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 September 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: September 21, 2026

SIU Credit Union's savings rates are at 0.25%. SIU Credit Union's Auto Loan Rates are as low as 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 4.87%. Rates last updated and verified on 09/21/2026.

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

4.87%

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

SIU Credit Union Savings Rates

Product	Rate	APY
Bailey Bobcat Savings	0.50%	0.50%
Min Deposit $5 Details Only $5 for Each Additional See Rates 1 Annual Percentage Yield (APY) 2 Membership Share dividends are declared monthly by the Board of Directors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Special Savings Account	0.25%	0.25%
Details Rates effective as of: September 20, 2026 *Annual Percentage Yield (APY) Membership Share dividends are declared monthly by the Board of Directors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

SIU Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	2.50%	60 MONTHS
Details As Low As* Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

SIU Credit Union Other Rates

Product	Rate	Points	APY/APR
Bailey Bobcat Savings	-	-	0.50%
Min Deposit $5 Details Minimum: $5 for Each Additional; Only $5 to Open - No Minimum Balance - Dividends Paid Monthly - One Free Withdrawal per Month See Rates 1 Annual Percentage Yield (APY) 2 Membership Share dividends are declared monthly by the Board of Directors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Emeritus	0.50%	-	0.50%
Details Rates effective as of: September 20, 2026 *Annual Percentage Yield (APY) Membership Share dividends are declared monthly by the Board of Directors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%
Smart Young Investors	0.15%	-	0.15%
Details Eligible for 18-24 year olds. Annual Percentage Yield (APY) Membership Share dividends are declared monthly by the Board of Directors. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.87%

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.
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Financial Health History

SIU Credit Union’s Texas Ratio rose from 2.50% in Q2 2023 to 4.87% in Q1 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
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+
June 30, 2023	$478M	2.50%	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 104

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

4.87%

Return on Assets (ROA)

0.3254%

Return on Equity (ROE)

2.8652%

Non-Performing Loans Ratio (NPL)

0.88%

Total Assets

588,238,292

Total Amount of Shares and Deposits

518,155,101

Total Shares and Deposits < 1 Year

511,629,767

Total Shares and Deposits 1 3 Years

4,385,707

Total Shares and Deposits > 3 Years

2,139,627

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

19,380,903

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

19,380,903

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

498,774,198

Total Interest Expense (Sum of items 6 8)

2,008,426

Share Certificates

2,947

Number of Accounts for Share Drafts

26,853

IRA KEOGH Accounts

681

Number of Accounts for Regular Shares

46,180

All other shares

2,443

Money Market Shares

1,428

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)

87,446,205

Total Liabilities

522,515,649

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

SIU Credit Union earned the Verified Healthy badge

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Customer 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.