Siu Credit Union Energy IL | Best Auto Loans & ATM Services

Introduction

Welcome to Siu, your trusted credit union located at 300 N Pershing St, Energy, IL 62933. Since our establishment in 1938, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet the needs of our members. With a total membership of 44,800 and assets exceeding $497 million, Siu stands as a pillar of support in the Energy area. At Siu, we believe that every member deserves access to quality financial solutions. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions. Our dedicated team of 120 employees, led by CEO Mike Lantrip and Board President Christopher Sievers, is here to help you navigate your financial journey with confidence. We take pride in our strong financial health, boasting total deposits of $67,126,640 and a net worth of $58,183,336. Our dedication to responsible lending has resulted in over 154,304 loans issued to date, helping individuals and families achieve their dreams while maintaining a healthy balance sheet with no borrowings. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 2888, Carbondale, IL 62902. Whether you're looking for competitive loan rates or convenient online banking options, Siu is here for you. Join us as we continue to support our community's financial well-being. For any inquiries or assistance, feel free to call us at 618-942-8261. We look forward to welcoming you!

Branch History & Mission

Community Focus

We believe in the power of community connection. That's why we actively engage in outreach efforts, partnering with local organizations to create positive change within Energy and beyond. Each year, we contribute to various initiatives aimed at improving education, health, and overall well-being in our area.

Join Us

At Siu, we're here for you every step of the way. Whether you're looking for personal banking solutions like checking accounts and auto loans or business banking services tailored to your needs, we invite you to experience the benefits of membership with us. Connect with us today at (618) 942-8261 or visit siucu.org to learn more about how Siu can help you achieve your financial goals. Together, let's build a brighter future for ourselves and our community!

Modern Banking Solutions

As part of our ongoing commitment to serve our members better, Siu embraces digital advancements that make banking easier and more accessible. Our services include online banking, mobile payments, and personalized customer service options designed with your convenience in mind. We also ensure that all members can access our facilities comfortably by maintaining ADA compliance standards. For those looking for quick transactions, our drive-thru service allows easy access without leaving your vehicle. Plus, with ATM availability right at our branch, accessing cash is as simple as ever. While members can visit us at 300 N Pershing St, official correspondence should be sent to PO Box 2888, Carbondale, IL 62902.

Our Journey

Over the decades, Siu has seen significant milestones that have shaped who we are today. From our humble beginnings to amassing total assets of nearly $497 million, we've adapted to meet the needs of our members through times of economic change and technological advancement. Our journey reflects a deep-rooted commitment to providing accessible financial services while fostering a sense of community. Our mission is clear: to empower our members by providing exceptional financial services that enhance their quality of life. We strive not only to help you manage your money but also to support you in achieving your dreams whether that's buying your first home or starting a new business.

Branch Location & Accessibility

Get in Touch!

If you have questions or need assistance, don't hesitate to reach out! You can call us at 618-942-8261. Our friendly team is ready to help you navigate your financial journey. We look forward to welcoming you soon at Siu!

Nearby Landmarks and Accessibility

Situated near popular local spots, our branch is just a short drive from the heart of Energy. Whether you're heading home from work or running errands, you'll find us right where you need us. Parking is available on-site, ensuring that you can pop in without any hassle. Plus, our facilities are designed to be accessible for everyone, including ADA-compliant features like ramps.

Operating Hours

We know that your time is valuable. That's why we offer flexible operating hours to fit your busy schedule. You can visit us Monday through Thursday from 7:30 a.m. to 5:00 p.m., and on Fridays, we're here until 6:00 p.m. We aim to make your banking experience as convenient as possible.

Services Offered

At Siu, we provide a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards there's something for everyone. If you prefer banking on the go, our online and mobile banking services allow you to manage your finances anytime, anywhere. For those quick transactions, enjoy our drive-thru service where deposits and withdrawals are made easy.

Member Eligibility

Welcome to Siu, where becoming a member means joining a community that truly cares about your financial well-being! At our branch located at 300 N Pershing St Energy Il 62933, we aim to make membership accessible and beneficial for everyone. To be eligible, you simply need to meet certain criteria, such as living or working in our service area or having family members who are already part of our credit union. We believe in inclusivity, so don't hesitate to check out the detailed eligibility requirements on our website at https://siucu.org/membership/. Once you're ready to join us, opening an account is a breeze! Our friendly staff is here to guide you through the process and answer any questions you might have. Feel free to reach out to us at (618) 942-8261 for more information or assistance. We can't wait for you to experience the advantages of being a member at Siu, where your financial goals become our priority!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine having the tools you need to accept payments easily, manage transactions efficiently, and grow your customer base all under one roof. Our merchant services empower you to do just that. Whether it's processing card payments or managing payroll, we provide practical solutions tailored for your everyday needs. Located at 300 N Pershing St Energy Il 62933, Energy, IL 62933, our team is here to help you navigate the financial landscape of your business. Reach out today at (618) 942-8261 to learn more about how we can support your entrepreneurial journey!

