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SIU Credit Union

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SIU Credit Union Rates & Review November 2026

Q: What are the current interest rates at SIU Credit Union?

Current rates for SIU Credit Union include: 18-Month CD: 3.55%, 24-Month CD: 3.40%, 60-Month CD: 3.45%, Savings: 2.07%, MMA: 2.07%

Q: What CD terms does SIU Credit Union offer?

SIU Credit Union CD rates are 4.11% APY for a 6 month CD, 3.66% APY for a 15 month CD, 3.66% APY for a 17 month CD, 3.55% APY for an 18 month CD, 3.40% APY for a 2 year CD and 3.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SIU Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

SIU Credit Union's 6 Month Term CD rates are at 4.11%, Term CD - 6 month rates are at 4.01%, 12 - 17 Month Term CD rates are at 3.66%, 15 Month Term CD rates are at 3.66%, 60 Month Term CD rates are at 3.66%. SIU Credit Union's savings rates are at 2.07%. SIU Credit Union's money market rates are at 2.07%. SIU Credit Union's checking rates are as high as 0.35%. SIU Credit Union's SIUCU In-House Adjustable Rate - 5/5 ARM rates are at 6.25%, In-House Fixed - 10 Year Fixed rates are at 6.75%, In-House Fixed - 15 Year Fixed rates are at 6.75%, In-House Fixed - 20 Year Fixed rates are at 6.88%, In-House Fixed - 30 Year Fixed rates are at 7.00%. SIU Credit Union's Personal Loan Rates are as low as 10.99%. SIU Credit Union's Credit Card Rates are at 9.90%. SIU Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of SIU Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.91%. Rates last updated and verified on 10/29/2026.

SIU Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SIU Credit Union? Share your experience about SIU Credit Union by leaving a review below, or read customer reviews before you decide to use SIU Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.91%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

SIU Credit Union
Corporate Office

1175 E Main St
Carbondale, IL 62901-3126

https://www.siucu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SIU Credit Union CD Rates

