2024 Overview
General Credit Union Information
Siu is an NCUA insured institution located in Carbondale, IL. It was founded in 1938 and has approximately $501.54 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 | $501.54 million |
| Loans | $324.88 million |
| Deposits | $442.38 million |
| Capital | $56.88 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 - December 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.23% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.35% | $10,000 | $14,999 |
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|
|
Money Market
|
0.40% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.15% | $2,500 | $3,499 | Learn More |
Loan Rates - December 21, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.494% | 6.375% | 0.75 | $4,000 | $1,997 | Learn More |
NMLS ID: 1025894 |
6.863% | 6.750% | 1.00 | $3,705 | $2,076 | Learn More |
NMLS ID: 3030 |
7.325% | 7.250% | 0.75 | $2,400 | $2,183 | Learn More |
NMLS ID: 1907 |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
Rate See Table |
Intro APR 7.900 % After Intro: 7.900 % |
$25,000 |
Learn More
More Info |
Note to Siu
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Columbus,Ohio
Siu Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 351.75 | A | View Lobby Hours | |
| 362.27 | B | View Lobby Hours | |
| 362.27 | C | View Lobby Hours | |
| 364.73 | D | View Lobby Hours |
Climate Policy and Initiatives
SIU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 3.03% | 5.83 |
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 June 30, 2024, Siu had $1,716,092 in non-current loans and $65,163 in owned assets. To cover these potential losses it had $56,878,769 in net worth and $1,950,700 in loans loss reserves. That gives it a Texas Ratio of 3.03%.
Net Worth
| Siu | U.S. Average |
|---|---|
| 11.34% | 13.93% |
Siu FCU has a net worth of 11.34% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Siu
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