The SIU Credit Union is a personal credit card from SIU Credit Union. The annual fee is No annual fees. The ongoing APR is As low as 10.90% - 16.90% variable APR (after the introductory period) after a 3.90% APR on purchases; 5.90% APR on balance transfers and cash advances introductory rate. Rewards: Earn points every time you spend; redeem for travel, gift cards, and more.