Product	Rate	APY	Term
6 Month Term Share Certificate	4.05%	4.11%	6 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
6 Month Term Share Certificate	3.95%	4.01%	6 months
Min Deposit $500 Min Balance $1,000 Details Footnote 1: 3.95% Dividend Rate and $1,000 minimum balance to earn 4.01% APY; Penalty for early withdrawal Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 6 month	3.95%	4.01%	6 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
12 - 17 Month Term Share Certificate	3.60%	3.66%	12 - 17 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
15 Month Term Share Certificate	3.60%	3.66%	15 Month Special
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
60 Month Term Share Certificate	3.60%	3.66%	60 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 12 - 17 month	3.60%	3.66%	12-17 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; Dividend Rate 3.60% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 15 Month Special	3.60%	3.66%	15 Months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; 15 Month Special; Dividend Rate 3.60% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 60 month	3.60%	3.66%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; Dividend Rate 3.60% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 12 - 17 month	3.60%	3.66%	12-17 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 15 Month Special	3.60%	3.66%	15 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 12 - 17 month	3.60%	3.66%	12-17 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; Dividend Rate 3.60% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 15 Month Special	3.60%	3.66%	15 Months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; 15 Month Special; Dividend Rate 3.60% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 60 month	3.60%	3.66%	60 Months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; Dividend Rate 3.60% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 30 - 47 month	3.50%	3.56%	30-47 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 48 - 59 month	3.50%	3.56%	48-59 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 60 month	3.50%	3.56%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 30 - 47 month	3.50%	3.56%	30-47 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 48 - 59 month	3.50%	3.56%	48-59 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 60 month	3.50%	3.56%	60 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
12 - 17 Month Term Share Certificate	3.50%	3.55%	12 - 17 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
15 Month Term Share Certificate	3.50%	3.55%	15 Month Special
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30 - 47 Month Term Share Certificate	3.50%	3.55%	30 - 47 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
48 - 59 Month Term Share Certificate	3.50%	3.55%	48 - 59 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
60 Month Term Share Certificate	3.50%	3.55%	60 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 12 - 17 month	3.50%	3.55%	12-17 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 15 Month Special	3.50%	3.55%	15 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; 15 Month Special; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 12 - 17 month	3.50%	3.55%	12-17 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 15 Month Special	3.50%	3.55%	15 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 30 - 47 month	3.50%	3.55%	30-47 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 48 - 59 month	3.50%	3.55%	48-59 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 12 - 17 month	3.50%	3.55%	12-17 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 15 Month Special	3.50%	3.55%	15 Months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; 15 Month Special; Dividend Rate 3.50% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
18 - 23 Month Term Share Certificate	3.45%	3.50%	18 - 23 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
24 - 29 Month Term Share Certificate	3.45%	3.50%	24 - 29 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 18 - 23 month	3.45%	3.50%	18-23 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; Dividend Rate 3.45% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 24 - 29 month	3.45%	3.50%	24-29 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Roth IRA; Dividend Rate 3.45% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 18 - 23 month	3.45%	3.50%	18-23 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 24 - 29 month	3.45%	3.50%	24-29 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 18 - 23 month	3.45%	3.50%	18-23 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; Dividend Rate 3.45% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 24 - 29 month	3.45%	3.50%	24-29 months
Min Balance $50,000 Details Balance: $50,000.00 and over; Traditional IRA; Dividend Rate 3.45% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30 - 47 Month Term Share Certificate	3.40%	3.45%	30 - 47 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
