Siu Credit Union Carbondale IL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Siu, your trusted financial partner located at 395 N Giant City Rd, Carbondale, IL 62902. Since our establishment in 1938, we have proudly served the community with a commitment to providing exceptional banking services tailored to our members' needs. With a total membership of 44,800, we strive to foster strong relationships and empower individuals through our wide range of financial products. At Siu, we believe in the power of community. Our total assets stand at an impressive $497,131,121, reflecting our stability and dedication to supporting our members financially. We are here for you with total deposits of $67,126,640 and a robust net worth of $58,183,336. Whether you are looking for personal banking options like checking and savings accounts or loans for your next vehicle or home, we've got you covered. Our team is led by CEO Mike Lantrip and Board President Christopher Sievers, both dedicated to ensuring that Siu remains a reliable resource for all your financial needs. With over 120 employees committed to serving you, we offer personalized support every step of the way. For any official correspondence, please note that while members can visit us at our branch address, all mail should be sent to P.O. Box 2888, Carbondale, IL 62902. We're excited to help you achieve your financial goals! Feel free to reach out via phone at 618-457-3595 or explore more about our services on our website: siucu.org. Come visit us today and experience the difference a community-focused credit union can make!

Branch History & Mission

At Siu, we take pride in our rich legacy of serving the community since 1938. Located at 395 N Giant City Rd, Carbondale, IL 62902, our East Branch has become a trusted financial partner for many families and businesses in the region. Over the years, we have grown from a small credit union to a robust institution with total assets reaching an impressive $497,131,121 and a membership base of 44,800 individuals. From our humble beginnings, Siu has evolved significantly. Our journey began with a simple mission: to provide quality financial services that help our members achieve their goals. As we celebrate over eight decades of operation, we've stayed true to this mission while adapting to the changing needs of our community. We offer a wide range of services including personal banking, auto loans, mortgage loans, and business banking solutions. Our commitment to member satisfaction has fueled our growth and allowed us to build lasting relationships. Our branch is not just a place for transactions; it's a hub for community support and engagement. We believe that giving back is essential. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact on the lives of those around us. While members can visit us at our main location on Giant City Road, official correspondence should be sent to P.O. Box 2888, Carbondale, IL 62902. We are dedicated to ensuring that your experience with us is as convenient as possible. Our operating hours are designed with you in mind: Monday through Friday from 7:30 AM to 5:00 PM and Saturday from 7:30 AM to 1:00 PM. Plus, we provide both ATM access and drive-thru banking for added convenience. At Siu, our mission extends beyond traditional banking; it's about fostering financial wellness within our community. We are committed to being more than just a credit union; we are your financial ally. Whether you're looking for assistance with budgeting or exploring options for loans or savings accounts, we're here to guide you every step of the way. Join us today and experience the benefits of being part of the Siu family! With personalized service and a focus on your financial success, we invite you to discover how we can help you thrive in your financial journey. For more information or inquiries, please call us at 618-457-3595 or visit our website.

Branch Location & Accessibility

Welcome to Siu, your friendly financial partner located at 395 N Giant City Rd Carbondale Il 62902 in the heart of Carbondale, IL! Our branch is easily accessible, making it convenient for you to handle all your banking needs. Whether you're stopping by for a quick transaction or seeking advice on loans and accounts, we're here to help! While visiting us at 395 N Giant City Rd Carbondale Il 62902, you'll find nearby landmarks that make our location even more familiar, like the bustling local shops and parks that dot the area. Our branch is designed with your convenience in mind, offering ample parking and ADA-compliant access to ensure everyone can visit us without hassle. Our operating hours are tailored to fit your busy schedule: we're open Monday through Thursday from 7:30 a.m. to 5:00 p.m., Friday until 6:00 p.m., and Saturday from 7:30 a.m. to 1:00 p.m. Need assistance? Don't hesitate to give us a call at (618) 457-3595. We also offer an array of services including personal banking options, auto loans, mortgage refinancing, and even credit cards with rewards! Plus, our drive-thru banking service allows for quick deposits and withdrawals without ever leaving your vehicle. For those who prefer cash access on-the-go, we have an ATM available for your convenience. If you need to send official correspondence, please note that while you can visit us at 395 N Giant City Rd Carbondale Il 62902, all mail should be directed to our mailing address: P.O. Box 2888, Carbondale, IL 62902. Come see us today at Siu we look forward to serving you and helping you achieve your financial goals!

Member Eligibility

At Siu, we believe in creating a welcoming community where everyone can thrive financially. Becoming a member is simple and open to anyone who lives, works, or attends school in the area. Whether you're looking for a place to save, borrow, or simply connect with your community, we invite you to join us at our branch located at 395 N Giant City Rd Carbondale Il 62902. For full details on eligibility requirements, you can check out our website at https://siucu.org/membership/. Once you're ready to take the next step, opening an account is straightforward and hassle-free. Our friendly team is here to guide you through the process and answer any questions you might have. Feel free to give us a call at (618) 457-3595 for more information or if you'd like assistance getting started. We can't wait to welcome you as a new member!

