SIU Credit Union Blog

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SIU Credit Union is closed! What do I do?

As a person that is on the go a lot, I find myself having to use alternate ATMs or services that SIU Credit Union offers quite often. Here are a few things that I like to use when I’m out of the office that may be helpful to you, you wonderful person you!

Away from home, but near a fee-free ATM!

Away from home, but near a fee-free ATM!

Shared ATM Networks & Shared Branching

I didn’t really utilize the convenience of a surcharge-free ATM until I was traveling to Orange Beach, AL, last May.

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Make a deposit on your own time with our Mobile Banking App

Too busy to visit a branch during business hours? Deposit your check from the palm of your hand with our Mobile Banking App – anytime, anywhere. It’s free and easy!

Get Started

If you already have our mobile banking app downloaded, please make sure it’s updated. Updates are available through the App Store or Google Play.

Enroll for Mobile Deposit:

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Traveling this holiday season? Avoid the hassle with SIU CU!

Hitting the road for some turkey-centered meals? Here are a few ways to make your voyage easier.

Contact Card Services

If you are leaving the area, contact Card Services to let you know you will be. Due to lots of fraud, your card may be flagged as “at risk” if used outside of your usual location. You may do this by either sending a secure message through online banking or by calling 618-549-8633. Be sure to have your over the phone password ready! (This is so we can verify your identity.)

Don’t pay the fee

Need some cash while on your journey? We are members of the Co-op and Allpoint networks as a benefit to you! Co-Op and AllPoint have apps and websites that can locate the nearest fee-less ATM.  If you need to go into a branch and do a face-to-face transaction, you can use a Co-Op Shared Branch ATM, too! Just be sure to know your SIU CU member number and have a state ID for identification.

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This Holiday Season, Smart Spending Puts You in Control of the Cart

If you aren’t smart about holiday spending, you could find yourself in trouble before the icing dries on the cookies. 

You can avoid financial mishaps by using simple spending strategies for this year’s shopping season:

  • Create a spending plan—To track expenses you need a budget: Who are you buying for? How much will you spend on each individual? Have specific gifts in mind.
  • Shop before leaving home—Comparison shop online to find which stores carry the items you’re looking for and the best price. Flag items in flyers and catalogs and bring with you to the store.
  • Limit time at the mall—Shop during lunch hours or during your child’s basketball practice so you don’t have “too” much time.
  • If you use a credit card, be committed—Ideally don’t charge more than you can pay off when the bill arrives. If that’s not possible, don’t charge more than you can pay off in the first quarter of next year.
  • Beware store cards—These cards generally have higher interest rates than general use credit cards.
  • Disregard “buy now, pay later”—It’s easy to bring a big purchase home without much thought when you don’t have to pay for it for six months. Be cautious: If you don’t pay off the item by the due date, you’ll be socked with outrageous interest expenses.

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Infographic

For more information on chip (EMV) cards visit our website.

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How to Strike a Deal on a Used Car

You’ve found the car of your dreams, and it’s time to strike the deal. Dealers and some private sellers have a lot of experience negotiating, but you likely don’t. Arm yourself!

Before you negotiate:

  • Determine what a fair price for the vehicle might be: Look at used-car pricing guides such as Edmunds.com, Kelley Blue Book (kbb.com), and NADA (National Automobile Dealers Association) Appraisal Guides (nadaguides.com).
  • Have sufficient cash or make financing arrangements with SIU Credit Union ahead of time.  If you apply online today at siucu.org, you could get a rate as low as 1.99% APR for 60 months*.
  • Calculate how much you can afford based on your budget. Decide to walk out if the seller exceeds your limit.
  • Have an expert check out the car, even if you have to pay for an inspection. Organize your notes from:
    –     The expert
    –     Your test-drive
    –     The car’s history and maintenance.
  • Ask an experienced car owner to go with you.  Agree that if this person says you should leave, you leave.

    What else?

    –     Only agree to negotiate with a person with whom you feel comfortable;
    –     Look at it as a business transaction;
    –     Be prepared to spend at least an hour negotiating.

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