SIU Credit Union Blog

Adventures in southern Illinois – Edition #01

Ready to have some fun this July? You don’t have to go far to have an adventure in southern Illinois! Check out these local places to start yours.

Canoeing at Little Grassy on Monday, 6, 2015. Price is $20 for rental from 1:00 p.m. to 6:00 p.m. (half-day)

Canoeing at Little Grassy on Monday, July 6, 2015. Price is $20 for rental from 1:00 p.m. to 6:00 p.m. (half-day)

LITTLE GRASSY MARINA & CAMPGROUND | MAKANDA, IL

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Life is Why We Walk

SIU Credit Union is proud to once again be participating in the Southern Illinois Heart Walk as a fundraising team and sponsor this coming October 3rd at John A. Logan College in Carterville, IL. The Heart Walk is the American Heart Association’s signature fundraising event for this region.

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What’s your why?

We invite you to join us in the fun supporting this great cause. Why? Because “Life is Why”. With cardiovascular disease being our No. 1 cause of death, claiming the lives of over 1 in 3 individuals we want to make a difference in the American Heart Association’s mission to build healthier lives free from cardiovascular disease and stroke. And enable our members, employees and community to enjoy more of life’s precious moments with our family and friends.

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What Will EMV (Chip) Credit and Debit Cards Mean for You?

The U.S. is poised to upgrade its debit and credit card (payment card) security systems in an effort to fight skyrocketing fraud costs. And while federal regulations already protect you, as a consumer, from liability for most fraudulent transactions a crook could make using your account, when payment industry participants are hit by fraud, everyone’s costs increase.

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That’s why the U.S. industry plans to implement EMV (Europay, MasterCard, and Visa) cards, which contain computer chips that authorize or validate payment-card transactions. We’re the last developed country in the world to do so. Here’s how the change will affect you:

  • You’ll receive an EMV card with information about how it’s different, its enhanced security, and how to use it. This may happen when your current card expires or you might get a special reissue from SIU  Credit Union or other financial institution. Card issuers have discretion about whether they’ll require you to use a signature when making payments or to use a PIN (personal identification number).
  • The transaction process will be slightly different.  You’ll insert your EMV card in a POS (point-of-sale) terminal, wait for it to be authorized, and remove it. You’ll either sign a sales draft or key in your PIN to complete the transaction.
  • Other countries likely will stop accepting mag stripe cards after a certain date. You’ll need an EMV card when traveling abroad and international travelers in the U.S. will have the additional protection against counterfeit that EMV cards afford.
  • It’s possible that some merchants and card issuers may choose not to convert and will continue to use mag stripe technology for a time. Your card still will work at the point of sale and consumers will continue to be protected from fraud liability.

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Road trip this weekend? Here’s an activity for kids.

Making a long drive and need activity books for your kids? Stop by one of our branches and pick one up. Here’s a page in case you can’t make it.

Click Here for Activity Page

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SIU Credit Union to Host Free Credit Seminar

Carbondale, IL – May 13, 2015  SIU Credit Union will host a FREE credit seminar, “Power Over Debt: Break the Debt Cycle”, in Carbondale on Wednesday, June 17 from 6 to 8 pm.  Learn if debt is dragging you down and how to take control of debt before it takes over your life.

Get Out of Debt, Stay Out of Debt

Get Out of Debt, Stay Out of Debt

Do you know how much you owe? Have you figured your own “safe” credit limit? Do you know what percentage of your total credit limit is safe to charge? Do you know the warning signs that you may have too much debt?

SIU Credit Union wants you to take control and take positive steps to manage your debt. At the seminar, you’ll learn about the different kinds of debt, benefits and costs of credit, warning signs you have too much debt, what’s in—and how to get—your credit reports and credit score, how to tackle your debt, how to rebuild good credit, and—most importantly—how to stay out of debt. Speakers include Tiffane Pelzer, SIU Credit Union Loan Manager and Michelle Rice from TransUnion Credit Monitoring.

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10 Simple Ways to Make Your Road Trip More Enjoyable

Ahh. It’s almost summer time. Time to hit the road!

Ever since I was old enough to remember, I have always wanted to take a trip on Route 66 across America. This ever-wanting to wander has been instilled in me due to lots and lots of family vacations from a very young age — most involving lots of driving.

The first big road trip that I can recall was when I was 4 years old. I vaguely remember it, but I do remember that we went to a Native American reservation in Oklahoma, which to this day I would like to return to. This trip was to visit family in Phoenix, Arizona, and to see the Grand Canyon. The four of us in my direct family rode in my mother’s maroon 1989 Ford Taurus with maroon-suede seats. Awesome. And, very hot. Somehow, my father managed to fit TWO(!!) 6 foot tall stand-ups in the car: Bettie Boop as a carhop and John Wayne. Of course.

Because I have spent so much time in a car traveling, I feel like I can give some helpful tips to those looking forward to a summer adventure.

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