Credit union · NCUA insured
SIU Credit Union
A $588.2M credit union headquartered in Carbondale, IL, with 46,180 members and 6 branches in Illinois. Best rates: CDs 4.11% and savings 1.71% APY.
SIU Credit Union Carrot Score
86
Carrot Score
Higher than 73% of U.S. banks and credit unions
#1 of 9 in Marion, IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SIU Credit Union
SIU Credit Union donates time and money to the local community each year, including providing free financial education to students across local schools.
- Headquarters
- 1175 E Main St, Carbondale, IL 62901-3126
- NCUA charter
- 60279
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to anyone who lives or works for member companies/SEGs including Center for Comprehensive Services, Centerstone, Gateway Foundation, Sam's Club of Marion, Shawnee Health Services, Shawnee Library System, and Southern Illinois Healthcare Services.
Military, government and schools
- Membership is open to individuals belonging to eligible education groups, including SIU faculty, staff, students, graduates, emeritus/adjunct status, SIU Foundation employees, John A. Logan employees/students, and retired or active school employees in the 24 specified counties.
- Membership is open to anyone who lives or works for participating government/public entity employer groups (City of Carbondale, Illinois Youth Center, Marion VA Medical Center, West Frankfort Municipal Group (City Employees), Williamson County).
Family and household
- Membership is open to immediate family members of existing members, including parents, spouse, children, siblings, grandchildren, and grandparents.
Other ways
- Membership is open to anyone who belongs to eligible associations (Lake of Egypt Association of Property Owners, Local 702 IBEW, LiUNA Local 773, Sam’s Club of Marion, or SIU Alumni Association).
Cost to join
- Opening a membership share savings account requires $5.
Branches
6 branches in Illinois
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Illinois
6 branches
Carbondale area · 2
- East Branch395 N Giant City Rd, Carbondale, IL 62902Directions
- West Branch1217 W Main St, Carbondale, IL 62901Directions
Marion area · 2
- Energy300 N Pershing St, Energy, IL 62933Directions
- Marion Branch2809 Outer Dr, Marion, IL 62959Directions
Harrisburg area · 1
- Harrisburg Branch777 E Ford St, Harrisburg, IL 62946Directions
Paducah area · 1
- Metropolis Branch704 E 5th St Ste 1, Metropolis, IL 62960Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.56% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.90% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.20% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio11.56%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.90%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.20%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of SIU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.