What are the current interest rates at SIU Credit Union?

Current rates for SIU Credit Union include: Savings: 0.25%

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SIU Credit Union

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SIU Credit Union Rates & Review August 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: August 28, 2026

SIU Credit Union's savings rates are at 0.25%. SIU Credit Union's Personal Loan Rates are at 2.50%. 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 3.95%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.95%

Excellent Lower than avg

SIU Credit Union
Corporate Office

1175 E Main St
Carbondale, IL 62901 3126

https://www.siucu.org

SIU Credit Union Savings Rates

Product	Rate	APY	View More
Custom Daily Savings Tier 4	0.25%	0.25%
Min Deposit $10,000 Details $10,000.00-$24,999.99; Rates effective as of: August 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.95%

SIU Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC) - Variable	-	-	4.00%
Details As Low As; Rates effective as of: August 25, 2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.95%

SIU Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	2.50%	60 Months
Details As Low As; No Payments for 90 Days Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.95%

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.

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 99

Part-Time Employees 23

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

3.95%

Return on Assets (ROA)

0.7211%

Return on Equity (ROE)

6.2245%

Non-Performing Loans Ratio (NPL)

0.68%

Total Assets

543,197,494

Total Amount of Shares and Deposits

476,347,864

Total Shares and Deposits < 1 Year

468,326,740

Total Shares and Deposits 1 3 Years

5,779,157

Total Shares and Deposits > 3 Years

2,241,964

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

15,417,049

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

15,417,049

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

460,930,815

Total Interest Expense (Sum of items 6 8)

5,473,613

Share Certificates

2,461

Number of Accounts for Share Drafts

26,381

IRA KEOGH Accounts

255

Number of Accounts for Regular Shares

45,632

All other shares

2,372

Money Market Shares

1,409

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)

43,757,607

Total Liabilities

481,591,273

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for SIU Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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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.