SIUE Credit Union

1566 Lewis Road Edwardsville, IL 62026


Having been around since 1959, SIUE Credit Union welcomes residents of Madison & St. Clair Counties as well as faculty, staff, students, alumni and retirees of SIUE, Metro East Lutheran High School, Greenville College, McKendree University, Eden Village and River Bluffs Girl Scout Council as well as employees and family members of resident businesses located in University Park.

Establishing SIUE Credit Union membership is as easy as depositing $20 in a primary savings account. Once you are a Credit Union member, as long as you maintain a $20 balance in your primary savings account, you remain a member – whether you move, change jobs or retire.

NCUA Equal Housing Lender

Click here to get started today!

Visa® Account Access - Apply for a Loan -  Loan Rates: Fixed Rate Loans / Variable Rate Loans

SIUE Credit Union


Visa® Debit Cards - Visa® Account Access - Apply for a Loan - Loan Rates

Check your balance, make deposits, withdraw funds or complete purchases quickly and securely – a debit card from SIUE Credit Union offers the convenience of a debit card and security of an ATM card all in one!

  • Transactions are deducted from your checking account automatically
  • Use your card at thousands of ATMs and merchants worldwide
  • Swipe and sign to enjoy the greatest purchasing power and security
  • Save money by replacing your checks with debit card use

And, best of all, there is no monthly charge for debit card access! 


ATM Network Access

CO-OP ATMYou can enjoy free, convenient access to your accounts from locations across the nation through SIUE Credit Union’s participation in the CO-OP ATM network.

CO-OP Network, owned by credit unions, offers nearly 30,000 ATMs located at credit unions and retail locations throughout the U.S. and Canada. Just look for this symbol on the ATM.

We'll CU There

Use your Visa debit card to make free:

  • Deposits at 9,000 CO-OP Network ATMs
  • Cash withdrawals
  • Transfers among your SIUECU accounts
  • Balance inquiries


Click here to find an ATM near your home, work, school or favorite vacation spot.

Online Banking

Your credit union’s products and services are all at your fingertips through free online banking services. Log on to transfer funds, check your balance, make loan payments and review your account activity from anywhere with an Internet connection.

  • Review daily transaction updates to track your balance
  • Receive free monthly financial statements
  • Submit regular credit union loan payments to ensure timely delivery
  • Enjoy secure account access any time

If you haven’t received a password or username for online banking, or if you need your password reset, contact the credit union.

Members can also enroll online. Click here to get started now!

Online Bill Pay

If the time, expense and hassle of paying bills aren’t really your idea of time well spent, then consider a convenient alternative – Online Bill Pay from SIUE Credit Union. You can set up a customized payment list, schedule one-time or recurring payments, view your payment history and more!

It’s quick, it’s easy, and it’s secure. Print this form and return it to our office to get started.

Overdraft Protection

When the unexpected happens and your account balance falls short, make sure you’re protected from penalties and embarrassment with one of our overdraft protection options:

  • Linked Accounts: Allows you to link your savings to automatically cover your check overdrafts.
  • Courtesy Pay: The credit union pays overdraft items and assesses an overdraft fee.

Fees may apply to all overdraft protection options, and federal legislation requires accountholders to opt in to some of these services. Download more information on Overdraft Protection below. 

Overdraft Disclosure Form
Overdraft Consent Form
What You Need To Know About Overdrafts And Overdraft Fees

Direct Deposit & Payroll Deduction

Direct Deposit

Receive your paycheck, government check or other recurring payments without delay and without making a special trip to the credit union or ATM. With direct deposit, you can move funds directly to your SIUE Credit Union accounts free of charge. All you need is your account number and our routing number: 281076743.

Payroll Deduction

Make loan payments or savings deposits without a second thought! You choose how much money will be deducted from your regular paycheck, and SIUE Credit Union takes care of the rest. It’s quick, convenient and absolutely free!

Visa® Gift Cards

Whether you’re on the go or need a great gift, SIUE Credit Union can help with convenient prepaid card options. Check it out:

Visa Gift Cards

An SIUE Visa gift card gives you a gift option that your friends, family and loved ones are sure to enjoy! They’ll be able to use it towards their purchases at retailers and merchants worldwide, and you won’t have to worry about supplying a gift receipt! You can purchase these cards in a denomination ranging from $25 to $500 for just $2.95.

Free Financial Counseling

Whether you need to set up a budget, build strong savings, develop great credit or even prepare for a major purchase like your first home, our certified counselors are here and ready to help. Members who have experienced financial trauma due to the loss of a spouse, lack of gainful employment or medical emergencies can also benefit from our services. We offer counseling from experienced financial professionals as well as complimentary access to online tools that help you assess your needs and build a personalized plan. In addition, SIUECU has developed unique loan plans to establish a favorable lending history.

