Back to Carbondale credit unions

Siu

P.O. Box 2888, Carbondale, IL 62902
NCUA Insured4.0 (94 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1938

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

P.O. Box 2888

Carbondale, IL 62902

Service Area

This credit union is located in Carbondale and serves members in the IL area. Currently serving 45,875 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

5.74%

Personal Loan

11.90%

Credit Card APR

9.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IL

Lowest rates currently reported by credit unions in IL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.0

94 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Nancy Mundschenk

Nancy Mundschenk

8 months ago

The resources and services at the SIU Credit Union have always been great, but today, Jacee Gold and her associates provided stellar assistance and support in dealing with fraud and protecting my accounts. Exceptional service!

Danielle Maxwell

Danielle Maxwell

6 months ago

This bank is the worst bank that I've ever done business with on a loan for a vehicle!!!! First they add all these extra things you don't want, then when you have them you can't use them. I moved out of state and because I was getting things organized and starting over with a new job I was late on a payment. They were calling and texting me harassing me threatening me if I didn't pay them IMMEDIATELY!!!! I regret ever doing business with these people.

Matthew Gilbert

Matthew Gilbert

8 months ago

We have a sister credit union in Indiana and we were able to do everything here. They have been incredibly helpful and very polite. I recommend them completely

Nick

Nick

10 months ago

I'll be moving my loan to another bank as soon as possible. The loan process was ridiculous. I've never had so many requests for things you don't need for a loan. I got emails for a month asking for another thing and another. They changed my rate multiple times and lied about automatic payments and a rate discount. So after refinancing, I'm paying more than what I was with the other bank. Then they want you to use a 3rd party banking app, plaid, to make payments. Why would a bank use another bank, that's been sued in the past for selling personal information, to make loan payments? Then they harass you with text message links that don't work saying you don't have enough insurance. I sent in proof 10 times, different ways, and they kept coming. Come to find out, my deductible was $500 too high. What the hell does that matter? If I can afford a $60k vehicle, I'm pretty sure I can cover a $2500 deductible. Everything about this place has pissed me off and I'll make sure I never use them again.

Carl Hosick

Carl Hosick

a year ago

I had the pleasure of speaking with Ms. Jessica Imhoff about changing my address and handling some other business, and I must say, she was absolutely fantastic! Her helpfulness and politeness truly stood out. It's rare to encounter such exceptional customer service, and Jessica's genuine care for the customer and her evident passion for her job made the experience outstanding. Kudos to Jessica and SIU Credit Union for providing such stellar service!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).