Siu Credit Union


P.o. Box 2888
Carbondale, IL 62902
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.23% 1.15% →
1-Year CD 0.45% 1.50% →
2-Year CD 0.65% 2.86% →
5-Year CD 0.95% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Siu is an NCUA insured institution located in Carbondale, IL. It was founded in 1938 and has approximately $454.72 millions in assets.

Who can join?

Membership is open to any of the following individuals:
• Anyone who lives or works in Franklin, Jackson, Jefferson, Johnson, Perry, Marion, Randolph, Saline, Massac, Union or Williamson counties in Illinois.
• Anyone who works for one of SIU's member companies (SEGs).
• Anyone who belongs to any of the eligible associations
• Immediate family members of existing members (parents, spouse, children, siblings, grandchildren, or grandparents)
If you do not meet any of the above requirements you can also become a member of SIU CU by joining the SIU Alumni Association or by signing up for a Sam’s Club Membership at any of SIU Credit Union’s five locations.

NCUA Insured Yes / State-Chartered
Charter Number # # 60279
Date Established 1938
Assets $454.72 million
Loans $285.28 million
Deposits $406.23 million
Capital $44.74 million

Field of Membership Restrictions

Membership is open to those who live or work in Jackson, Franklin, Johnson, Perry, Jefferson, Marion, Saline, Randolph, Massac, Union, or Williamson Counties in Illinois. Membership is also open to employees or members of the credit union's Select Employer Groups.

Deposit Rates - May 28, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.23% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.60% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
0.70% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.70% $10,000 $14,999 Learn More
36 Mo CD
0.75% $100,000 $199,999 Learn More
48 Mo CD
0.80% $10,000 $14,999 Learn More
48 Mo CD
0.85% $100,000 $199,999 Learn More
60 Mo CD
0.90% $10,000 $14,999 Learn More
60 Mo CD
0.95% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 28, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SIU

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
CashCall Mortgage
NMLS ID: 128231
5.088% 5.000% 1.00 $2,500 $1,343 Learn More
NMLS ID: 399798
5.187% 5.125% 0.75 $1,745 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to SIU
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Below are Siu branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Climate Initiatives

SIU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Siu Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Siu. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Siu U.S. Average
4.11% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Siu had $1,923,619 in non-current loans and $26,070 in owned assets. To cover these potential losses it had $44,744,796 in net worth and $2,673,600 in loans loss reserves. That gives it a Texas Ratio of 4.11%.

Net Worth
Siu U.S. Average
9.84% 12.36%

Siu FCU has a net worth of 9.84% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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