48 - 59 Month Term Share Certificate	3.40%	3.45%	48 - 59 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 30 - 47 month	3.40%	3.45%	30-47 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; Dividend Rate 3.40% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 48 - 59 month	3.40%	3.45%	48-59 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; Dividend Rate 3.40% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 30 - 47 month	3.40%	3.45%	30-47 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 48 - 59 month	3.40%	3.45%	48-59 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 30 - 47 month	3.40%	3.45%	30-47 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; Dividend Rate 3.40% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 48 - 59 month	3.40%	3.45%	48-59 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; Dividend Rate 3.40% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
18 - 23 Month Term Share Certificate	3.35%	3.40%	18 - 23 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
24 - 29 Month Term Share Certificate	3.35%	3.40%	24 - 29 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 18 - 23 month	3.35%	3.40%	18-23 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; Dividend Rate 3.35% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Roth IRA Certificate - 24 - 29 month	3.35%	3.40%	24-29 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Roth IRA; Dividend Rate 3.35% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 18 - 23 month	3.35%	3.40%	18-23 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 24 - 29 month	3.35%	3.40%	24-29 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 18 - 23 month	3.35%	3.40%	18-23 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; Dividend Rate 3.35% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Traditional IRA Certificate - 24 - 29 month	3.35%	3.40%	24-29 months
Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99; Traditional IRA; Dividend Rate 3.35% Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Savings Rates

Product	Rate	APY
Health Savings Account	2.05%	2.07%
Min Balance $50,000 Details Balance: $50,000.00 and up; Tier 5 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Individual Retirement Share Account	2.05%	2.07%
Min Balance $50,000 Details Balance: $50,000.00+; Early IRA withdrawal is subject to IRS penalty; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Health Savings Account	1.80%	1.81%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99; Tier 4 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Individual Retirement Share Account	1.80%	1.81%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Early IRA withdrawal is subject to IRS penalty; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Health Savings Account	1.70%	1.71%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99; Tier 3 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Individual Retirement Share Account	1.70%	1.71%
Min Balance $10,000 Details Balance: $10,000-$24,999.99; Early IRA withdrawal is subject to IRS penalty; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Health Savings Account	1.65%	1.66%
Min Balance $5,000 Details Balance: $5000.00-$9,999.99; Tier 2 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Individual Retirement Share Account	1.65%	1.66%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99; Early IRA withdrawal is subject to IRS penalty; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Health Savings Account	1.60%	1.61%
Min Balance $0 Details Balance: $0.01-$4999.99; Tier 1 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Individual Retirement Share Account	1.60%	1.61%
Min Balance $200 Details Balance: $200 - $4,999.99; Early IRA withdrawal is subject to IRS penalty; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Daily Savings	0.50%	0.50%
Min Balance $25,000 Details Account Tier 5; Balance: $25,000.00 and over; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Membership Shares	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Daily Savings	0.40%	0.40%
Min Balance $10,000 Details Account Tier 4; Balance: $10,000.00-$24,999.99; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Membership Shares	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Daily Savings	0.35%	0.35%
Min Balance $2,000 Details Account Tier 3; Balance: $2000.00-$9999.99; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Membership Shares	0.35%	0.35%
Min Balance $2,000 Details Balance: $2000.00-$9999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Daily Savings	0.30%	0.30%
Min Balance $500 Details Account Tier 2; Balance: $500.00-$1999.99; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Holiday Savings	0.30%	0.30%
Min Balance $0 Details Min. Bal. to Earn Dividends: $0.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Membership Shares	0.30%	0.30%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Membership Shares	0.30%	0.30%
Min Balance $500 Details Balance: $500.00 - $1999.99 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Special Savings	0.30%	0.30%
Min Balance $0 Details Min. Bal. to Earn Dividends: $0.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Daily Savings	0.00%	0.00%
Details Account Tier 1; Balance: $0.00-$499.99; Min. Bal. to Earn Dividends: N/A; Rates effective as of: October 29, 2026 Last Updated 10/29/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Membership Shares	0.00%	0.00%
Min Balance $0 Details Balance: $.00-$4.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Money Market Rates

