New Branch Opened in Metropolis

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LOBBY HOURS &
LOCATIONS
Your IRA Should Be at SIU Credit Union
Southern Illinois partnered for the
Share Your Holidays food drive.
Credit union staff members collected over 2,500 pounds of food.
If you don't have an IRA, you owe it to
yourself and your financial future to start
your account now. And even if you
have an IRA somewhere else, there are
some compelling reasons for moving
your account here.
Our rates are competitive, your
account is insured, and we pay particular attention to your personal financial
needs, because at SIU Credit Union, you
are a member, not just a customer.
That's why if you already have an IRA,
you should consider moving it here.
The Benefits of a Traditional IRA
It's easy to invest in your future SIU
Credit Union. A Traditional IRA can help
you prepare for retirement and serve a
number of other purposes.
Grow Your Nest Egg - Earnings and
deductible contributions in a traditional
IRA grow tax-deferred until withdrawal,
which can begin at 59 1/2 -- but must
begin at age 70. 1/2
First Home Purchase - You can withdraw up to $10,000 penalty-free towards
the purchase of your first home.
Pay for College - Traditional IRA funds
used to pay for qualified educational
expenses can be withdrawn penalty
free. There is no dollar limit and funds
can be used for tuition, fees, books, and
supplies at a post-secondary institution.
Assist with Medical Expenses - Funds to
pay for certain medical expenses can
be withdrawn from your traditional IRA
without paying a 10% early distribution
tax.
The Benefits of a Roth IRA
A Roth IRA can help you prepare for
retirement and serve a number of other
purposes.
Preparing for Retirement - Roth IRAs
serve as a great retirement tool
because qualified withdrawals, including earnings, are tax-free.
First Home Purchase - If you've had
your Roth IRA for at least five years, you
can use $10,000 towards the purchase
of your first home tax- and penalty-free.
Leave Funds to your Heirs - There are
no mandatory withdrawals, so you
could leave money from your Roth IRA
to your heirs tax-free.
Pay for College - Qualified educational expenses are penalty free. There is
no dollar limit and funds can be used
for tuition, fees, books, and supplies at a
post-secondary institution.
For the answers to all of your IRA questions, call our IRA Specialists Erica
Pankey today at 618-457-3595.
2809 Outer Drive
Marion, IL
Mon-Thurs 9:00-5:00
Friday 9:00-6:00
Saturday 9:00-1:00
Phone: 618-993-5244
704 East 5th St. Suite 1
Metropolis, IL
Mon-Friday 9:00-5:00
Phone: 618-524-8773
Mailing Address
P.O. Box 2888
Carbondale, IL 62902
Direct Line
618-549-3636
800-449-7301
Q-Phone
618-457-3587
800-455-0169
HOLIDAY
OBSERVANCES
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SIU Credit Union, Withers
395 N. Giant City Rd.
Carbondale, IL
Mon-Thurs 9:00-5:00
Friday 9:00-6:00
Saturday 9:00-1:00
Phone: 618-457-3595
Apply for your Visa online at www.siucu.org
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Broadcasting and Kroger of
1217 West Main St.
Carbondale, IL
Mon-Thurs 9:00-5:00
Friday 9:00-6:00
Phone: 618-457-3595
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New Branch Opened in Metropolis
SIU Credit Union has completed its
merger with Massac County Credit
Union in Metropolis and has opened
a new full service facility in
Metropolis.
Located at 704 East Fifth Street,
Suite 1, in Metropolis, the new banking facility has a drive up and ATM.
With the merger, SIU Credit Union has
now added Massac County to its
community charter. This allows anyone living or working in Massac
County to join SIU Credit Union.
Credit union executives along with the Metropolis Chamber of Commerce
cut the ribbon on the new Massac County facility in early November.
SIU CU is Safe and Secure; funds insured to $250,000
Top: Marketing Director
Chris Sievers presents
food and money that
was collected by credit
union staff to radio personalities Wes Bennett
and Hurricane. Below,
East branch tellers Shay
Baggett and Barner
Madrid stack food that
was collected for the
food drive.
In an uncertain economy, one
thing you can be certain of is that
your money is safe at SIU Credit
Union. The federal government has
increased insurance coverage on
your credit union accounts to at least
$250,000.
The Economic Stabilization Act of
2008 increases federal savings insurance coverage from $100,000 to
$250,000. The increase is temporary
expiring Dec. 31, 2009. Congress will
decide whether to make the
increase permanent.
Federal insurance protects your
money at SIU Credit Union in your
share savings, checking, money market, share term certificates of
deposit, trusts, and retirement
accounts. And your funds at SIU
Credit Union can be insured to a
level much higher than $250,000. For
instance, jointly owned accounts
and accounts with named beneficiaries are insured separately, up to at
least $250,000 (and in many cases
much more), depending on the
structure of the accounts. IRAs are
also separately insured up to
$250,000.
In addition to federal share insurance, you have other safeguards.
First, SIU Credit Union operates with a
safety net of capital. We also maintain an allowance for loan losses,
which provides an additional cushion
to anticipate losses when some
members fail to repay loans. SIU
Credit Union is also examined regularly by state and federal regulators
to make sure we are engaging in
safe and sound operations.
SIU Credit Union will be closed on the
following holidays.
Jan. 19 -- Martin Luther King Day
Feb. 16 -- President’s Day
www.siucu.org
Borrow from the credit union right at the dealership
Schedule of Fees and Charges
Find the nearest free ATM
Find a CO-OP Network surcharge-free ATM when
you’re away from your computer!
