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Scott Credit Union

Popular Accounts at this Credit Union

1.85%3-year CD30 Month CD
1.85%3-year IRA30 Month IRA (Traditional, Roth, CESA)
0.80%Reward CheckingExtreme Checking

Overview / Commentary
101 Credit Union Way
Edwardsville, IL 62025

Scott Credit Union is headquartered in Edwardsville and is the 7th largest credit union in the state of Illinois. It is also the 262nd largest credit union in the nation. It was established in 1943 and as of March of 2018, it had grown to 254 employees and 141,070 members at 15 locations. Scott Credit Union's money market rates are 93% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Scott Credit Union is open to anyone (including immediate family) who live or work in Bond, Clinton, Effingham, Fayette, Franklin, Jackson, Jefferson, Macoupin, Madison, Marion, Monroe, Montgomery, Perry, Randolph, St. Clair, Washington, or Williamson Counties in Illinois or in St. Louis County in Missouri. 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 the credit union's website).
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Reviews (3)

Credit Union you can count on

Posted by: AnthonyA | May 20, 2014

The customer service for the Credit Union goes beyond what you would normally find in today's competition. The drive through service is easy access and well maintained as well. They offer a friendly atmosphere for all your banking needs.

SCU does great by me

I've been a customer of Scott Credit Union since I moved to the metro east area in 1990. In that time they've financed 5 cars and a house for me and I've always been happy with their service.

Bank Is Okay Credit Cards Not So Much

Posted by: deekay | Mar 29, 2013

Being a member of this bank for over 10 years and enjoyed their services until the several updates to the online banking.

 Since their constant upgrades/downtime on weekends, it makes it nearly impossible to do any onlqine banking on the weekends.  With that said, trying to find out your credit card balance is a game of "Chutes and Ladders."  To ensure a payment is recieved you have to either pay over the phone or transfer from SCU website.  Problem is if you transfer, good luck on knowing what your balance/payment is supposed to be.  To find that out you have to go to the credit card site.  

To top it off, they are always placing you on hold or sending you through some automated messaging system.

If you are using them for checking and savings, with out online banking non the weekends,  they are okay but I woukdn't count on anything more then that


Health Grade Components

NCUA #66370
Year Chartered1943
Primary Regulator
Profit Margin
Return on Assets - YTD1.43%
Return on Equity - YTD14.62%
Annual Interest Income$10.6MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.15B$1.12B
LoansQ1 2018vs Q1 2017$960.9MM$856.1MM
DepositsQ1 2018vs Q1 2017$1.02B$1.01B
Equity CapitalQ1 2018vs Q1 2017$110.4MM$100.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$10.8MM$11.4MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$6.4MM$5.9MM
Real Estate OwnedQ1 2018vs Q1 2017$0$0
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* 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

0.50%*-$1kKidz Club
OTHER TIERS: 0.25% $1k+
0.50%*-$1kTeen Share
OTHER TIERS: 0.25% $1k+
0.25%--Share Savings
0.25%--IRA Share
0.25%--Holiday Club

Scott Credit Union Money Market Rates

0.85%*$50k*-Money Market Account
OTHER TIERS: 0.75% $2,500 - $25k | 0.80% $25k - $50k

Scott Credit Union Checking Account Rates

0.80%*-$25kExtreme Checking
OTHER TIERS: 0.05% $25k+
0.80%*-$25kStudent Debit
OTHER TIERS: 0.05% $25k+

Scott Credit Union CD Rates

2.80%*$100k*-5 Year CD
OTHER TIERS: 2.60% $1k - $50k | 2.75% $50k - $100k
2.50%*$100k*-4 Year CD
OTHER TIERS: 2.30% $1k - $50k | 2.45% $50k - $100k
2.10%*$100k*-3 Year CD
OTHER TIERS: 1.90% $1k - $50k | 2.05% $50k - $100k
2.02%$1k-13 Month CD Special
1.85%*$100k*-30 Month CD
OTHER TIERS: 1.65% $1k - $50k | 1.80% $50k - $100k
1.80%*$100k*-2 Year CD
OTHER TIERS: 1.60% $1k - $50k | 1.75% $50k - $100k
1.65%*$100k*-18 Month CD
OTHER TIERS: 1.45% $1k - $50k | 1.60% $50k - $100k
1.55%*$100k*-1 Year CD
OTHER TIERS: 1.35% $1k - $50k | 1.50% $50k - $100k
1.25%*$100k*-6 Month CD
OTHER TIERS: 1.05% $2,500 - $50k | 1.20% $50k - $100k

Scott Credit Union IRA Rates

2.80%*$100k*-5 Year IRA
OTHER TIERS: 2.60% $500 - $50k | 2.75% $50k - $100k
2.50%*$100k*-4 Year IRA
OTHER TIERS: 2.30% $500 - $50k | 2.45% $50k - $100k
2.10%*$100k*-3 Year IRA
OTHER TIERS: 1.90% $500 - $50k | 2.05% $50k - $100k
1.85%*$100k*-30 Month IRA
OTHER TIERS: 1.55% $500 - $50k | 1.80% $50k - $100k
1.80%*$100k*-2 Year IRA
OTHER TIERS: 1.60% $500 - $50k | 1.75% $50k - $100k
1.65%*$100k*-18 Month IRA
OTHER TIERS: 1.45% $500 - $50k | 1.60% $50k - $100k
1.55%*$100k*-1 Year IRA
OTHER TIERS: 1.35% $500 - $50k | 1.50% $50k - $100k


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