As a not-for-profit financial institution working to serve our members’ financial needs, SIUE Credit Union provides affordable loan rates and flexible terms. Consult the charts below for our current rates, and contact us to learn more about how we can help you reach your goals!

Auto Loan Rates

(Effective November 10th, 2025)

All rates given reflect Annual Percentage Rate*.

Model Year	Term	Rate
2019 – 2026 New & Used Vehicles	1-66 mo.	as low as 4.99%
2019- 2026 New & Used Vehicles	67-78 mo.	as low as 5.74%
2019 – 2026 New & Used Vehicles	79-84 mo.	as low as 7.24%
2013 – 2018 Used Vehicles	1-66 mo.	as low as 5.99%
2013 – 2018 Used Vehicles	67-78 mo.	as low as 7.24%
2012 & Older	1-63 mo.	as low as 7.74%

*Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Membership discounts may apply to result in a lower rate. Competitor rate match may also be available. Maximum discounts apply. Rates are subject to change without notice. Contact the credit union for current loan rates and loan details.

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Motorcycles, ATVs, Wave Runners & Trailers

(Effective October 1, 2023)

All rates given reflect Annual Percentage Yield*

Model Year	Term	Rate
New & Used 2017 – 2024	Up to 63 mo.	As low as 6.99%
New & Used 2017 – 2024	72 mo.	As low as 7.99%
2011 – 2016	Up to 48 mo.	As low as 6.99%
2011 – 2016	63 mo.	As low as 7.99%
2010 & Older	Up to 48 mo.	As low as 6.99%
2010 & Older	63 mo.	As low as 7.99%

*Rate reduction of .50% will be applied if loan amount is less than 80% of the value of the MSRP Black Book Retail Value

*Loan amount must be $18,000 or greater on 2015 – 2020 models to qualify for the 72-month term

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New & Used Boats

(Effective October 1, 2023)

All rates given reflect Annual Percentage Yield*

Model Year Amount Financed New and Used Boats	Maximum Term	As low as
2017 - 2024	63 mo.	7.00%
2017 - 2024	96 mo.	7.50%
2017 - 2024	108 mo.	8.50%
2011 - 2016	63 mo.	7.00%
2011 - 2016	78 mo.	7.50%
2010 - Older	63 mo.	7.25%
2010 - Older	78 mo.	7.75%

*Increase interest rates by 1.00% for all models 2011 & older

*10% minimum down payment on loan $25,000+

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RVs / Campers / Travel Trailers

(Effective October 1, 2023)

All rates given reflect Annual Percentage Yield*

Amount Financed New & Used	Maximum Term	As Low As
2017 - 2024	63 mo.	7.00%
2017 - 2024	96 mo.	7.50%
2017 - 2024	108 mo.	8.50%
2017 - 2024	120 mo.	9.00%
2011 - 2016	63 mo.	7.00%
2011 - 2016	96 mo.	7.50%
2010 - Older	63 mo.	7.25%
2010 - Older	78 mo.	7.75%

*Increase interest rates by 1.00% for all models 2011 & older

*15% minimum down payment on loans $50,000+

*10% minimum down payment on loan $25,000 – $49,999

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Personal Loan Rates

(Effective October 1, 2023)

All rates given reflect Annual Percentage Yield*

Type of Loan	Term	Rate
Signature	Up to 60 mo.	As low as 9.75%
Line of Credit	Open	As low as 10.25%
Consolidation Loan	84 mo.	9.9%
Shared Secured	Up to 60 mo.	2.99%
Certificate Secured	Up to 60 mo.	3.49%
Credit Builder	24 months	15.9% - 16.9%
Dental Credit	Up to 60 mo.	0% APR for first 6 mo. – 12% APR thereafter – up to 60 mo.

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Visa^® Credit Card Rates

(Effective October 1, 2023)

All rates given reflect Annual Percentage Yield*

Card Type	Rate
Visa Platinum	9.90%
Visa Classic	11.90%
Visa Classic Student	13.9%
Visa Classic Credit Builder	15.9% - 16.9%

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Home Equity Line of Credit

(Effective October 1, 2023)

Loan-to-Value	Rate
LTV less than or equal to 80%	Prime Rate + .75%
LTV 81 - 90%	Prime Rate + 1.50%
LTV greater than 90%	Prime Rate + 2.75%

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Home Equity Loans

(Effective October 1, 2023)

All rates given reflect Annual Percentage Yield*

Term	Rate
60 mo.	as low as 7.00%
120 mo.	as low as 7.25%

Rate adjustments may apply.

Please contact the credit union for complete guidelines, applicable charges and rates for home equity loans.