Scott Credit Union Unveils EPIC Checking


Deal Summary: EPIC Checking, 4.05% APY (Upper Tier) and 3.05% APY (Middle Tier), up to $25k.

Availability: Residents of 25 Illinois and two Missouri counties.

Illinois-based Scott Credit Union (SCU) recently introduced its EPIC Checking, a rewards checking account that offers tiered APYs. Qualifying balances up to $25k can earn either 4.05% APY (Upper Tier) or 3.05% APY (Middle Tier). Qualifying balances over $25k and non-qualifying balances both earn 0.25% APY.

There are only two qualifying requirements: receiving monthly statements electronically, and debit card usage, which also determines which APY applies to qualifying balances.

  • 4.05% APY applies to monthly debit card transactions of at least $1,500
  • 3.05% APY applies to monthly debit card transactions between $750 and $1,499

The EPIC Checking account has no monthly service fee, no minimum balance to earn rewards, and no minimum opening deposit. If qualifications are met, nationwide ATM fees up to a total of $10 will be reimbursed per statement cycle.

For every purchase you make with your EPIC Checking debit card, we will
donate a percentage to the Scott Credit Union Community Foundation.

Blues Checking

The only difference between the Blues Checking and EPIC Checking accounts is that a St. Louis Blues debit card and checks are offered exclusively with a Blues Checking account. You can also save 10% on Blues merchandise when using the Blues debit card at the STL Authentics Team Store at the Enterprise Center.


Headquartered in Edwardsville, Illinois, Scott Credit Union’s field of membership (FOM) is primarily residency based, with US citizens and permanent resident aliens 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, or Williamson, eligible to join. Individuals who live or work in the Missouri counties of St. Charles or St. Louis, or in the city of St. Louis also qualify for membership.

Active or retired military of Scott AFB, including reserve components, civilian employees, or retired civilian employees are also eligible to join, as are employees of four other companies listed on the Membership and Eligibility page.

Immediate family members (by blood, marriage or foster/adopted children) of an existing SCU member are welcome to apply, as are those who have immediate family members who live or work in any of the above-mentioned Illinois or Missouri counties.

Joining SCU and/or opening an EPIC Checking account can be done online, or at any of 14 Illinois branches located in Belleville (2), Collinsville, Columbia, Edwardsville (2), Fairview Heights, Highland, Mascoutah, O’Fallon, Scott Air Force Base, Troy, Waterloo, and Wood River, or at either of the Missouri branches, both located in St. Louis.

Everyone in the credit union is required to open a Savings Share with a minimum $5 deposit.

SCU recently joined the CO-OP Shared Branch network, which allows members to perform their banking transactions at more than 5,000 locations across the country. CO-OP network access for SCU members includes the branch network only and not the ATM network.

Credit Union Overview

Scott Credit Union has an overall health grade of "A" at, with a Texas Ratio of 6.44% (excellent), based on September 30, 2019 data. In the past year, SCU has increased its total non-brokered deposits by $36.47 million, an excellent annual growth rate of 3.62%. Please refer to our financial overview of Scott Credit Union (NCUA Charter # 66370) for more details.

Established in May 1943, Scott Credit Union’s founding members were a group of Scott Field employees “who decided to create a local credit union where the average person could save and borrow money.” (Founded in 1917, Scott Field originally provided aviation training for World War I pilots and was re-designated as Scott Air Force Base in 1948.) Scott Credit Union is currently the seventh largest credit union headquartered in Illinois, with more than 145,000 members and assets in excess of $1.2 billion – and the official credit union of Scott AFB.

How EPIC Checking Compares

When compared to the High Yield Reward Checking Accounts tracked by, which are available within the FOM and have maximum qualifying balances of at least $25k, Scott Credit Union’s EPIC Checking Upper Tier APY currently ranks first.

The above rates are accurate as of 3/6/2020.

To look for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Chicago checking accounts, St. Louis checking accounts, reward checking accounts

Scott Credit Union's Competitive 30-Month CD Special - Limited Time Only

For a limited time, Scott Credit Union (IL) is offering a 30-month CD Special with three different tiered rate levels:

1.59% APY on balances <>

1.74% APY on balances <>

1.79% APY on balances >$100K

It can be opened with a minimum $1K deposit and there is no maximum balance cap. This 30-month CD Special is also available as an IRA (Traditional, Roth, CESA and SEP) at the same rates.

As stated on the Savings Certificate Special page, the Early Withdrawal Penalty is as follows:


Membership eligibility in...

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