Product	Rate	APY
Custom Money Market	2.05%	2.07%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Money Market	1.95%	1.97%
Min Balance $50,000 Details Balance: $50,000.00- $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.97% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Money Market	1.80%	1.81%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Money Market	1.70%	1.71%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.71% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Money Market	1.65%	1.66%
Min Balance $5,000 Details Balance: $5000.00-$9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Money Market	1.60%	1.61%
Min Balance $0 Details Balance: $0.01-$4999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Checking Rates

Product	Rate	APY
Free Checking with eStatements	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Free Checking with eStatements	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Free Checking with eStatements	0.25%	0.25%
Min Balance $2,000 Details Balance: $2000-$9999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Free Checking with eStatements	0.20%	0.20%
Min Balance $1,000 Details Balance: $1000-$1999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Free Checking with eStatements	0.00%	0.00%
Details Balance: $0-$999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
SIUCU In-House Adjustable Rate - 5/5 ARM	-	0	6.25%
Details Adjustable Rate Mortgage; 0 Points; Loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/19/2026 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 10 Year Fixed	-	1.000	6.75%	10 Year
Details 1.00 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 6.88% → 6.75% ▼ 0.13 pts · high 6.88% / low 6.75% Oct 26, 20266.75%▼ from 6.88% Oct 19, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 15 Year Fixed	-	1.000	6.75%	15 Year
Details 1.00 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 6.88% → 6.75% ▼ 0.13 pts · high 6.88% / low 6.75% Oct 26, 20266.75%▼ from 6.88% Oct 19, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 20 Year Fixed	-	1.000	6.875%	20 Year
Details 1.00 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 2 changes since Oct 19, 2026 · 7.13% → 6.88% ▼ 0.25 pts · high 7.13% / low 6.88% Oct 29, 20266.88%▼ from 7.00% Oct 26, 20267.00%▼ from 7.13% Oct 19, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 30 Year Fixed	-	1.000	7.00%	30 Year
Details 1.00 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 2 changes since Oct 19, 2026 · 7.25% → 7.00% ▼ 0.25 pts · high 7.25% / low 7.00% Oct 29, 20267.00%▼ from 7.13% Oct 26, 20267.13%▼ from 7.25% Oct 19, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 20 Year Fixed	-	0.000	7.375%	20 Year
Details 0 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 7.50% → 7.38% ▼ 0.13 pts · high 7.50% / low 7.38% Oct 29, 20267.38%▼ from 7.50% Oct 19, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 30 Year Fixed	-	0.000	7.50%	30 Year
Details 0 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 1 change since Oct 19, 2026 · 7.63% → 7.50% ▼ 0.13 pts · high 7.63% / low 7.50% Oct 26, 20267.50%▼ from 7.63% Oct 19, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 10 Year Fixed	-	0.000	7.625%	10 Year
Details 0 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 2 changes since Oct 19, 2026 · 7.63% → 7.63% ▼ 0.00 pts · high 7.63% / low 6.63% Oct 29, 20267.63%▲ from 6.63% Oct 26, 20266.63%▼ from 7.63% Oct 19, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
In-House Fixed - 15 Year Fixed	-	0.000	7.625%	15 Year
Details 0 Points; Loan amounts $100,000 - $149,000 with 5% down and credit score >= 740; rates listed as APR; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History 2 changes since Oct 19, 2026 · 7.63% → 7.63% ▼ 0.00 pts · high 7.63% / low 6.63% Oct 29, 20267.63%▲ from 6.63% Oct 26, 20266.63%▼ from 7.63% Oct 19, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC) - Variable	-	-	6.75%	Revolving
Details Home Equity Loans; Rates effective as of: October 25, 2026; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto (2027-2025) Never Titled	-	-	4.99%	24 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	4.99%	36 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	4.99%	48 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	4.99%	60 Months
Details As Low As; Balance >$15,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Pre-Owned Automobile (2010-2009)	-	-	4.99%	12-36 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2014-2011) Titled	-	-	4.99%	36 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2014-2011) Titled	-	-	4.99%	48 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2014-2011) Titled	-	-	4.99%	60 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	24 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	36 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	48 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	60 Months
Details As Low As; Balance >$15,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2014-2011) Titled	-	-	5.74%	24 Months
Details As Low As; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	5.99%	72 Months
Details As Low As; Balance >$15,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	5.99%	72 Months
Details As Low As; Balance >$15,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	6.24%	75 Months
Details As Low As; Balance >$25,000, max LTV 100%, max mileage 10,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025)	-	-	6.99%	84 Months
Details As Low As; Balance >$25,000, max LTV 100%, max mileage 10,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	7.74%	84 Months
Details As Low As; Balance >$25,000, max LTV 100%, max mileage 10,000; Auto Loan Rates; Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Small Business Vehicle - Other Titled - New & Used Loan	-	-	8.00%	24-60 Months
Details As Low As; Rates effective as of: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Small Business Vehicle - Other Titled - New & Used Loan	-	-	9.00%	72 Months
Details As Low As; Rates effective as of: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Small Business Vehicle - Other Non-Titled New Loan	-	-	9.74%	24-60 Months
Details As Low As; Rates effective as of: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Small Business Vehicle - Other Non-Titled New Loan	-	-	10.74%	72 Months
Details As Low As; Rates effective as of: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Small Business Vehicle - Other Non-Titled Used Loan	-	-	10.74%	24-60 Months
Details As Low As; Rates effective as of: October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle/ATV (Never Titled) Loan	-	7.50%	24-60 Months
Details Recreational Vehicles Rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Motorcycle/ATV (Never Titled) Loan	-	7.74%	72 Months
Details Recreational Vehicles Rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Motorcycle/ATV (Titled) Loan	-	7.74%	24-60 Months
Details Recreational Vehicles Rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Boat (2026-2025) Loan	-	9.00%	24-120 Months
Details Recreational Vehicles Rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Boat (2025-2011) Loan	-	9.74%	24-84 Months
Details Recreational Vehicles Rates Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Credit Card Rates

Product	Rate	APR
SIUCU Visa Credit	-	9.90%
Details Card Type: SIUCU Visa Credit; APR column labeled *APR (Annual Percentage Rate); Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
SIUCU Visa Rewards Credit	-	10.90%
Details Card Type: SIUCU Visa Rewards Credit; APR column labeled *APR (Annual Percentage Rate); Rates effective as of October 25, 2026 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 10.90% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Personal Loan Rates

