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Scott Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.scu.org
618-345-1000
101 Credit Union Way
Edwardsville, IL 62025

Scott Credit Union is headquartered in Edwardsville and is the 9th largest credit union in the state of Illinois. It is also the 277th largest credit union in the nation. It was established in 1943 and as of December of 2024, it had grown to 338 employees and 140,794 members at 25 locations. Scott Credit Union's money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Scott Credit Union is open to individuals (and their immediate family) who live or work in the Illinois counties of Bond, Calhoun, Christian, Clinton, Crawford, Effingham, Fayette, Franklin, Greene, Jackson, Jasper, Jefferson, Jersey, Macoupin, Madison, Marion, Monroe, Montgomery, Morgan, Perry, Randolph, Sangamon, Shelby, St. Clair, Washington, Will, or Williamson, or in the Missouri counties of St. Charles or St. Louis, or the city of St. Louis. Membership is also open to active, reserve, or retired military or civilian employees of Scott Air Force Base and other Select Employer Groups (a complete list of groups can be found on Scott Credit Union's website).
See current membership details

Reviews (1)

If They Are Closed And You Need Something: Good Luck

Posted by: |

I’ve screwed around for countless hours trying to reach someone to stop a hold on my account, but if they are closed there seems to be absolutely no way to even so much as speak to a real person. I am on vacation and they put a hold on my debit card, called pretty much every number they have and they are all automated but with no way to speak to anyone about this issue. So I have to essentially put all my plans on hold and wait until they are open to release the hold on my account. If I was stranded I guess I’d just have to find a cardboard box to sleep in for the night. It’s absolutely ridiculous there is no reason an organization this large shouldn’t have a call center or live chat. The automated messages are horrible, and if you try to look on their website they have no information provided on the subject. I wouldn’t bank here.

4


Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #66370
Year Chartered1943
Employees338
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD4.42%
Annual Interest Income$95.5MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.75B$1.74B
LoansQ4 2024vs Q4 2023$1.14B$1.27B
DepositsQ4 2024vs Q4 2023$1.57B$1.54B
Equity CapitalQ4 2024vs Q4 2023$152.5MM$143.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$19.3MM$13.8MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$14.1MM$15.2MM
Real Estate OwnedQ4 2024vs Q4 2023$136K$136K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/30/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Scott Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Scott Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$0-Kidz Club
0.45%$0-Teen Share
0.35%$0-Share Savings
0.35%$0-Holiday Club

Scott Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%*$50k*-Money Market Account
OTHER TIERS: 1.80% → $0 - $2.5k | 1.95% → $2.5k - $25k | 2.00% → $25k - $50k
2.05%*$50k*-Business Money Market Account
OTHER TIERS: 1.80% → $0 - $2.5k | 1.95% → $2.5k - $25k | 2.00% → $25k - $50k

Scott Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$0$25kExtreme Checking

Scott Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.95%*$100k*-6 Month CD
OTHER TIERS: 3.75% → $2.5k - $50k | 3.90% → $50k - $100k
3.80%*$100k*-1 Year CD
OTHER TIERS: 3.60% → $1k - $50k | 3.75% → $50k - $100k
3.70%*$100k*-18 Month CD
OTHER TIERS: 3.50% → $1k - $50k | 3.65% → $50k - $100k
3.45%*$100k*-2 Year CD
OTHER TIERS: 3.25% → $1k - $50k | 3.40% → $50k - $100k
3.45%*$100k*-5 Year CD
OTHER TIERS: 3.25% → $1k - $50k | 3.40% → $50k - $100k
3.35%*$100k*-4 Year CD
OTHER TIERS: 3.15% → $1k - $50k | 3.30% → $50k - $100k
3.25%*$100k*-3 Year CD
OTHER TIERS: 3.05% → $1k - $50k | 3.20% → $50k - $100k
3.15%*$100k*-30 Month CD
OTHER TIERS: 2.95% → $1k - $50k | 3.10% → $50k - $100k

Scott Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.90%*$50k*$100k1 Year IRA
OTHER TIERS: 3.75% → $500 - $50k | 3.80% → $100k+
3.70%*$100k*-18 Month IRA
OTHER TIERS: 3.50% → $500 - $50k | 3.65% → $50k - $100k
3.45%*$100k*-2 Year IRA
OTHER TIERS: 3.25% → $500 - $50k | 3.40% → $50k - $100k
3.45%*$100k*-5 Year IRA
OTHER TIERS: 3.25% → $500 - $50k | 3.40% → $50k - $100k
3.35%*$100k*-4 Year IRA
OTHER TIERS: 3.15% → $500 - $50k | 3.30% → $50k - $100k
3.25%*$100k*-3 Year IRA
OTHER TIERS: 3.05% → $500 - $50k | 3.20% → $50k - $100k
3.15%*$100k*-30 Month IRA
OTHER TIERS: 2.95% → $500 - $50k | 3.10% → $50k - $100k
0.75%*$50k*-IRA Share
OTHER TIERS: 0.35% → $100 - $10k | 0.45% → $10k - $25k | 0.60% → $25k - $50k
Locations

Availability

St. Louis Area

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