Credit union · NCUA insured
SIU Credit Union Savings Rates
SIU Credit Union’s best savings rate is 1.71% APY on $10,000, with its Custom Money Market. Rates checked October 16, 2026.
How SIU Credit Union’s savings 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
1.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $171
Custom Money Market
Top rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
3rd-highest rate
First Southern Bank
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $100
SIU Credit Union savings score
89
Savings score
Higher than 86% of U.S. banks and credit unions
- $1,000 balance$1,0001.61%
- $10,000 balance$10,0001.71%
- $100,000 balance$100,0002.07%
- QualifiedQualified1.71%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Custom Money Market
1.71%APY
Dividend rates are tiered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 ($0.01-$4999.99); minimum balance to earn dividends is $0.01 | 1.61% | — | Tier 1 ($0.01-$4999.99); minimum balance to earn dividends is $0.01 |
| $5,000 – $10,000Tier 2 ($5000.00-$9,999.99); minimum balance to earn dividends is $5,000.00 | 1.66% | — | Tier 2 ($5000.00-$9,999.99); minimum balance to earn dividends is $5,000.00 |
| $10,000 – $25,000Tier 3 ($10,000.00-$24,999.99); minimum balance to earn dividends is $10,000.00 | 1.71% | $171 | Tier 3 ($10,000.00-$24,999.99); minimum balance to earn dividends is $10,000.00 |
| $25,000 – $50,000Tier 4 ($25,000.00-$49,999.99); minimum balance to earn dividends is $25,000.00 | 1.81% | — | Tier 4 ($25,000.00-$49,999.99); minimum balance to earn dividends is $25,000.00 |
| $50,000 – $100,000Tier 5 ($50,000.00- $99,999.99); minimum balance to earn dividends is $50,000.00 | 1.97% | — | Tier 5 ($50,000.00- $99,999.99); minimum balance to earn dividends is $50,000.00 |
| $100,000 and upTier 6 ($100,000+); minimum balance to earn dividends is $100,000.00 | 2.07% | — | Tier 6 ($100,000+); minimum balance to earn dividends is $100,000.00 |
Sources (1)
- siucu.org/accounts/investments/money-market-accounts · captured Oct 16, 2026
Bailey Bobcat Savings
0.40%APY
Only $5 to Open. No Minimum Balance. Dividends Paid Monthly. One Free Withdrawal per Month $5 for Each Additional.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5 | 0.00% | — |
| Up to $2,000 | 0.30% | — |
| $2,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 and up | 0.50% | — |
Custom Daily Savings
0.40%APY
Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.00% | — |
| $500 – $2,000 | 0.30% | — |
| $2,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 and up | 0.50% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Membership Shares
0.40%APY
Membership Share dividends are declared monthly by the Board of Directors. Requires $5 opening deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5 | 0.00% | — |
| Up to $2,000 | 0.30% | — |
| $2,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 and up | 0.50% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Premier Now
0.30%APY
Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $2,000 | 0.20% | — |
| $2,000 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 and up | 0.35% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Special Savings
0.30%APY
Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Special-purpose accounts
Health Savings Account
1.71%APY
Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 1.61% | — |
| $5,000 – $10,000 | 1.66% | — |
| $10,000 – $25,000 | 1.71% | $171 |
| $25,000 – $50,000 | 1.81% | — |
| $50,000 and up | 2.07% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Individual Retirement Share Account
1.71%APY
Early IRA withdrawal is subject to IRS penalty, please contact your tax advisor. Federally insured by NCUA. APY declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $200 – $5,000 | 1.61% | — |
| $5,000 – $10,000 | 1.66% | — |
| $10,000 – $25,000 | 1.71% | $171 |
| $25,000 – $50,000 | 1.81% | — |
| $50,000 and up | 2.07% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Smart Young Investors
0.40%APY
Eligible for 18-24 year olds. $5 opening deposit. Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.20% | — |
| $2,500 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 and up | 0.50% | — |
Jr. Executives
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $500 | 0.95% | — |
| $500 – $2,000 | 0.30% | — |
| $2,000 – $10,000 | 0.35% | — |
| $10,000 – $25,000 | 0.40% | $40 |
| $25,000 and up | 0.50% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Emeritus Savings
0.30%APY
Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.00% | — |
| $1,000 – $2,000 | 0.20% | — |
| $2,000 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.30% | $30 |
| $25,000 and up | 0.35% | — |
Sources (1)
- siucu.org/rates · captured Oct 6, 2026
Holiday Savings
0.30%APY
Membership Share dividends are declared monthly by the Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.30% | $30 |
Sources (1)
- siucu.org/rates · captured Oct 6, 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.