Scott Credit Union is headquartered in Edwardsville and is the 9th largest credit union in the state of Illinois. It is also the 276th largest credit union in the nation. It was established in 1943 and as of March of 2025, it had grown to 331 employees and 138,801 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
If They Are Closed And You Need Something: Good Luck
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.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66370 |
| Year Chartered | 1943 |
| Employees | 331 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.12% |
| Return on Equity - YTD | 1.32% |
| Annual Interest Income | $23.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.78B$1.81B |
| Loans | Q1 2025vs Q1 2024 | $1.11B$1.22B |
| Deposits | Q1 2025vs Q1 2024 | $1.6B$1.61B |
| Equity Capital | Q1 2025vs Q1 2024 | $155.2MM$146.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $20.1MM$14.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $13.1MM$13.4MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $243K$136K |
