SIU Credit Union

Overview / Commentary
395 N Giant City Rd
Carbondale, IL 62902

SIU Credit Union is headquartered in Carbondale and is the 21st largest credit union in the state of Illinois. It is also the 738th largest credit union in the nation. It was established in 1938 and as of June of 2023, it had grown to 99 employees and 44,491 members at 6 locations. SIU Credit Union has a B+ health rating.

Field of Membership Restrictions

SIU Credit Union offers membership to those who work or live in the Illinois counties of Alexander, Clinton, Edwards, Franklin, Gallatin, Hamilton, Hardin, Jackson, Jefferson, Johnson, Marion, Massac, Monroe, Perry, Pope, Pulaski, Randolph, Saline, Wabash, Washington, Wayne, White, Williamson, or Union.
See current membership details

Reviews (4)

Great place to do business

Posted by: |

The SIU Credit Union is great. They have locations that are convenient and an ATM network that allows fee free transactions across the country. The staff in each of the locations has always been friendly and courteous every time I have been there. They have a great rewards program that gives you points every time you use your debit card (among other things) so it is super easy to rack up points. they have many options for saving, loan options and who doesn't love free checking! I do typically have to wait a while in the drive in thru for even the simplest transactions. But overall it is a place I really enjoy banking with.

Local Credit Union

Banking with SIU Credit Union is a great experience. The staff are always polite and helpful. They quickly answer any questions I might have. If they do not know they answer, they find someone on the office who can help me. The CU has great rates and I feel like they always look out for their customers. I truly enjoy being a credit union member.

Behind The Times

Posted by: |

I've had 4 credit union experiences, and SIU is the most archaic of all.
1. they only process mobile deposits one day a week.
2. Goverment checks...i.e. Soc. Sec. are not credited the day of receipt.
3. Overdraft charges, even though they will take funds from your savings to cover the difference, they will still charge you a fee.
4. Not open on weekends.
They are behind the times... this is 2023... you would think they would get with it.

NONE of the other Credit unions I had/have do not charge you for the overdraft.... and then they send you a letter threatening you with collections if you cannot settle the overdraft... for a whole $20.

Rude And Incompetent Manager

The branch manager, Kyle Goss, at the Marion office is very rude and, in my opinion, does not adequately train his employees. The latest example is that I sat for one hour while one of his employees called Carbondale three times to figure out how to do a simple CD renewal. When I finally questioned her, Mr. Goss told me that they did not wish to do business with me any longer. I had been a customer of SIU Credit Union
for many years. I then asked him for my money back since he didn't want to do business with me, and he then stated that penalties might apply for an early withdrawal. Needless to say, I do not intend to deal with SIU Credit Union again.
them again once I get my money back.


Health Grade Components

NCUA #60279
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.8%
Return on Equity - YTD8.69%
Annual Interest Income$9.1MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$477.7MM$466.3MM
LoansQ2 2023vs Q2 2022$324.2MM$303.6MM
DepositsQ2 2023vs Q2 2022$428.3MM$419.4MM
Equity CapitalQ2 2023vs Q2 2022$44.2MM$42.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.7MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.3MM$665.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for SIU Credit Union are currently being reviewed.


SIU Credit Union Locations
Branch Office1217 W Main StCarbondale, IL 62901-2225
Branch Office777 E Ford StHarrisburg, IL 62946-1161
Branch Office395 N Giant City RdCarbondale, IL 62902-6403
Branch Office2809 Outer DrMarion, IL 62959-5252
Branch Office704 E 5th St Ste 1Metropolis, IL 62960-2184
Branch Office300 N Pershing StEnergy, IL 62933

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