Product	APR	Term
Signature Loan/Closed End >	10.99%	12-48 Months
Details $2,500; Rates effective as of: October 25, 2026; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 10.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Signature Loan/Open End <	15.65%	12-36 Months
Details $2,500; Rates effective as of: October 25, 2026; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 15.65% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	3.30%
Details As Low As; Term: Pledge Share; No Floor Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Fast Cash Loans	-	-	18.00%	12 Months
Details Fast Cash; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Mobile Homes - New Mobile Home - Never Titled Loan	-	-	10.50%	60 Months
Details Loan Type: $10,000 + 20% DP Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Mobile Homes - New Mobile Home - Never Titled Loan	-	-	11.25%	84 Months
Details Loan Type: $15,000 + 20% DP Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Mobile Homes - New Mobile Home - Never Titled Loan	-	-	11.50%	120 Months
Details Loan Type: $20,000 + 20% DP Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Mobile Homes - Used Mobile Home (up to 20 years) Loan	-	-	11.00%	60 Months
Details Loan Type: $10,000 + 20% DP Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Mobile Homes - Used Mobile Home (up to 20 years) Loan	-	-	11.75%	84 Months
Details Loan Type: $15,000 + 20% DP Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Mobile Homes - Used Mobile Home (up to 20 years) Loan	-	-	11.99%	120 Months
Details Loan Type: $20,000 + 20% DP Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Mobile Home - Never Titled 20% DP Loan	-	-	10.50%	60 Months
Details $10,000 +; Mobile Homes; Loan amount: $10,000 + 20% DP; *APR is Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Mobile Home - Never Titled 20% DP Loan	-	-	11.25%	84 Months
Details $15,000 +; Mobile Homes; Loan amount: $15,000 + 20% DP; *APR is Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Mobile Home - Never Titled 20% DP Loan	-	-	11.50%	120 Months
Details $20,000 +; Mobile Homes; Loan amount: $20,000 + 20% DP; *APR is Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Tractor - Never Titled - 24-60 Months Loan	-	-	9.74%	24-60 months
Details Tractor loan; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 9.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Tractor - Never Titled - 72 Months Loan	-	-	10.74%	72 Months
Details Tractor loan; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Tractor - Never Titled Loan	-	-	9.74%	24-60 Months
Details Tractor loan; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Tractor - Never Titled Loan	-	-	10.74%	72 Months
Details Tractor loan; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 10 Year Fixed	-	0.000	7.625%	10 Year
Details Secondary Market Fixed Rates; 0 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 10 Year Fixed	-	1.000	6.75%	10 Year
Details Secondary Market Fixed Rates; 1.00 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 15 Year Fixed	-	0.000	7.625%	15 Year
Details Secondary Market Fixed Rates; 0 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 15 Year Fixed	-	1.000	6.75%	15 Year
Details Secondary Market Fixed Rates; 1.00 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 20 Year Fixed	-	0.000	7.375%	20 Year
Details Secondary Market Fixed Rates; 0 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.38% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 20 Year Fixed	-	1.000	6.875%	20 Year
Details Secondary Market Fixed Rates; 1.00 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 30 Year Fixed	-	0.000	7.50%	30 Year
Details Secondary Market Fixed Rates; 0 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Secondary Market Fixed - 30 Year Fixed	-	1.000	6.875%	30 Year
Details Secondary Market Fixed Rates; 1.00 Points; loan amounts $100,000 - $149,000 with 5% down payment and credit score >= 740; Effective Date: 10/26/2026 Last Updated 10/29/2026 Rate History No change since Oct 29, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Note < Loan	-	-	15.90%	6 Months
Details $2,500; Loan amount <$2,500; Rates effective as of: October 25, 2026; Annual Percentage Rate (APR); Not eligible for rate discounts Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 15.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Note > Loan	-	-	11.90%	6 Months
Details $2,500; Loan amount >$2,500; Rates effective as of: October 25, 2026; Annual Percentage Rate (APR); Not eligible for rate discounts Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Mobile Home (up to 20 years) 20% DP Loan	-	-	11.00%	60 Months
Details $10,000 +; Mobile Homes; Loan amount: $10,000 + 20% DP; *APR is Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Mobile Home (up to 20 years) 20% DP Loan	-	-	11.75%	84 Months
Details $15,000 +; Mobile Homes; Loan amount: $15,000 + 20% DP; *APR is Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Mobile Home (up to 20 years) 20% DP Loan	-	-	11.99%	120 Months
Details $20,000 +; Mobile Homes; Loan amount: $20,000 + 20% DP; *APR is Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 11.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Tractor - Titled - 24-60 Months Loan	-	-	10.74%	24-60 months
Details Tractor loan; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 10.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Tractor - Titled Loan	-	-	10.74%	24-60 Months
Details Tractor loan; *Annual Percentage Rate (APR) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Bailey Bobcat	0.30%	-	0.30%
Min Balance $5 Details Balance: $5 - $1,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Bailey Bobcat	0.35%	-	0.35%
Min Balance $2,000 Details Balance: $2000.00-$9999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Bailey Bobcat	0.40%	-	0.40%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Bailey Bobcat	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Emeritus	0.20%	-	0.20%
Min Balance $1,000 Details Balance: $1,000.00 - $1,999.99; Account Tier 2 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Emeritus	0.25%	-	0.25%
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99; Account Tier 3 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Emeritus	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Account Tier 4 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Emeritus	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000.00 and over; Account Tier 5 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.95%	-	0.95%
Min Balance $0 Details Ages: 13-17; Balance: $.00-$500 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.30%	-	0.30%
Min Balance $500 Details Ages: 13-17; Balance: $500.01 -$1,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.35%	-	0.35%
Min Balance $2,000 Details Ages: 13-17; Balance: $2000.00-$9999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.40%	-	0.40%
Min Balance $10,000 Details Ages: 13-17; Balance: $10,000.00-$24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.50%	-	0.50%
Min Balance $25,000 Details Ages: 13-17; Balance: $25,000.00+ Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Premier Now	0.00%	-	0.00%
Min Balance $0 Details Balance: $0-$999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Premier Now	0.20%	-	0.20%
Min Balance $1,000 Details Balance: $1000-$1999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Premier Now	0.25%	-	0.25%
Min Balance $2,000 Details Balance: $2000-$9999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Premier Now	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000-$24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Premier Now	0.35%	-	0.35%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Smart Young Investor	1.19%	-	1.20%
Min Balance $0 Details Ages: 18-24; Balance: $0.00 - $2,500.00 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Smart Young Investor	0.35%	-	0.35%
Min Balance $2,500 Details Ages: 18-24; Balance: $2,500.01 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Smart Young Investor	0.40%	-	0.40%
Min Balance $10,000 Details Ages: 18-24; Balance: $10,000.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Smart Young Investor	0.50%	-	0.50%
Min Balance $25,000 Details Ages: 18-24; Balance: $25,000.00 and over Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 6 Months	4.05%	-	4.11%	6 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 60 Months	3.50%	-	3.55%	60 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate - 60 Months	3.60%	-	3.66%	60 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

