0002 |
Tier 4 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0002 |
Tier 5 ($25,000.00+) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Special Savings
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0007 |
Special Savings |
|
|
$0.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Holiday Savings
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0005 |
Holiday Savings |
|
|
$0.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Custom Money Market
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0059
|
Tier 1 ($0.01-$4999.99) |
|
|
$0.01 |
|
0059
|
Tier 2 ($5000.00-$9,999.99) |
|
|
$5,000.00 |
|
0059
|
Tier 3 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0059
|
Tier 4 ($25,000.00-$49,999.99) |
|
|
$25,000.00 |
|
0059
|
Tier 5 ($50,000.00- $99,999.99) |
|
|
$50,000.00 |
|
0059
|
Tier 6 ($100,000+) |
|
|
$100,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Health Savings Account
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0062 Health Savings Account |
Tier 1 ($0.01-$4999.99) |
|
|
$0.01 |
|
0062 Health Savings Account |
Tier 2 ($5000.00-$9,999.99) |
|
|
$5000.00 |
|
0062 Health Savings Account |
Tier 3 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0062 Health Savings Account |
Tier 4 ($25,000.00-$49,999.99) |
|
|
$25,000.00 |
|
0062 Health Savings Account |
Tier 5 ($50,000.00 and up) |
|
|
$50,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Free Checking w/ E-Statements
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0077 Free Checking w/E-Statements |
Tier 1 ($0-$999.99) |
|
|
N/A |
|
0077 Free Checking w/E-Statements |
Tier 2 ($1000-$1999.99) |
|
|
$1000.00 |
|
0077 Free Checking w/E-Statements |
Tier 3 ($2000-$9999.99) |
|
|
$2000.00 |
|
0077 Free Checking w/E-Statements |
Tier 4 ($10,000-$24,999.99) |
|
|
$10,000.00 |
|
0077 Free Checking w/E-Statements |
Tier 5 ($25,000 +) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Emeritus
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0055 Emeritus |
Tier 1 ($0-$999.99) |
|
|
N/A |
|
0055 Emeritus |
Tier 2 ($1000-$1999.99) |
|
|
$1000.00 |
|
0055 Emeritus |
Tier 3 ($2000-$9999.99) |
|
|
$2000.00 |
|
0055 Emeritus |
Tier 4 ($10,000-$24,999.99) |
|
|
$10,000.00 |
|
0055 Emeritus |
Tier 5 ($25,000+) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Premier Now
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends |
|---|---|---|---|---|
|
0050 Premier Now |
Tier 1 ($0-$999.99) |
|
|
$0.00 |
|
0050 Premier Now |
Tier 2 ($1000-$1999.99) |
|
|
$1000.00 |
|
0050 Premier Now |
Tier 3 ($2000-$9999.99) |
|
|
$2000.00 |
|
0050 Premier Now |
Tier 4 ($10,000-$24,999.99) |
|
|
$10,000.00 |
|
0050 Premier Now |
Tier 5 ($25,000 +) |
|
|
$25,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Individual Retirement Account Rates
| Type | Account | Range | *Dividend Rate | **APY | Min. Bal. to Earn Dividends |
|---|---|---|---|---|---|
|
1072 |
12 - 17 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
2030 |
15 Month Special |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1073 |
18 - 23 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1074 |
24 - 29 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1075 |
30 - 47 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1076 |
48 - 59 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1077 |
60 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1082 |
12 - 17 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
2040 |
15 Month Special |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1083 |
18 - 23 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1084 |
24 - 29 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1085 |
30 - 47 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1086 |
48 - 59 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1087 |
60 Months |
$1000 - $49,999.99
|
|
|
$1,000.00 |
|
1072 |
12 - 17 Months |
$50,000 +
|
|
|
$50,000.00 |
|
2030 |
15 Month Special |
$50,000 +
|
|
|
$50,000.00 |
|
1073 |
18 - 23 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1074 |
24 - 29 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1075 |
30 - 47 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1076 |
48 - 59 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1077 |
60 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1082 |
12 - 17 Months |
$50,000 +
|
|
|
$50,000.00 |
|
2040 |
15 Month Special |
$50,000 +
|
|
|
$50,000.00 |
|
1083 |
18 - 23 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1084 |
24 - 29 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1085 |
30 - 47 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1086 |
48 - 59 Months |
$50,000 +
|
|
|
$50,000.00 |
|
1087 |
60 Months |
$50,000 +
|
|
|
$50,000.00 |
Rates effective as of: January 17, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Rates discounts not reflected above.
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| Column Title | Column Title | Column Title |
|---|---|---|
|
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|
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Cell Value |
Cell Value |
|
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Cell Value |
Cell Value |
|
Cell Value |
Cell Value |
Cell Value |
|
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Rates effective as of: January 17, 2025
{Optional: Insert table disclosure information}
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:
-
No monthly service fee
-
No minimum balance
-
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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