The professionals at SIUECU want to see all of our members succeed. If you’re struggling with a financial issue – no matter how large or small – make an appointment with us!

Kathy McKinnon

Kathy is a Certified Credit Union Financial Counselor who is passionate about educating members so they can develop adequate personal finances. She has worked with credit unions for more than 40 years and has served in financial management for 30 years. Kathy is currently the President and CEO of SIUECU.

Suzanne Lohrum

Suzanne currently serves SIUECU as the Vice President of Operations, but she has worked in a wide range of financial positions. She excels at finding opportunities for growth and advancement, and is excited to apply her know-how to help members improve their credit scores and live better through smart money management.

Mobile Branch
Get The SIUECU App!

SIUE Credit Union Mobile Banking is designed to make it easy and convenient for you to manage your finances. We want to ensure that you enjoy the benefits of membership and access to your accounts 24/7.

  • Pay Bills
  • Links to SIUE Credit Union Facebook page
  • Locate which ATMs in our network of surcharge-free ATMs are nearest you – and which accept deposits
  • All transactional data is encrypted and no sensitive account information is stored on your mobile device.

Apple: Requires iOS 6.0 or later. Compatible with iPhone, iPad, and iPod Touch. This app is optimized for iPhone 5.  Open iTunes on your computer or the App Store on your device.  Search "SIUE Credit Union."  Install the app.

Android: Requires 2.3.3 and up.
SIUE Credit Union Mobile Ap

Additional Services

Your credit union is here to serve all of your financial needs with a wide range of convenient products and helpful service. Ask us about the following options:

  • Night depository
  • Western Union transfers
  • Domestic and international wires
  • Cashier’s checks
  • Notary public service



Traditional savings accounts are the cornerstone of sound financial management. This account also secures your ownership in SIUE Credit Union, making you a member and an owner. It only takes a $20 deposit to get started, and you’ll enjoy benefits like these:

  • Receive competitive dividends that help you build your savings
  • Enjoy friendly, personal service in our branch
  • Rest easy knowing your money is insured by the NCUA

Start with a savings account, and enjoy all of the benefits of membership. Click here to establish your account today!
Click here for Savings Rates.


A checking account with SIUE Credit Union comes hassle-free, with many options to fit your financial lifestyle. You’ll enjoy easy access to your funds, greater account control and friendly, personal service.

Five Checking Account Options (Plus Student Options Below)

Enjoy the convenience of Visa debit access, free online/mobile banking, direct deposit, unlimited check writing and your first 12 checks free. Depending on your financial lifestyle, choose the SIUECU checking account that’s right for you:

checking accounts

*Click here for additional disclosures regarding Premier Checking. 

Student Checking Account Options

If you’re a student, we have three options exclusively for you:

With all SIUECU checking accounts, members enjoy:

  • Free and convenient online account access
  • Mobile Branch
  • Visa®debit card access with a network of 30,000+ surcharge-free ATMs
  • Automatic Overdraft Protection from savings, with Courtesy Pay available to student accounts with direct deposit, and all other checking accounts.
  • Free electronic statements (and waived monthly maintenance fee with this service)
  • Online bill pay
  • Direct deposit service

Click here to start enjoying the benefits of checking with SIUE Credit Union today!

Certificates of Deposit

Enjoy a great return on your investment without the risk of the stock market. Term share certificates are available with multiple maturity options and require a minimum deposit of $2,500.

The credit union also offers a children’s certificate, which is available to school-aged members through grade 12. This certificate has a minimum balance of $500.

Click here for a listing of our current certificate rates.

Clubs Accounts

Save for seasonal spending throughout the year with one of our club options! Christmas Club helps you cover seasonal costs like travel, entertaining and gifts, while Vacation Club provides a fund for your next getaway. You can set up regular transfers from any credit union account to make saving easy.

Don’t wait to save! Visit our office, and open a club savings account with SIUE Credit Union today!

Youth Accounts

Saving money can be fun with a youth account from SIUE Credit Union! Specially designed for young people ages 18 and younger, these savings options teach the basics of saving, planning and spending.

Cougar Cub Club

Developed for young members through 8th grade, this account promotes wise saving and spending habits in a fun way. Young members will earn a stamp for each deposit made, and can choose from prizes after five stamps are earned.

In addition, Cougar Cub Club members can participate in the ‘It Pays to Get As program. When a member brings in their final report card of the year, the credit union will deposit $2 for every ‘A’, up to five ‘A’s, when the deposit is matched by an adult.

Young members can even enjoy special events throughout the year!

Student Accounts

Our student accounts for members in high school and college allow greater financial freedom, as young members manage their funds online, with Visa® debit cards or through Mobile Branch. We offer savings, CD and checking options to help the young person in your life learn important lessons about saving and spending!