Tailored Loan Options

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. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $20,824,091, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For business owners in need of reliable financial support, our comprehensive Business Banking services include everything from Merchant Services that streamline payment processing to flexible Business Loans designed to help you grow and thrive.

Digital and Convenient Banking Features

In today's fast-paced world, we know the importance of accessing your accounts on-the-go. That's why at Siu, we offer robust Online & Mobile Banking features. Check balances, transfer funds, and pay bills anytime from anywhere using our user-friendly mobile app. Plus, with our ATM and cash withdrawal services available throughout the area, managing your cash flow has never been easier. If you prefer face-to-face transactions without stepping inside the branch, take advantage of our Basic Drive-Thru Banking for deposits and simple transactions. We also provide basic ATM access for quick withdrawals and balance checks.

Personal Banking Options

For individuals seeking effective ways to manage their money, Siu offers various personal banking solutions. Our Checking & Savings Accounts allow you to keep your funds organized while earning interest. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates that make driving off in your dream car more attainable than ever. Are you thinking about buying a home? Our Mortgage Loans & Refinancing services can help you secure the best terms for your new house or lower your existing mortgage payments. Additionally, we understand that life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation options designed to ease financial burdens.

Ready to Experience Exceptional Service?

Whether you're starting your financial journey or looking for better options as an established member, Siu is here to assist. With a commitment to community and member satisfaction, we invite you to visit us at 300 N Pershing St Energy Il 62933 or call us at (618) 942-8261 today! Discover how our diverse range of services can empower you towards achieving your financial goals.

Rewarding Credit Card Solutions

To make everyday purchases even more rewarding, explore our range of Credit Cards with Rewards. This service not only allows you to spend but also earn points on your purchases, which can be redeemed for exciting rewards.

Digital & Online Banking

Key Features

Our digital offerings include electronic signature authorization, making it simple and efficient to sign documents without needing to visit a branch. You can also opt for e-statements, which provide a convenient way to view your financial statements online saving paper and keeping your information organized. If you're always on the move, you'll love our mobile application. It allows you to manage your accounts with just a few taps on your smartphone. Plus, our mobile payments feature lets you make quick purchases directly from your device, ensuring that you're never caught without payment options. For those times when you want to send money quickly, our person-to-person transfer service is here to help. It's an easy way to share funds with family or friends in just moments. At Siu, we prioritize security so you can bank with peace of mind. Our services are designed not only for convenience but also with robust safety features to protect your personal information. Experience hassle-free banking with us today! Whether you're at home or out and about, managing your finances has never been easier. Join us at Siu for all your digital banking needs!

Financial Strength

At Siu, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $58,183,336, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,170 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. 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 are focused on benefiting you through better loan rates, lower fees, and exclusive perks. 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 robust; we currently have $99,842 in used auto loans and $325,763,394 in total loans and leases available to support your financial goals across various sectors. Our operational efficiency is reflected in our $5,042,022, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 102 full-time employees and 18 part-time employees who are always ready to serve you with a knowledgeable, committed team. In addition to this strong workforce, our net shares (funds available for lending and investments) amount to $10,484,524. This solid foundation is complemented by a growing member base evident from our total share accounts of 76,759 that trust us with their finances. 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 300 N Pershing St Energy Il 62933 or call (618) 942-8261 to learn more about how we can help you achieve your financial goals.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have flexible terms that make it easy to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $20,824,091 provide the capital needed to grow and expand. We work closely with businesses to understand their unique needs and provide tailored solutions. At Siu, we pride ourselves on transparency and member-focused service. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Feel free to reach out to us at (618) 942-8261 or visit us at 300 N Pershing St Energy Il 62933 in Energy, IL for more information about our loan products. Let us help you achieve your financial dreams!

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 offer competitive rates and personalized service to help you navigate the process smoothly. If you're looking to refinance an existing mortgage, ask us about eligibility options that could save you money.

Unsecured Credit Card Loans

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 cards provide you with purchasing power and can be beneficial for building your credit score.

Loan Aggregator

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