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Southern Illinois Area Credit Union

 

SIACU Services

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


Checking Accounts Savings & Sub Accounts Christmas Club Fee Schedule

Christmas Club Account

Christmas Club Accounts may be opened with any amount you wish. It may be added to as you wish, but there are no withdrawals but to close it down. The beginning of the account year is Oct. 1, and it runs until Sept. 30 the following year. Christmas Club checks are paid out the first week of October. Quarterly statements are issued and quarterly dividends are paid on all Christmas Club Accounts.


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 $2,500.00 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!

Loan Rates SIACU News
 
AUTOMOTIVE*
2005-2009* 36 mo 48 mo 60mo
as low as 4.65% 4.65% 4.65%
2001-2004* 36 mo 48 mo 60 mo
Older than 7 years* 5.65% 4.65% 4.65% 4.65%
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
 
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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

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