SIU Credit Union’s Texas Ratio rose from 3.31% in Q3 2023 to 4.91% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$591M	4.91%	5.0	A+
March 31, 2026	$588M	4.87%	5.0	A+
December 31, 2025	$561M	4.77%	5.0	A+
September 30, 2025	$543M	3.95%	5.0	A+
June 30, 2025	$542M	2.46%	5.0	A+
March 31, 2025	$527M	2.08%	5.0	A+
December 31, 2024	$512M	3.21%	5.0	A+
September 30, 2024	$497M	3.03%	5.0	A+
June 30, 2024	$502M	2.56%	5.0	A+
March 31, 2024	$497M	2.56%	5.0	A+
December 31, 2023	$477M	2.91%	5.0	A+
September 30, 2023	$474M	3.31%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SIU Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SIU Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SIU Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SIU Credit Union

Website https://www.siucu.org

Address 1175 E Main St, Carbondale, IL 62901-3126

Phone 618-457-3595

Fax 618-549-8640

President Christopher Sievers

CEO Mike Lantrip

Full-Time Employees 108

Part-Time Employees 19

Branch Locations 6

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.91%

Return on Assets (ROA)

0.5831%

Return on Equity (ROE)

5.0452%

Non-Performing Loans Ratio (NPL)

0.90%

Total Assets

591,324,297

Total Amount of Shares and Deposits

519,426,792

Total Shares and Deposits < 1 Year

512,991,910

Total Shares and Deposits 1 3 Years

4,354,611

Total Shares and Deposits > 3 Years

2,080,271

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

18,246,690

Total Uninsured Shares and Deposits > $250K (F+J)

18,246,690

Total Insured Shares and Deposits > $250K (item 17 less item K)

501,180,102

Total Interest Expense (Sum of items 6 8)

4,120,158

Share Certificates

2,961

Number of Accounts for Share Drafts

27,187

IRA KEOGH Accounts

677

Number of Accounts for Regular Shares

46,485

All other shares

2,474

Money Market Shares

1,454

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

77,034,304

Total Liabilities

524,384,598

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SIU Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SIU Credit Union

Does SIU Credit Union offer CDs?