Business Banking & Commercial Services

At Siu, we understand that growing a business is a journey filled with both challenges and opportunities. Whether you're a new startup or an established company, the right financial support can make all the difference. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $128 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $20,824,091, we continue to drive economic growth by financing new and expanding businesses. Our merchant services are designed to simplify your daily operations. Imagine having tools that let you accept payments easily, manage transactions efficiently, and access real-time data all from one platform. This means less time worrying about finances and more time focusing on what truly matters: running your business. If you're ready to take your business to the next level, visit us at 395 N Giant City Rd Carbondale Il 62902 in Carbondale, IL, or call us at (618) 457-3595. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM service allows for easy withdrawals and balance checks without stepping inside the branch. Additionally, our drive-thru banking provides quick access to deposits and simple transactions without leaving your car. At Siu, we're dedicated to ensuring that all members have access to essential financial tools in a manner that suits their lifestyle. We understand that each member has unique needs, which is why our services are designed with flexibility in mind. If you're interested in exploring what we have to offer further or if you have any questions about how we can assist you better, please don't hesitate to give us a call at (618) 457-3595 or visit us at 395 N Giant City Rd Carbondale Il 62902. Experience the difference at East Branch, where your financial well-being is our top priority!

Business Banking Solutions

For our entrepreneurial members, Siu provides robust business banking services. From merchant services that simplify payment processing to business loans designed to help you grow, we are here to support your ambitions.

Credit Cards and Rewards

We know how important it is to find the right credit card. That's why we offer credit cards with rewards that fit your lifestyle. Whether you're traveling or just making everyday purchases, you can earn points that add up over time.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we offer online and mobile banking options so you can manage your finances anytime, anywhere. With features like electronic statements, mobile payments, and person-to-person transfers, staying on top of your finances has never been easier.

Personal Banking Services

When it comes to personal banking, Siu offers a variety of options designed to meet your everyday financial needs. Our checking and savings accounts are perfect for managing your day-to-day expenses while saving for the future. If you're considering buying a car, our auto loans and vehicle financing options make it easy to get behind the wheel with competitive rates and flexible terms. Homeownership is within reach with our mortgage loans and refinancing solutions. If you're looking to consolidate debt or need some extra cash for personal projects, our personal loans can help ease your financial burdens.

Digital & Online Banking

Key Features

Our online banking platform, accessible at https://siucu.org/, allows you to check your account balances, transfer funds, and pay bills anytime, day or night. With 24/7 access to your accounts, you can manage your finances on your own schedule without the need to visit a branch. For those who prefer mobile banking, our user-friendly mobile application makes it even easier to stay connected. You can deposit checks, send money through person-to-person transfers, and enjoy the convenience of mobile payments all from the palm of your hand. Plus, with our electronic signature authorization feature, signing important documents is quick and hassle-free.

Security and Convenience

We prioritize your security while offering these convenient services. Our online banking system is equipped with advanced security measures to protect your personal information. E-statements are available too, providing you with a paperless way to keep track of your transactions securely. At Siu, we strive to provide an accessible and easy-to-use digital banking experience. Whether you're at home or on the go, our tools are here to help you manage your finances effectively. Join us today and discover how simple banking can be!

Financial Strength

Commitment to Growth

With $52,969,330 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is also significant: with $99,842 in used auto loans and $325,763,394 in total loans and leases, we're here to support your financial goals across various sectors.

Member Trust

Total Share Accounts stand at 76,759, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $10,484,524, ensuring that your money is always working for you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Siu is your trusted partner. Visit us at 395 N Giant City Rd Carbondale Il 62902 or call (618) 457-3595 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Operational Efficiency

Our $5,042,022 reflects our operational efficiency, allowing us to continue offering competitive loan rates and solid financial products for our members. We pride ourselves on having 102 full-time employees and 18 part-time employees who are dedicated to serving you with expertise and care.

Secure Savings Opportunities

Members' savings are secured through $95,560,983 in share certificates and $87,252,432 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $58,183,336, we maintain robust financial health, enabling us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,170 further demonstrates our solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $157,379,131 in used vehicle loans and $50,028,562 in new vehicle loans already helping members get on the road. We provide financing options that can fit any budget, whether you're interested in a brand-new vehicle or a reliable used one.

Business Loans

If you're a business owner, our outstanding commercial loans totaling $20,824,091 provide the capital needed to grow and expand your business. We are committed to supporting local businesses by offering tailored financing solutions. At Siu, we strive to make borrowing easy and accessible for everyone. If you're considering refinancing options or want to check your eligibility for any of our loan products, don't hesitate to reach out. You can call us at (618) 457-3595 or visit us at our branch located at 395 N Giant City Rd Carbondale Il 62902 in Carbondale, IL. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you take the next step in your financial journey!

Credit Lines and Unsecured Credit Cards

For added flexibility, we offer total credit lines amounting to $46,514,026. This gives our members access to funds when they need them most. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $18,414,498 in loans helping members manage their finances effectively. These tools can be invaluable for managing daily expenses or unexpected costs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,537,206, make buying or refinancing simple. We aim to provide clear terms and support throughout the process so that you can make informed decisions about your future.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to sourcing only from reliable institutions guarantees fair and transparent offers for users. One of the key benefits of using LendMesh is its Verified Data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what users see. Additionally, LendMesh does not feature Sponsored Listings; lenders are not prioritized based on paid promotions, which means users receive unbiased results tailored to their needs. With Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions, empowering them to make informed decisions without unnecessary delays. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking to secure the best rates available, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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