Click here to see our Student Checking options.

Click here to open a SIUE Credit Union youth account today!

Individual Retirement Accounts

Now is a great time to settle your financial future! Your credit union offers Individual Retirement Account options that help you personalize your retirement plan and maximize your benefits. You can even roll over or invest funds from an existing IRA.

Traditional IRA

  • Anyone younger than 70 ½ with compensation may deposit to an account
  • Receive competitive dividends on your investment
  • Withdraw funds penalty-free for qualified expenses or after the age of 59 ½
  • Enjoy tax-deductible contributions*
  • Transfer from another qualified account to SIUE Credit Union
  • Pick your tax protected investment from a standard savings account up to a 48 month certificate of deposit

Roth IRA

  • Open your account with only $25, and make contributions at any age
  • Receive competitive dividends on your investment
  • Enjoy tax-free distributions after age 59 ½ or for qualified expenses*
  • Transfer funds from another qualified account to SIUE Credit Union
  • Pick your tax protected investment from a standard savings account up to a 48 month certificate of deposit
  • Visit the SIUE Credit Union office to talk with a member services representative about which IRA option is right for you!

*For qualifying individuals. Consult your tax advisor regarding tax deductibility and the credit union for complete details.

Coverdell Educational Savings Accounts

This savings account was created as an incentive to help parents and students save for education-related expenses.

  • Make contributions up to limit established by the Internal Revenue Service
  • Receive competitive dividends on your investment
  • Contributions are not deductible, but amounts deposited in the account grow tax free until distributed

Click here to visit the IRS site and learn more about this type of account.

Investments & Insurance

The key to successful investing is to use the meaningful research conducted by the brightest minds in academia and discover the investment activities that can lead to your financial goals. SIUE Credit Union has partnered with Financial Solutions Network to help members with this effort.

Through this valuable partnership, members will be able to address questions about retirement planning, insurance, investment options, portfolio diversification and more. Click here to visit Financial Solutions Network’s website and learn more about your investment and insurance options today!

Switch Kits

You come first at SIUE Credit Union. That’s why we have taken the hassle out of moving your accounts with simple electronic forms. Making the move is easier than ever before!

Once you open your new checking account with us, use our Switch Kit to create and mail out the appropriate letters to notify others of your account change.

Some companies may allow you to change your information online or by phone, so use the completed forms to help you with the online or phone process.



Vehicle Loans

If it moves you, we can finance it with a great rate. Come to SIUE Credit Union for loans on cars, trucks, motorcycles, RVs, boats and more. We provide low rates, flexible terms, affordable payments and personalized service without the application fees or hidden charges.

New & Used Auto Loans

  • Finance as much as 100% of the purchase price of new vehicles
  • Select from loan terms up to 72 months
  • Pay no hidden fees or prepayment penalties
  • Enjoy a fast and easy loan approval process
  • Make payments conveniently with Payroll Deduction
  • For the ultimate in convenience, be sure to get your loan pre-approved before you shop. You’ll enjoy stronger negotiating power with the dealer and save time and money.

Boat, RV, Trailer, ATV, Personal Watercraft & Motorcycle Loans

  • Receive great low rates with terms up to 72 months
  • Finance up to 100% of the purchase price
  • Avoid hidden fees and prepayment penalties
  • Enjoy a fast, easy and convenient loan approval process
  • Make payments conveniently with Payroll Deduction

Apply for your SIUE Credit Union vehicle loan now!

SIUE Credit Union can even help you research your auto loan purchase, so you're sure to get the best price. Click here to get new or used vehicle values. Click here to get a vehicle history report, and have confidence in the vehicle you want to purchase.

Enterprise Offers Discounts

For more than 30 years, Enterprise Car Sales has partnered with credit unions to provide quality used vehicles at exceptional prices. Participate in our special sales, and you could receive trade-in incentives or cash-back offers along with great SIUECU vehicle financing. Check out the latest offers here.

Visa® Credit Cards

Enjoy convenient purchasing power along with outstanding service! You’ll open and manage your account right at the credit union, so the staff you know is here to help when you have questions or concerns. Whether you carry a Visa Classic or Visa Platinum credit card, you’ll enjoy great benefits:

  • Enjoy low, fixed rates
  • Pay no annual fees or balance transfer charges
  • Receive convenient service in our branch, over the phone or online
  • Enjoy a low 1% foreign currency conversion fee

You can even transfer your balance from other credit cards or lenders to SIUE Credit Union and save! Simply collect your statements and bring them to the credit union office. Our staff will help you pay off old accounts, so you can consolidate with just one monthly payment and lower your rates!

