Credit union · NCUA insured
SIU Credit Union CD Rates
SIU Credit Union’s best CD rate is 4.11% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How SIU Credit Union’s CD rates compare
Compared with banks and credit unions near Marion, IL, where SIU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SIU Credit Union
4.01%APY
- Term
- 6 months
- Minimum
- —
- Earns on $10,000
- $199
Term Share Certificate
Top rate
Banterra Bank
4.40%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,379
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
SIU Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo4.01%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SIU Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Share Certificate
Up to 4.01%APY · 8 terms
Membership Share dividends are declared monthly by the Board of Directors. Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Subject to maturity. Rates discounts not reflected above.
| Term | APY · $500 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 4.01% | 4.11% | 4.01%4.11% from $50k | $199 |
| 12–17 months | 3.55% | 3.66% | 3.55%3.66% from $50k | $355 |
| 15 months15 Month Special | 3.55% | 3.66% | 3.55%3.66% from $50k | $446 |
| 18–23 months | 3.40% | 3.50% | 3.40%3.50% from $50k | $514 |
| 24–29 months | 3.40% | 3.50% | 3.40%3.50% from $50k | $692 |
| 30–47 months | 3.45% | 3.55% | 3.45%3.55% from $50k | $885 |
| 48–59 months | 3.45% | 3.55% | 3.45%3.55% from $50k | $1,453 |
| 60 months | 3.55% | 3.66% | 3.55%3.66% from $50k | $1,906 |
Sources (1)
- siucu.org/accounts/investments/term-share-certificate · captured Oct 16, 2026
Who can join SIU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.