Credit union · NCUA insured
SIU Credit Union Credit Card Rates
SIU Credit Union credit card rates start at 5.90% APR. Rates checked October 16, 2026.
How SIU Credit Union’s credit card rates compare
Compared with banks and credit unions near Marion, IL, where SIU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
SIU Credit Union
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Regions Bank
26.74%APR
- Annual fee
- $29
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
SIUCU Visa® Credit
Membership required; subject to credit approval. Actual rate determined by evaluation of credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.90% | None | Introductory 3.90% APR on purchases for 6 months (expires on 7th statement cycle). No annual fees. |
| Ongoing | 5.90% | None | Introductory 5.90% APR on balance transfers expires on 7th statement cycle. No balance transfer fees or annual fees. |
| Ongoing | 9.90%–15.90% | None | Ongoing rate after 6-month introductory period is as low as 9.90% – 15.90% APR based on credit history. No annual fees. |
SIUCU Visa® Rewards Credit
Membership required; subject to credit approval. Actual rate determined by evaluation of credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.90% | None | Special introductory rate of 3.90% APR on purchases for 6 months (expires on 7th statement cycle). No annual fees. |
| Ongoing | 5.90% | None | Introductory 5.90% APR on balance transfers expires on 7th statement cycle. No balance transfer fees or annual fees. |
| Ongoing | 10.90%–16.90% | None | Ongoing rate after 6-month introductory period is as low as 10.90% – 16.90% APR based on credit history. No annual fees. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.