Click here to apply for your Visa credit card today!

chip technology


Home Equity Loans

The equity in your home may be the key to financial freedom. Use your home equity line of credit from SIUE Credit Union to fund renovations, consolidate debt, cover tuition or pay for a getaway – all with great low rates! You can enjoy:

  • Credit limits up to 97% of your home’s equity
  • Enjoy fixed or variable interest rates with terms up to 15 years
  • Significant tax advantages, since the interest you pay may be tax deductible*
  • Interest rates lower than other loan or credit options, ensuring greater savings
  • Convenient account access and local service from a lender you can trust

Click here to apply for your SIUE Credit Union home equity line of credit today!

*Contact your tax advisor for complete details regarding tax deductibility.

Mortgage Loans

Whether you’re purchasing or refinancing a home, get your mortgage from someone you know and trust. Our mortgage lending professionals will take you through every step and offer you competitive rates, affordable repayment terms and friendly, personal service. We offer a variety of mortgage options to fit your needs.

Fixed-Rate Mortgage Loans

  • Make monthly principal and interest payments that don’t change
  • Enjoy terms ranging from 10 to 40 years
  • Finance up to 97% of your home’s value

Adjustable-Rate Mortgage Loans

  • Manage risk with 3/1, 5/1 and 7/1 adjustable rate options
  • Get great low rates
  • Finance up to 97% of your home’s value

Enjoy personal service from local mortgage professionals

NCUA Equal Housing Lender


Personal Loans

At SIUE Credit Union, we’re ready to loan you the funds you need! Borrow money for new appliances or furniture, a vacation, bills, a personal computer or any expense life throws your way. We don’t charge an application fee, and the approval process is quick and convenient. Talk to us about your personal loan needs today!

Signature Loan

  • Enjoy low interest rates and affordable payments
  • Repay your loan with flexible terms ranging from six to 60 months
  • Manage your loan in our office or with free online banking
  • Set up payroll deduction for effortless payments 
  • LOC checks issued so you can write your own loan

Personal Line of Credit

  • Simply write a check to access your line of credit with ease
  • Borrow funds as you need them from a reusable line of credit
  • Enjoy maximum flexibility with an open-ended term
  • Manage your loan in our office or with free online banking
  • Take advances, transfer funds to other SIUECU accounts or use as overdraft protection

Share or Certificate Secured Loan

  • Borrow at exceptional loan rates by using your savings or CD as collateral
  • Enjoy terms as long as 60 months
  • Can be used to establish credit score

Apply for your SIUE Credit Union personal loan now!

Credit Builder Loans

This loan is designed to help members build a good credit score or boost their current score while they save money!

Members who follow this plan may borrow $2,000, of which $1,250 will be disbursed to the member, and $750 will be held as collateral in the member’s savings account. In addition, SIUE Credit Union will issue the member a Visa® Classic credit card with a $500 limit.

Members must agree to a monthly payroll deduction of $125, which will be split in payments between the installment loan ($100) and the credit card ($25). When the loan balance reaches $750 or less, the member may choose to use the funds held in the savings to pay it off. Or, if the member chooses to pay the loan off in its entirety, the $750 will be released for the member to use at his or her discretion.

To learn more about this specialized loan product and how it can help you, contact us today!

Loan Protection

Financing from SIUE Credit Union helps you reach your goals, and we want to help you protect those interests. With loan protection services, you can be sure that your investments are covered and your finances are secure.

Credit Life & Disability Insurance

The credit union offers Credit Life and Credit Disability Insurance with most of our loan options. Credit Life Insurance will pay your remaining credit union loan debt in the event of your death, thus avoiding any financial burdens for your beneficiaries.* Credit Disability Insurance makes your credit union loan payments in the event you are unable to work due to a disability or injury that lasts more than 30 days.

*Limits apply. See the credit union for complete details.

GAP Coverage 

If your vehicle is declared a total loss due to collision or theft, you still have to pay the difference, or the “gap,” between the insurance settlement and your loan balance. Guaranteed Asset Protection is low-cost coverage that can pay the potentially high-cost difference. Ask about it when you apply for your next auto loan!

Additional Insurance Options

Through our partnership with Financial Solutions Network, SIUE Credit Union can offer you additional insurance products to help you save money and rest easy. Click here to learn more about the protection available to you.

Contact us for complete details on any of these loan protection options.

Financial Calculators

Use these helpful financial tools to evaluate your total loan costs and potential savings.

Consumer Loan Calculator

Calculate the monthly payments, total interest paid and the complete schedule of payments for a loan.

Compare the financial advantages of the low interest financing offered by your credit union versus taking a dealership loan.


Views: 8496 | Updated: Dec, 7, 2018 | Added: Jan, 11, 2016

200 W. Third Street | Alton, IL 62002
Suite 200