Online Bill Pay available
Southern Illinois Area Credit Union

 

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

Share/Savings Accounts

  • 1 share is $25.00. (needed to open account)
  • Minimum balance is $25.00
  • Quarterly statements
  • ATM cards available on share accounts
  • Dividends paid quarterly based on the average daily balance

Sub Accounts
This is a separate savings account, but bearing the same account number. You can use this for set aside savings like vacation, taxes, or anything special you might want to earmark it for. It is not accessible by ATM.


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!

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
 
read story

SIA-CU January Newsletter

 

read story
FREE...

 

read story

Credit Union Information and vehicles for sale

 

readstory

New loan product

 

 

Click on the to read full story.

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.