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SIU Credit Union


Overview / Commentary
www.siucu.org
618-457-3595
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 731st largest credit union in the nation. It was established in 1938 and as of March of 2024, it had grown to 100 employees and 43,824 members at 6 locations. SIU Credit Union's money market rates are 5X the national average, and it has an A 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 (1)

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.

1


Health
A

Data as of Q1 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #60279
Year Chartered1938
Employees100
Primary Regulator
Profit Margin
Return on Assets - YTD2.17%
Return on Equity - YTD20.76%
Annual Interest Income$5.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$496.8MM$484.3MM
LoansQ1 2024vs Q1 2023$326.8MM$323.7MM
DepositsQ1 2024vs Q1 2023$439.7MM$435.4MM
Equity CapitalQ1 2024vs Q1 2023$50.8MM$44MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.2MM$2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.5MM$1.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not SIU Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SIU Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%*$50k*-IRA Share
OTHER TIERS: 1.61% → $200 - $5k | 1.66% → $5k - $10k | 1.71% → $10k - $25k | 1.81% → $25k - $50k
2.07%*$50k*-Health Savings Account
OTHER TIERS: 1.61% → $0 - $5k | 1.66% → $5k - $10k | 1.71% → $10k - $25k | 1.81% → $25k - $50k
1.20%*$0$2.5kSmart Young Investor
OTHER TIERS: 0.35% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k+
0.95%*$0$500Jr. Executives Savings
OTHER TIERS: 0.30% → $500 - $2k | 0.35% → $2k - $10k | 0.40% → $10k - $25k | 0.50% → $25k+
0.50%*$25k*-Bailey Bobcat Club
OTHER TIERS: 0.30% → $5 - $2k | 0.35% → $2k - $10k | 0.40% → $10k - $25k
0.50%*$25k*-Custom Daily Savings
OTHER TIERS: 0.30% → $500 - $2k | 0.35% → $2k - $10k | 0.40% → $10k - $25k
0.50%*$25k*-Membership Shares
OTHER TIERS: 0.30% → $5 - $2k | 0.35% → $2k - $10k | 0.40% → $10k - $25k
0.30%$10-Special Savings
0.30%$0-Holiday Savings

SIU Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.07%*$100k*-Custom Money Market
OTHER TIERS: 1.61% → $0 - $5k | 1.66% → $5k - $10k | 1.71% → $10k - $25k | 1.81% → $25k - $50k | 1.97% → $50k - $100k

SIU Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$25k*-Emeritus Checking
OTHER TIERS: 0.20% → $1k - $2k | 0.25% → $2k - $10k | 0.30% → $10k - $25k
0.35%*$25k*-Premier Now Checking
OTHER TIERS: 0.20% → $1k - $2k | 0.25% → $2k - $10k | 0.30% → $10k - $25k
0.35%*$25k*-Free Checking w/ E-Statements
OTHER TIERS: 0.20% → $1k - $2k | 0.25% → $2k - $10k | 0.30% → $10k - $25k

SIU Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.63%*$50k*-6 - 11 Month Share Certificate
OTHER TIERS: 4.52% → $500 - $50k
4.01%*$50k*-15 Month Share Certificate Special
OTHER TIERS: 3.90% → $500 - $50k
3.64%*$50k*-60 Month Share Certificate
OTHER TIERS: 3.54% → $500 - $50k
3.44%*$50k*-48 - 59 Month Share Certificate
OTHER TIERS: 3.34% → $500 - $50k
3.34%*$50k*-30 - 47 Month Share Certificate
OTHER TIERS: 3.23% → $500 - $50k
3.23%*$50k*-12 - 17 Month Share Certificate
OTHER TIERS: 3.13% → $500 - $50k
3.23%*$50k*-24 - 29 Month Share Certificate
OTHER TIERS: 3.13% → $500 - $50k
3.13%*$50k*-18 - 23 Month Share Certificate
OTHER TIERS: 3.03% → $500 - $50k

SIU Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.01%*$50k*-15 Month IRA Special
OTHER TIERS: 3.90% → $1k - $50k
3.64%*$50k*-60 Month IRA
OTHER TIERS: 3.54% → $1k - $50k
3.44%*$50k*-48 - 59 Month IRA
OTHER TIERS: 3.34% → $1k - $50k
3.34%*$50k*-30 - 47 Month IRA
OTHER TIERS: 3.23% → $1k - $50k
3.23%*$50k*-12 - 17 Month IRA
OTHER TIERS: 3.13% → $1k - $50k
3.23%*$50k*-24 - 29 Month IRA
OTHER TIERS: 3.13% → $1k - $50k
3.13%*$50k*-18 - 23 Month IRA
OTHER TIERS: 3.03% → $1k - $50k
Locations


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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