Overview / Commentary
395 N Giant City Rd
Carbondale, IL 62902-6403

SIU Credit Union is headquartered in Carbondale and is the 22nd largest credit union in the state of Illinois. It is also the 760th largest credit union in the nation. It was established in 1938 and as of September of 2018, it had grown to 99 employees and 39,980 members at 6 locations. SIU Credit Union's money market rates are 14% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

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

Reviews (3)

Great place to do business

Posted by: jiffer21 | Dec 2, 2014

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.

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 - YTD0.41%
Return on Equity - YTD4.48%
Annual Interest Income$8.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$330.3MM$336.4MM
LoansQ3 2018vs Q3 2017$240.2MM$233.6MM
DepositsQ3 2018vs Q3 2017$295.8MM$303.2MM
Equity CapitalQ3 2018vs Q3 2017$30.7MM$30.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$3.0MM$2.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$4.5MM$3.1MM
Real Estate OwnedQ3 2018vs Q3 2017$63.00K$87.00K
Report an Issue

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

1.25%*-$2.5kSmart Young Investor
OTHER TIERS: 0.23% $2.5k - $10k | 0.25% $10k - $25k | 0.35% $25k+
1.00%*-$500Jr. Executives Savings
OTHER TIERS: 0.20% $500 - $2k | 0.23% $2k - $10k | 0.25% $10k - $25k | 0.35% $25k+
0.60%*$50k*-IRA Share
OTHER TIERS: 0.25% $200 - $5k | 0.30% $5k - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k
0.35%*$25k*-Bailey Bobcat Club
OTHER TIERS: 0.20% $5 - $2k | 0.23% $2k - $10k | 0.25% $10k - $25k
0.35%*$25k*-Custom Daily Savings
OTHER TIERS: 0.20% $500 - $2k | 0.23% $2k - $10k | 0.25% $10k - $25k
0.35%*$25k*-Membership Shares
OTHER TIERS: 0.20% $5 - $2k | 0.23% $2k - $10k | 0.25% $10k - $25k
0.25%$10-Special Savings
0.25%--Holiday Savings

SIU Credit Union Money Market Rates

0.50%*$100k*-Custom Money Market
OTHER TIERS: 0.25% Up to $5k | 0.30% $5k - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.45% $50k - $100k

SIU Credit Union Checking Account Rates

0.30%*$25k*-Emeritus Checking
OTHER TIERS: 0.10% $1k - $2k | 0.15% $2k - $10k | 0.20% $10k - $25k
0.30%*$25k*-Premier Now Checking
OTHER TIERS: 0.10% $1k - $2k | 0.15% $2k - $10k | 0.20% $10k - $25k

SIU Credit Union CD Rates

1.76%*$50k*-60 Month Share Certificate
OTHER TIERS: 1.71% $500 - $50k
1.56%*$50k*-15 Month Share Certificate Special
OTHER TIERS: 1.51% $1k - $50k
1.56%*$50k*-48 - 59 Month Share Certificate
OTHER TIERS: 1.51% $500 - $50k
1.36%*$50k*-30 - 47 Month Share Certificate
OTHER TIERS: 1.31% $500 - $50k
1.31%*$50k*-24 - 29 Month Share Certificate
OTHER TIERS: 1.26% $500 - $50k
0.65%*$50k*-18 - 23 Month Share Certificate
OTHER TIERS: 0.60% $1k - $50k
0.55%*$50k*-12 - 17 Month Share Certificate
OTHER TIERS: 0.50% $1k - $50k
0.35%*$50k*-6 - 11 Month Share Certificate
OTHER TIERS: 0.30% $1k - $50k

SIU Credit Union IRA Rates

1.45%*$50k*-60 Month IRA
OTHER TIERS: 1.40% $1k - $50k
1.20%*$50k*-48 - 59 Month IRA
OTHER TIERS: 1.15% $1k - $50k
1.05%*$50k*-30 - 47 Month IRA
OTHER TIERS: 1.00% $1k - $50k
0.75%*$50k*-24 - 29 Month IRA
OTHER TIERS: 0.70% $1k - $50k
0.65%*$50k*-18 - 23 Month IRA
OTHER TIERS: 0.60% $1k - $50k
0.55%*$50k*-12 - 17 Month IRA
OTHER TIERS: 0.50% $1k - $50k

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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.