The SIU Credit Union All Credit Levels is a cdfi lender from SIU Credit Union. The annual fee is $0. The ongoing APR is As Low As APR. Rewards: Members benefit from fewer fees, better rates, and access to financial education resources.. This product reports activity to your personal credit report. SIU Credit Union is a not-for-profit financial cooperative based in Carbondale, IL, dedicated to providing its members with a range of financial services, including loans and savings products, while prioritizing community involvement and education. Membership is open to anyone who lives or works in 24 counties in Illinois, as well as employees of select organizations and educational institutions. Services include: personal loans, mortgages, auto loans, business loans. US Treasury certified CDFI Credit Union in Carbondale, IL. Membership required.