Yes. SIU Credit Union current CD rates include its 6 Month Term CD at 4.11% APY, its Term CD - 6 month at 4.01% APY and its 12 - 17 Month Term CD at 3.66% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from SIU Credit Union NCUA insured?

Yes. SIU Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at SIU Credit Union?

The highest SIU Credit Union CD rate is its 6 Month Term CD at 4.11% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does SIU Credit Union offer?

SIU Credit Union CD rates are 4.11% APY for a 6 month CD, 3.66% APY for a 15 month CD, 3.66% APY for a 17 month CD, 3.55% APY for an 18 month CD, 3.40% APY for a 2 year CD and 3.66% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with SIU Credit Union for its full lineup.

What is the highest savings rate at SIU Credit Union?

The highest SIU Credit Union savings rate is its Health Savings Account at 2.07% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at SIU Credit Union?

The highest SIU Credit Union money market rate is its Custom Money Market at 2.07% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at SIU Credit Union?

The highest SIU Credit Union checking rate is its Free Checking with eStatements at 0.35% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest 30 year fixed mortgage rate at SIU Credit Union?

The lowest SIU Credit Union 30 year fixed mortgage rate is its In-House Fixed - 30 Year Fixed at 7.00% APR, verified by MonitorBankRates as of October 29, 2026. SIU Credit Union mortgage rates are 7.00% APR for a 30 year mortgage, 6.875% APR for a 20 year mortgage, 6.75% APR for a 15 year mortgage, 6.75% APR for a 10 year mortgage and 6.25% APR for a 5/5 ARM.

What is the lowest auto loan rate at SIU Credit Union?

The lowest SIU Credit Union auto loan rate is its New Auto (2027-2025) Never Titled at 4.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at SIU Credit Union?

The lowest SIU Credit Union personal loan rate is its Signature Loan/Closed End > at 10.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at SIU Credit Union?

The lowest SIU Credit Union credit card APR is its SIUCU Visa Credit Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does SIU Credit Union operate?

SIU Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SIU Credit Union?

Yes, to access services at SIU Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SIU Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SIU Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SIU Credit Union offer online and mobile banking?

Most modern institutions like SIU Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.siucu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do SIU Credit Union rates compare?

SIU Credit Union's CD rates are 29% higher than the MonitorBankRates national average, and it has an A+ health rating. SIU Credit Union's top rates are its 6 Month Term CD at 4.11% APY, its Health Savings Account at 2.07% APY, its Custom Money Market at 2.07% APY, its Free Checking with eStatements at 0.35% APY, its SIUCU In-House Adjustable Rate - 5/5 ARM at 6.25%, its Signature Loan/Closed End > at 10.99% APR and its SIUCU Visa Credit Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current SIU Credit Union Rates

18-Month CD3.55%
24-Month CD3.40%
60-Month CD3.45%
Savings2.07%
MMA2.07%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SIU Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SIU Credit Union Texas Ratio

SIU Credit Union Health Trend

SIU Credit Union CD Rates

SIU Credit Union Savings Rates

SIU Credit Union Money Market Rates

SIU Credit Union Checking Rates

SIU Credit Union Mortgage Rates

SIU Credit Union Home Equity & HELOC

SIU Credit Union Auto Loan Rates

SIU Credit Union RV, Boat and Powersport Loan Rates

SIU Credit Union Credit Card Rates

SIU Credit Union Personal Loan Rates

SIU Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SIU Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About SIU Credit Union

Does SIU Credit Union offer CDs?

Are CDs from SIU Credit Union NCUA insured?

What is the highest CD rate at SIU Credit Union?

What CD terms does SIU Credit Union offer?

What is the highest savings rate at SIU Credit Union?

What is the highest money market rate at SIU Credit Union?

What is the highest checking rate at SIU Credit Union?

What is the lowest 30 year fixed mortgage rate at SIU Credit Union?

What is the lowest auto loan rate at SIU Credit Union?

What is the lowest personal loan rate at SIU Credit Union?

What is the lowest credit card APR at SIU Credit Union?

How many branches does SIU Credit Union operate?

Is a member application needed to join SIU Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SIU Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do SIU Credit Union rates compare?

Current SIU Credit Union Rates

Compare to Other Credit Unions