Before you take your next
road trip, be sure that you
know exactly where to get
your cash for free. Text your
location – address, intersection or zip code – to 692667
(MYCOOP) from any mobile
phone. You’ll never be lost
looking for a surcharge-free
ATM again.
To find the nearest free AllPoint ATM, 800-976-4917 to
do a search and have the
nearest locations sent to
your mobile phone. SIU
Credit Union is proud to offer
its members the largest
completely free ATM network in the area with over
57,000 surcharge free ATMs
nationwide.
Change Your Address?
Remember to update your
contact information with us
whenever it changes. This
will insure timely delivery of
your statements and helps
prevent identity theft. You
can update this information
from in online banking or at
any branch location.
Borrow From the Credit Union--Right at
the Dealership
Minimum Balance Fees
Bailey Bobcat Club Account
Premier Now Account
Membership Share Savings Account
Custom Daily Share Savings Account
Custom Money Market Account
Basic Checking Account
$2.00 per month
$5.75 per month
$2.00 per month
$2.00 per month
$10.00 per month
$4.50 per month
Excess Withdrawal Fees
Membership Share Savings Account
Custom Daily Share Savings Account
Special Share Savings Account
Bailey Bobcat Club Account
Holiday Savings Account
Custom Market Account
$5.00
$5.00
$5.00
$5.00
$5.00
$5.00
Electronic Funds Transfer Fees & Charges
ATM Card Issuance Fee
ATM/Check Card Replacement Card Fee
Stop Payment Fee (ACH Items)
Stop Payment Fee (Q-Phone)
Stop Payment Fee (Home Banking )
Bill Pay Service Charge
$10.00
$10.00 per card
$15.00 per item
$10.00 per item
$10.00 per item
$6 per month
Foreign ATM PIN Based Transaction Fee
PIN Number Change - ATM Check Card
ATM/Checkcard Reinstatement
POS/PIN Transaction Fee
Estatements
$1.50 per transaction
$2.00
$25.00
$1.00 per transaction
Free
General Fees & Charges
Check Printing Charge
Counter Check Fee
Money Order Fee*
Cashier/Official Check Fee
Non-Member converting Check to Cashier Check
Traveler's Check Fee*
Checks for One
Checks for Two
Traveler's Check Gift Checks*
Vehicle License Sticker Fee*
Insufficient Funds Fee
Paid Overdraft Fee
Account Activity Fee
Account Research Fee
Privilege Pay
Privilege Pa Reinstatement
Account Balancing Assistance Fee
Statement Copy Fee
Check Copy Fee
Stop Payment Fee
Stop Payment Fee (Home Banking / Q phone)
Membership Closure Fee (within 6 months)
Domestic Wire Transfer Fee
Outgoing
Incoming
Foreign Wire Transfer Fee
Outgoing
Incoming
Collection Item Fee
Outgoing
International Draft Fee
Bad Address Fee
Levy Processing Fee
Non-Wage Garnishment Fee
Other IRS Processing Fee
Signature Guarantee Fee
Inactive Account Fee (after 2 years)
IRA Closure Fee
Returned Deposit Fee
Membership Fee (re-established within 6mo)
Western Union Fee
Domestic
International
In-House Mortgage Escrow Servicing Fee
Telephone Transfer
Telephone Balance Inquiry
Coin Counting
Foreign Currency Exchange
per
per
per
per
per
per
Now you can have the best of both
worlds--borrow from the credit union
when you choose your vehicle at the
dealer. Our lending program for new
withdrawal
withdrawal
withdrawal
withdrawal
withdrawal
withdrawal
and used cars, trucks and motorcycles - right at the dealership -- offers genuine
benefits for financing:
You can finance your next vehicle
from SIU credit union at these participating dealerships:
Auffenberg of Carbondale
Auffenberg Chrysler of Herrin
Foley Sweitzer
Marion Toyota
Vic Koenig Chevrolet
Vogler Ford
EN Baker / Cash's Baker Chevrolet
Ike Honda
Saturn of Carbondale
Absher-Arnold Motor Sales
Ron Ward Chevrolet
Marion Ford-Mercury, Inc.
Weeks of Benton
Marion Mitsubishi
Weeks Chevrolet
Black Diamond Harley-Davidson
Baril Auto Sales
Cars Inc.
Smith Motors
Varies
$0.50 each
$1.00 each
$3.00 each
$5.00 each
$2.00 per $100 Purchased**
$2.50 per $100 Purchased**
$2.50 per $100 Purchased**
$5.00 each
$27.00 per item
$27.00 per item
$1.50 per printout
$20.00/hr
$27.00 each item
$25.00
$20.00/hr (1 hour min.)
$2.00 per statement
$2.00 per check (free online)
$15.00 per item
$10.00 per item
$15.00 within 1
$15.00 per item
$5.00 per item
$45.00 per item plus costs
$5.00 per item
$15.00 plus costs
$25.00 per item
$5.00 per month
$25.00 per levy
$25.00 per garnishment
$25.00 per item
$5.00 per guarantee
$5.00 per quarter
$25.00
$10.00 per item
$10.00
$22.00
$30.00 less than $500.00
$50.00 - $500.00 to $4,999.99
$50.00
$1.00
$1.00
3% of Total
$15.00 plus costs
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www.siucu.org
Date
Joint Applicant’s Signature
Date