Online bill pay available
Southern Illinois Area Credit Union

 



Build your checks online.
To reorder checks, please click here.

 

Share Certificates
Debit Cards
ATM Cards
Money Orders
Teller Checks
Savings Accounts
Checking Accounts
Sub Savings Accounts
Christmas Club Accounts
Visa Cards
Notary Service
Direct Deposit
Payroll Deduction
Night Depository
Home Equity Loans
New & Used Car Loans
Signature Loans
Shared Secured Loans
VISA Gift Cards
Overdraft Courtesy Pay

ACCOUNT TYPES: Checking
Savings
Christmas Club


Fee Schedule

Checking Accounts

Did you know that the Credit Union offers no-fee checking? And benefits besides

  • No monthly service charges, No minimum balance
  • First 50 checks for free
  • Monthly account statements
  • Quarterly dividends on average daily balance over $100.00

Fees for others services on your checking account:

  • Re-ordering checks through us (150 checks) $12.00-17.00
    (our checks are wallet duplicates-you do not receive the original check back)
  • Microfilm copies $ 3.00
    (checks are microfilmed and stored at the Federal Reserve Bank of St. Louis)
  • Return item, Return check , or Overdrawn account $25.00
  • Overdraft protection from the savings $ 4.00
  • Stop payment $20.00

We also offer Visa Debit Cards for our checking account customers.

  • Save on the expense of buying checks.
  • Money is taken from checking account and you can use the card anywhere the visa logo is displayed!
  • You may incur non-terminal fees when using other ATM machines

Current Rates on all Account Types:

Share Accounts .75%apr .752%apy
Sub Accounts .75%apr .752%apy
Christmas Club .75%apr .752%apy
Share Draft/Checking Account
(share draft dividends are quarterly over balances of $100.00)
.50%apr .501%apy
Share Certificates
  Term Min. Balance Rates  
  6mo $1,000.00  2.50%apr 2.52%apy
12mo $1,000.00  2.75%apr 2.77%apy
18mo $1,000.00  3.00%apr 3.03%apy
24mo $5,000.00  3.30%apr 3.34%apy
36mo $5,000.00  3.50%apr 3.54%apy

*Early withdrawal penalty is equal to one quarter's dividends. All rates are subject to change without notice. Contact the Credit union for current rates.

Stop in and open your account today!

 
AUTOMOTIVE*
2005-2009* 36 mo 48 mo 60mo
as low as 4.50% 4.50% 4.50%
2001-2004* 36 mo 48 mo 60 mo
Older than 7 years* 5.50% 4.50% 4.50% 4.50%
BOATS, RV'S & MOTORCYCLES*
2005-2009* 36 mo 48 mo 60 mo
7.00% 7.00% 7.00%
2001-2004* 36 mo 48 mo 60 mo
7.50% 7.50% 7.50%
Unsecured Signature Loans* 10.0%
Visa Credit Cards* 8.90%
Home Equity Line of Credit* prime +1
*Applicant must qualify for above rates.
*after .25% discount for auto payment
 

We have the auto loan for you!

 

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Credit Union Information and vehicles for sale

 

New loan product

 

 

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4384 North Illinois Street
Swansea, Illinois 62226
(618) 234-5021
Fax: (618) 234-5023
Lobby & Drive-Up Hours:
Days Lobby Drive-Up
Mon-Fri: 9am - 6pm 8am - 6pm
Sat: 9am - 1pm 9am - 1pm

Visa Debit Cards and Traveler's Checks

TeleCheck Electronic Commerce

Credit Union National Association

National Credit Union Administration

Support Our Troops - American Red Cross

© 2006, Southern Illinois Area Credit Union, SIACU.COM. Site maintained by: Mid America Web.