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    SIU mortgage rates

    SIU's lowest publicly advertised 30-year fixed rate today is 6.625% — the national average is 6.88%. That's about $24,411 saved over the life of a $400,000, 30-year loan. We track SIU daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from SIU

    ProductRateAPRPointsAs ofSource
    30 Year Fixed6.625%6.625%1Sep 11, 2026Visit
    20 Year Fixed6.625%6.625%1Sep 11, 2026Visit
    15 Year Fixed6%6%1Sep 11, 2026Visit
    10 Year Fixed6%6%1Sep 11, 2026Visit
    5 Year ARM6%6%0Sep 11, 2026Visit

    Rate history

    Lowest daily rate SIU advertised for each product, past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join SIU

    Membership is available to anyone who lives or works in 24 Southern Illinois counties, including Jackson, Williamson, and Jefferson. Eligibility also extends to Southern Illinois University students, faculty, and alumni, as well as employees of various local companies and specific association members.

    Employer
    Southern Illinois University, Center for Comprehensive Services, Centerstone, City of Carbondale, Gateway Foundation, Marion VA Medical Center, Sam’s Club of Marion, Shawnee Health Services, John A. Logan College, SIU Foundation
    Association / SEG
    SIU Alumni Association, Lake of Egypt Association of Property Owners, Local 702 International Brotherhood of Electrical Workers, Laborers’ International Union of North America Local 773
    County
    Alexander County, IL, Clinton County, IL, Edwards County, IL, Franklin County, IL, Gallatin County, IL, Hamilton County, IL, Hardin County, IL, Jackson County, IL, Jefferson County, IL, Johnson County, IL, Marion County, IL, Massac County, IL

    Where SIU writes mortgages

    Lending states not published; shown as serving its chartered area. Confirm directly with SIU.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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