Everyday Savings
Start your journey
Become a member of the best credit union in the world
Your passport to SIU Credit Union
Our Membership Share Savings account is a basic savings account with a great perk: it secures your SIU Credit Union membership. Once you open this account, you’ll have the freedom to apply for our low-rate loans and open other accounts that can help you maximize your savings. All it takes is a $5 opening deposit.
-
Earn more dividends with higher balances
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Open with as little as $5
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3 free withdrawals per month (each additional is $5.00)
Rates As High As
Final Balance
Contributions: | Earnings:
Save more; earn more
This account has a tiered dividend rate. The more you save, the more dividends you’ll earn.
Become a member-owner
To join the credit union, all you need is a $5 initial opening deposit. This amount stays in your account and secures your membership.
Join us today
Open Account
Rates
everyday Savings Rates
| Type | Account | **APY | *Dividend Rate | Min. Bal. to Earn Dividends/Interest |
|---|---|---|---|---|
|
0001 |
Tier 1 ($.00-$4.99) |
|
|
$0.00 |
|
0001 |
Tier 2 ($5-$1,999.99) |
|
|
$5.00 |
|
0001 |
Tier 3 ($2000.00-$9999.99) |
|
|
$2,000.00 |
|
0001 |
Tier 4 ($10,000.00-$24,999.99) |
|
|
$10,000.00 |
|
0001 |
Tier 5 ($25,000.00+) |
|
|
$25,000.00 |
All Rates Effective March 1, 2023
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
| 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: April 24, 2025
**Annual Percentage Yield (APY)
*Membership Share dividends are declared monthly by the Board of Directors.
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Rates effective as of: April 24, 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
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