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%

MonitorBankRates

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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SIU Credit Union

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SIU Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

SIU Credit Union's top rates as of October 9, 2026 are 4.11% APY on its 6 Month CD, 2.07% APY on savings, 2.07% APY on money market accounts, 0.50% APY on checking, 6.25% on its SIUCU In-House Adjustable - 5/5 ARM (Adjustable Rate Mortgage), personal loans from 10.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other SIU Credit Union CD rates include 6 Month CD at 4.01%, 12-17 Month CD at 3.66%, and 60 Month CD at 3.66%. 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 10/09/2026.

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 Q2 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 Certificate	4.05%	4.11%	6 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
6 Month Certificate	3.95%	4.01%	6 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
12-17 Month Certificate	3.60%	3.66%	12-17 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
60 Month Certificate	3.60%	3.66%	60 Months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 12 - 17 month	3.60%	3.66%	12-17 months
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 15 Month Special	3.60%	3.66%	15 Month
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 60 month	3.60%	3.66%	60 Months
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 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 Month
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 30 - 47 month	3.50%	3.56%	30-47 months
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 48 - 59 month	3.50%	3.56%	48-59 months
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 60 month	3.50%	3.56%	60 Months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
12-17 Month Certificate	3.50%	3.55%	12-17 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30-47 Month Certificate	3.50%	3.55%	30-47 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
48-59 Month Certificate	3.50%	3.55%	48-59 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
60 Month Certificate	3.50%	3.55%	60 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 12 - 17 month	3.50%	3.55%	12-17 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 15 Month Special	3.50%	3.55%	15 Month
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 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 Month
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
18-23 Month Certificate	3.45%	3.50%	18-23 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
24-29 Month Certificate	3.45%	3.50%	24-29 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 18 - 23 month	3.45%	3.50%	18-23 months
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 24 - 29 month	3.45%	3.50%	24-29 months
Min Balance $50,000 Details Balance: $50,000 + (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30-47 Month Certificate	3.40%	3.45%	30-47 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
48-59 Month Certificate	3.40%	3.45%	48-59 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 30 - 47 month	3.40%	3.45%	30-47 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 48 - 59 month	3.40%	3.45%	48-59 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
18-23 Month Certificate	3.35%	3.40%	18-23 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
24-29 Month Certificate	3.35%	3.40%	24-29 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 18 - 23 month	3.35%	3.40%	18-23 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
IRA Certificate 24 - 29 month	3.35%	3.40%	24-29 months
Min Balance $1,000 Details Balance: $1,000 - $49,999.99 (Traditional) Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.07% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.81% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.71% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.66% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.61% APY · checked 3 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 Balance: $25,000.00+ Last Updated 10/09/2026 Rate History No change since Oct 9, 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 Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 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 Balance: $2000.00-$9999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 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 Balance: $500.00-$1999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Holiday Savings	0.30%	0.30%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Special Savings	0.30%	0.30%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Custom Daily Savings	-	0.25%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 2.07% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 1.97% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 1.81% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 1.71% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 1.66% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 1.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Checking Rates

Product	Rate	APY
Free Checking w/ E-Statements	-	0.50%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Free Checking with eStatements	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%

