SIUE Credit Union offers a variety of personal lending options designed to support your financial needs at every stage of life. With flexible terms, competitive rates, and personalized service, our loans help you manage expenses, plan for the future, and build financial stability. No matter your goal, we’re here to help you borrow with confidence.
Signature Loans
- Enjoy low interest rates and affordable payments.
- Repay your loan with flexible terms ranging from six to 60 months.
- Manage your loan virtually with free online banking!
- Set up payroll deduction for effortless payments.
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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 to internal SIUE CU accounts, or use as overdraft protection.
Dental Loans
- Seeking treatment as a patient of the SIU Dental School? We have another reason to make you smile! SIUE Credit Union offers financing to cover the cost of your dental services.
- Cosmetic, surgical, preventative, or restorative dental work is covered.
- Pay no interest for the first six months and 12.0% APR thereafter!
Share Secured Loans
- Borrow at exceptional loan rates by using your savings or certificate of deposit as collateral.
- Enjoy terms as long as 60 months!
- Can be used to establish a credit score.
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 eligible members a Visa® Classic credit card with a $500 limit.
- Members must agree to a monthly payroll deduction of $125, which will be split into 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!
The Smart Option Student Loan by Sallie Mae
For borrowers attending degree-granting institutions, finance your education the smart way with competitive interest rates and flexible repayment options! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans.
The Smart Option Student Loan features and benefits:
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility.
- No origination fee and no prepayment penalty!
- Benefits and an interest rate reduction available!
- Rates that reward creditworthy borrowers.
- Applying with a creditworthy cosigner may help you qualify.
- 100% US-based Student Loan Specialists!
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Credit Life and 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.
Skip-a-Pay
Need a little extra breathing room? Eligible members may skip one monthly payment on qualifying unsecured loans to help manage short-term financial needs. Interest will continue to accrue, and the loan term will be extended by one month.
How to Apply
All requests are subject to approval. Fees and eligibility requirements apply. Please contact the Credit Union with any questions.