What are the current interest rates at Scott Associates Credit Union?

Current rates for Scott Associates Credit Union include: 12-Month CD: 4.23%, 18-Month CD: 4.33%, 24-Month CD: 4.59%, 60-Month CD: 5.06%

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Scott Associates Credit Union

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Scott Associates Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Scott Associates Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Scott Associates Credit Union's top rates as of October 9, 2026 are 5.06% APY on its 60 Month CDs CD, and personal loans from 8.50% APR, according to rates verified by MonitorBankRates. Other Scott Associates Credit Union CD rates include IRA CD - 60 Month at 5.06%, IRA CD - 48 Month at 4.97%, and 36 Month CDs at 4.86%. MonitorBankRates evaluates the financial stability of Scott Associates Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.90%. Rates last updated and verified on 10/09/2026.

Scott Associates Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Scott Associates Credit Union? Share your experience about Scott Associates Credit Union by leaving a review below, or read customer reviews before you decide to use Scott Associates Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Scott Associates Credit Union
Scott Associates Credit Union

14111 Scottslawn Rd
Marysville, OH 43040

https://www.mysacu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Scott Associates Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificates	4.95%	5.064%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 4.18% → 5.06% ▲ 0.89 pts · high 5.06% / low 4.18% Oct 9, 20265.06%▲ from 4.18% Sep 22, 20264.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 60 Month	4.95%	5.064%	60 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.18% → 5.06% ▲ 0.89 pts · high 5.06% / low 4.18% Oct 9, 20265.06%▲ from 4.18% Sep 14, 20264.18%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 48 Month	4.80%	4.97%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.97% → 4.97% ▲ 1.00 pts · high 4.97% / low 3.97% Oct 9, 20264.97%▲ from 3.97% Sep 14, 20263.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
36 Month Share Certificates	4.75%	4.855%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82% Oct 9, 20264.86%▲ from 3.82% Sep 22, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
48 Month Share Certificates	4.80%	4.855%	48 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.97% → 4.86% ▲ 0.89 pts · high 4.86% / low 3.97% Oct 9, 20264.86%▲ from 3.97% Sep 22, 20263.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 36 Month	4.75%	4.855%	36 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.82% → 4.86% ▲ 1.04 pts · high 4.86% / low 3.82% Oct 9, 20264.86%▲ from 3.82% Sep 14, 20263.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
24 Month Share Certificates	4.50%	4.594%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71% Oct 9, 20264.59%▲ from 3.71% Sep 22, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 24 Month	4.50%	4.594%	24 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.71% → 4.59% ▲ 0.88 pts · high 4.59% / low 3.71% Oct 9, 20264.59%▲ from 3.71% Sep 14, 20263.71%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
18 Month Share Certificates	4.25%	4.334%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.66% → 4.33% ▲ 0.67 pts · high 4.33% / low 3.66% Oct 9, 20264.33%▲ from 3.66% Sep 22, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 18 Month	4.25%	4.334%	18 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.66% → 4.33% ▲ 0.67 pts · high 4.33% / low 3.66% Oct 9, 20264.33%▲ from 3.66% Sep 14, 20263.66%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
12 Month Share Certificates	4.15%	4.23%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56% Oct 9, 20264.23%▲ from 3.56% Sep 22, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 12 Month	4.15%	4.23%	12 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.23% ▲ 0.67 pts · high 4.23% / low 3.56% Oct 9, 20264.23%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
06 Month Share Certificates	3.50%	3.557%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 22, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 9, 20263.56%▲ from 3.35% Sep 22, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
IRA Certificate - 06 Month	3.50%	3.557%	6 Month
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.56% ▲ 0.21 pts · high 3.56% / low 3.35% Oct 9, 20263.56%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Scott Associates Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Autos	-	-	5.25%
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 5.25% ▲ 1.00 pts · high 5.25% / low 4.25% Oct 9, 20265.25%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Used Autos	-	-	6.00%
Details As low as Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.00% → 6.00% ▲ 1.00 pts · high 6.00% / low 5.00% Oct 9, 20266.00%▲ from 5.00% Sep 14, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Scott Associates Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	8.50%
Details As low as Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Scott Associates Credit Union Other Rates

Product	Rate	Points	APY/APR
Christmas Shares	1.00%	-	1.005%
Min Balance $100 Details Maximum balance $100.00. Early withdrawal penalty of 10% of funds withdrawn with a maximum penalty of $15.00. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Regular Shares / All other Reg Shares	0.05%	-	0.05%
Min Balance $100 Details Balance: $100 - $1,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Regular Shares / All other Reg Shares	0.05%	-	0.05%
Min Balance $2,000 Details Balance: $2,000 - $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Regular Shares / All other Reg Shares	0.10%	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $29,999.99 Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Regular Shares / All other Reg Shares	0.10%	-	0.10%
Min Balance $30,000 Details Balance: $30,000 Or More Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Share Draft Accounts	-	-	0.05%
Min Balance $1,000 Details Average Daily Balance of $1,000. or more. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Scott Associates Credit Union’s Texas Ratio rose from 2.51% in Q3 2023 to 6.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$15M	6.90%	5.0	A
March 31, 2026	$16M	1.96%	5.0	A+
December 31, 2025	$16M	4.88%	5.0	A+
September 30, 2025	$14M	5.22%	5.0	A+
June 30, 2025	$14M	1.94%	5.0	A+
March 31, 2025	$14M	1.96%	5.0	A+
December 31, 2024	$14M	1.94%	5.0	A+
September 30, 2024	$14M	4.10%	5.0	A+
June 30, 2024	$15M	2.15%	5.0	A+
March 31, 2024	$14M	2.29%	5.0	A+
December 31, 2023	$14M	3.44%	5.0	A+
September 30, 2023	$14M	2.51%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Scott Associates Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Scott Associates Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Scott Associates Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Scott Associates Credit Union

Website https://www.mysacu.com

Address 14111 Scottslawn Rd, Marysville, OH 43040

Phone 937-644-7385

Fax 937-645-2749

President Diane Pekunka

CEO Nicole Jasinski

Full-Time Employees 5

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.90%

Return on Assets (ROA)

0.0499%

Return on Equity (ROE)

0.4315%

Non-Performing Loans Ratio (NPL)

1.18%

Total Assets

15,074,626

Total Amount of Shares and Deposits

13,302,074

Total Shares and Deposits < 1 Year

11,029,762

Total Shares and Deposits 1 3 Years

2,172,252

Total Shares and Deposits > 3 Years

100,060

Total Insured Shares and Deposits > $250K (item 17 less item K)

13,302,074

Total Interest Expense (Sum of items 6 8)

118,565

Share Certificates

243

Number of Accounts for Share Drafts

803

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,600

Net Income (unless the amount is already included in Undivided Earnings)

7,527

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

575,109

Total Liabilities

13,331,058

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Scott Associates Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Scott Associates Credit Union

How many branches does Scott Associates Credit Union operate?

Scott Associates Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Scott Associates Credit Union?

Yes, to access services at Scott Associates Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Scott Associates Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Scott Associates Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Scott Associates Credit Union offer online and mobile banking?

Most modern institutions like Scott Associates Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mysacu.com.