SIU Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
SIUCU In-House Adjustable - 5/5 ARM (Adjustable Rate Mortgage)	6.25%	0.000	6.25%	5/5 ARM
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.25% APR · checked 3 times 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
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.75% APR · checked 3 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
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	4.99%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled	-	-	4.99%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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	-	-	4.99%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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	-	-	4.99%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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	-	-	4.99%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	24 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled	-	-	4.99%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled >	-	-	5.99%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Auto (2026-2015) Previously Titled >	-	-	5.99%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) Never Titled > max LTV 100%, max mileage 10,000	-	-	6.24%	75 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Auto (2027-2025) > max LTV 100%, max mileage 10,000	-	-	6.99%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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 > max LTV 100%, max mileage 10,000	-	-	7.74%	84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Titled - New & Used Vehicle Loan	-	-	8.00%	24-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Titled - New & Used Vehicle Loan	-	-	9.00%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Non-Titled New Vehicle Loan	-	-	9.74%	24-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Non-Titled New Vehicle Loan	-	-	10.74%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Non-Titled Used Vehicle Loan	-	-	10.74%	24-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 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
Recreational Vehicles Loan	-	5.00%
Details Published APR range: As low as 5.00%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Motorcycle/ATV (Never Titled) Loan	-	7.50%	24-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Motorcycle/ATV (Never Titled) Loan	-	7.74%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Motorcycle/ATV (Titled) Loan	-	7.74%	24-60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Boat (2026-2025) Loan	-	9.00%	24-120 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Boat (2025-2011) Loan	-	9.74%	24-84 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 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%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
SIUCU Visa Rewards Credit	-	10.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.90% APR · checked 3 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
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Signature Loan/Open End <	15.65%	12-36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.65% APR · checked 3 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
10 Year - Fixed	-	1.000	6.875%	10 Year
Details Additional APR listed for this product: 7.125%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
10 Year - Fixed	-	0.000	7.125%	10 Year
Details 0 Points Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
15 Year - Fixed	-	1.000	6.875%	15 Year
Details Additional APR listed for this product: 7.125%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.88% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
15 Year - Fixed	-	0.000	7.125%	15 Year
Details 0 Points Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.13% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
20 Year - Fixed	-	1.000	7.375%	20 Year
Details Additional APR listed for this product: 7.750%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
20 Year - Fixed	-	0.000	7.75%	20 Year
Details 0 Points Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30 Year - Fixed	-	1.000	7.25%	30 Year
Details Additional APR listed for this product: 7.625%. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30 Year - Fixed	-	0.000	7.625%	30 Year
Details 0 Points Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
30 Year - Fixed	-	1.000	7.375%	30 Year
Details 1.00 Points Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.38% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Non-Titled New Loan	-	-	9.74%	24-60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Non-Titled New Loan	-	-	10.74%	72 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Non-Titled Used Loan	-	-	10.74%	24-60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Titled - New & Used Loan	-	-	8.00%	24-60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Business Other Titled - New & Used Loan	-	-	9.00%	72 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Credit Builder Loan	-	-	3.30%
Details starts at Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Fast Cash Loan	-	-	18.00%	12 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 18.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Loan Type <	-	-	15.90%	6 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 15.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Loan Type >	-	-	11.90%	6 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Mobile Home - Never Titled Loan	-	-	10.50%	60 Months
Details $10,000 + 20% DP Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Mobile Home - Never Titled Loan	-	-	11.25%	84 Months
Details $15,000 + 20% DP Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Mobile Home - Never Titled Loan	-	-	11.50%	120 Months
Details $20,000 + 20% DP Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Tractor - Never Titled Loan	-	-	9.74%	24-60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
New Tractor - Never Titled Loan	-	-	10.74%	72 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Mobile Home (up to 20 years) Loan	-	-	11.00%	60 Months
Details $10,000 + 20% DP Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Mobile Home (up to 20 years) Loan	-	-	11.75%	84 Months
Details $15,000 + 20% DP Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Mobile Home (up to 20 years) Loan	-	-	11.99%	120 Months
Details $20,000 + 20% DP Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Used Tractor - Titled Loan	-	-	10.74%	24-60 Months
Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Account	0.30%	-	0.30%
Min Balance $5 Details Balance: $5-$1,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Account	0.35%	-	0.35%
Min Balance $2,000 Details Balance: $2000.00-$9999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Account	0.40%	-	0.40%
Min Balance $10,000 Details Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Account	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 3 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: $1000-$1999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 3 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: $2000-$9999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 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-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 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 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.61% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.66% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.71% APY · checked 3 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 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.81% APY · checked 3 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+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.95%	-	0.95%
Min Balance $0 Details Balance: $.00-$500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	0.30%	-	0.30%
Min Balance $500 Details Balance: $500.01 -$1,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 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 Balance: $2000.00-$9999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 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 Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 3 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 Balance: $25,000.00+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Jr. Executives	-	-	0.15%
Details Eligible for 13-17 year olds. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 0.30% APY · checked 3 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 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 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 Balance: $.00-$2,500 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.20% APY · checked 3 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 Balance: $2,500.01 -$9,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.35% APY · checked 3 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 Balance: $10,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.40% APY · checked 3 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 Balance: $25,000.00+ Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 12 - 17 Months	3.50%	-	3.55%	12-17 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 12 - 17 Months	3.60%	-	3.66%	12-17 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 18 - 23 Months	3.35%	-	3.40%	18-23 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 18 - 23 Months	3.45%	-	3.50%	18-23 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 24 - 29 Months	3.35%	-	3.40%	24-29 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 24 - 29 Months	3.45%	-	3.50%	24-29 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 30 - 47 Months	3.40%	-	3.45%	30-47 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 30 - 47 Months	3.50%	-	3.55%	30-47 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 48 - 59 Months	3.40%	-	3.45%	48-59 months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 48 - 59 Months	3.50%	-	3.55%	48-59 months
Min Balance $50,000 Details Balance: $50,000 + Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.91%
Term Share Certificate 6 Months	3.95%	-	4.01%	6 Months
Min Balance $500 Details Balance: $500.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.01% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 4.11% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 3.55% APY · checked 3 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 10/09/2026 Rate History No change since Oct 9, 2026 · 3.66% APY · checked 3 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

Q2 2026 MBR Health & Safety Badge

SIU Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About SIU Credit Union

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.

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.

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SIU Credit Union Rates & Review October 2026

Brian McKay

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Financial Health History

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Financials

SIU Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current SIU Credit Union Rates

Compare to Other Credit Unions