ImageHome Loans

Whether you are buying a new home, refinancing your current mortgage, or planning home improvements, SIU Credit Union is here to financially guide you.

Now offering VA Home Loans, USDA Home Loans, FHA Home Loans, Conventional Loans. Up to 100% financing available.

Home Mortgages

Are you in the market for a new mortgage; do you want to refinance the one you currently have? SIU Credit Union can help by letting you choose from a variety of conventional mortgage options. Please contact a mortgage loan representative for rates and costs, or call us at 618-457-3595, ext. #3501.

Estimate monthly payments and total interest paid on any fixed-rate mortgage with our Mortgage Calculator.

How to Apply for a Mortgage

Use this application method if you are purchasing or refinancing a home.

Apply Online


Download Mortgage Application

Print your application here and mail to:

SIU Credit Union
Attn: Mortgage Department
P.O. Box 2888
Carbondale, IL 62902

Click here for Important Information on the Nationwide Mortgage Licensing System & Registry (NMLS).

Home Equity Loans

Do you want to make improvements to your bathroom or kitchen? Maybe you would like to add a new home theater system to your living room. Stop by SIU Credit Union today and apply for a Home Equity Line of Credit.

Apply for a Home Equity Loan Online!

Use this application method if you would like to use the equity in your home to finance major expenses such as home repairs, medical bills, or college education.

Apply Online


Or, visit any of our locations or call 618-457-3595 to speak to one of our home loan representatives for more information.

Know Your Options Graphic

For additional information about preventing foreclosure, avoiding fraud scams and accessing approved counseling at no cost to you. Please visit

Do you need help paying your mortgage? Have you experienced a drop in household income? If so, you may qualify for up to $35,000 in federal assistance at no cost to you. Please visit for more information.


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