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Limited Time Offer

Lower Your Interest, Lift Your Burden

Start saving by applying for a credit card balance transfer today. Consolidate your debt and take control of your financial future with 5.9% APR* for 12 months and no transfer fees.

Apply & Lower Your Rate Today

SIUCU Visa® Credit Card Benefits

Experience the relief of lower interest rates and high-interest debt reduction with our credit card offerings.

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Balance Transfer Savings

Maximize your savings by reducing high-interest debt. Learn more

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Low/Introductory APR

Enjoy extremely competitive rates that let you focus more on paying down principal. Learn more

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No Balance Transfer Fees

Transfer your balance without any hidden costs.

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Ease of Application

Our streamlined process makes applying simple and hassle-free.

Simplified Process

Take control of your finances in three simple steps.

  • 1

    Apply

    Apply for a Visa® Credit Card.

  • 2

    Transfer

    Submit a balance transfer request

  • 3

    Save on Interest

    Once approved, your debt is transferred!

Apply & Lower Your Rate Today

Trusted by Thousands

I have a positive place to come challenge myself every day. I get to work with people who have become friends, to help our members reach their financial goals, and to feel satisfied and confident with their choice in financial institutions.
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The employees work as a team to help members get what they need. We’re close, like family, and we treat our members that same way. It’s a positive environment to be in day in and day out.
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I work in a positive and productive environment while maintaining a family-like relationship with my coworkers.
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Other Cards Available

We offer a variety of cards to meet your financial needs. Explore our options below.

SIUCU Visa® Rewards Credit
Maximize Your Rewards

Earn rewards on every purchase and enjoy competitive rates with the SIUCU Visa® Rewards Credit Card. It also comes with a special introductory rate of just 3.90% APR* (after 6-months, the rate is as low as 10.90-16.90%).

Apply Now
SIUCU Visa® Share Secured Credit
Build or Rebuild Your Credit

Designed for those looking to establish or repair their credit, the SIUCU Visa® Share Secured Credit Card offers a reliable solution. Your credit limit is determined by the funds in your savings account, and you can be eligible with as little as $300 in collateral.

Apply Now
Limited Time Offer

5.9% APR* for 12 months.
No balance transfer fees.

Consolidate debt, lower your interest, and pay down balances faster with an SIUCU Visa® Credit Card.

Apply & Lower Your Rate Today

Frequently Asked Questions

Everything you need to know about our balance transfer card.

  • 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.

  • 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).

  • 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.

  • Our card offers zero balance transfer fees, making your savings maximization effortless.

  • Ask our new virtual assistant “Bill” any question by clicking the CHAT option in the lower right corner of your screen. 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.

Disclosures

*Annual Percentage Rate is determined by an evaluation of the applicant’s credit history. Membership Required. Offer subject to credit approval. Your actual rate may vary. Introductory 3.90% APR on purchases and 5.90% 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.

SIUCU Visa® Credit

SIUCU Visa® Credit (formerly SIUCU Visa® Platinum): If your credit is good and you tend to carry a balance, consider this card. It comes with an introductory rate of just 3.90% APR* (after 6-months, the rate is as low as 9.90 – 15.90%).

Apply Now

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For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.

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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

See Rates

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

    • Open Online

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

Open Online

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

Open Online

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.

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