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Scott Credit Union

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Scott Credit Union Rates & Review November 2026

Q: What are the current interest rates at Scott Credit Union?

Current rates for Scott Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.35%, 24-Month CD: 3.35%, 60-Month CD: 3.45%, Savings: 0.45%, MMA: 2.05%

Q: What is the highest CD rate at Scott Credit Union?

The highest Scott Credit Union CD rate is its 5 Year CD at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.

Q: What CD terms does Scott Credit Union offer?

Scott Credit Union CD rates are 3.85% APY for a 12 month CD, 3.80% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Scott Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Scott Credit Union's 5 Year CD rates are at 3.90%, 1 Year CD rates are at 3.85%, 4 Year CD rates are at 3.85%, 18 Month CD rates are at 3.80%, 2 Year CD rates are at 3.80%. Scott Credit Union's savings rates are at 0.45%. Scott Credit Union's money market rates are at 2.05%. Scott Credit Union's checking rates are as high as 0.55%. Scott Credit Union's Personal Loan Rates are as low as 11.75%. Scott Credit Union's Credit Card Rates are at 11.90%. Scott Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Scott Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.36%. Rates last updated and verified on 10/29/2026.

Scott 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 Credit Union? Share your experience about Scott Credit Union by leaving a review below, or read customer reviews before you decide to use Scott Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.36%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Scott Credit Union
Home Office

101 Credit Union Way
Edwardsville, IL 62025

https://www.scu.org

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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 Credit Union CD Rates

Product	Rate	APY	Term
5 Year Share Certificate	-	3.90%	5 Years
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65% Oct 29, 20263.90%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
1 Year Share Certificate	-	3.85%	1 Year
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 29, 20263.85%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
4 Year Share Certificate	-	3.85%	4 Years
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60% Oct 29, 20263.85%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
5 Year Share Certificate	-	3.85%	5 Years
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 29, 20263.85%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
1 Year Share Certificate	-	3.80%	1 Year
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 29, 20263.80%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
18 Month Share Certificate	-	3.80%	18 Months
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 29, 20263.80%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
2 Year Share Certificate	-	3.80%	2 Years
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 29, 20263.80%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
3 Year Share Certificate	-	3.80%	3 years
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 29, 20263.80%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
30 Month Share Certificate	-	3.80%	30 Months
Min Deposit $100,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 29, 20263.80%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
4 Year Share Certificate	-	3.80%	4 Years
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 29, 20263.80%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
6 Month Share Certificate	-	3.80%	6 Months
Min Deposit $100,000 Details Dividends Compounded: Monthly; Balance Method: Daily; Dividends Paid: Monthly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.80% ▲ 0.25 pts · high 3.80% / low 3.55% Oct 29, 20263.80%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
18 Month Share Certificate	-	3.75%	18 Months
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
2 Year Share Certificate	-	3.75%	2 Years
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
3 Year Share Certificate	-	3.75%	3 Years
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
30 Month Share Certificate	-	3.75%	30 Months
Min Deposit $50,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
6 Month Share Certificate	-	3.75%	6 Months
Min Deposit $50,000 Details Dividends Compounded: Monthly; Balance Method: Daily; Dividends Paid: Monthly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 29, 20263.75%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
5 Year Share Certificate	-	3.70%	5 Years
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.65% → 3.70% ▲ 0.05 pts · high 3.70% / low 3.65% Oct 29, 20263.70%▲ from 3.65% Oct 13, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
1 Year Share Certificate	-	3.65%	1 Year
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 29, 20263.65%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
4 Year Share Certificate	-	3.65%	4 Years
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60% Oct 29, 20263.65%▲ from 3.60% Oct 13, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
5 Year Share Certificate	-	3.65%	5 years
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
1 Year Share Certificate	-	3.60%	1 year
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
18 Month Share Certificate	-	3.60%	18 Months
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 29, 20263.60%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
2 Year Share Certificate	-	3.60%	2 Years
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 29, 20263.60%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
3 Year Share Certificate	-	3.60%	3 Years
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 29, 20263.60%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
30 Month Share Certificate	-	3.60%	30 Months
Min Deposit $1,000 Details Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 29, 20263.60%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
4 Year Share Certificate	-	3.60%	4 years
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
5 Year Share Certificate	-	3.60%	5 years
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
6 Month Share Certificate	-	3.60%	6 Months
Min Deposit $1,000 Details Dividends Compounded: Monthly; Balance Method: Daily; Dividends Paid: Monthly; Rates effective as of October 27, 2026 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 29, 20263.60%▲ from 3.55% Oct 13, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
1 Year Share Certificate	-	3.55%	1 year
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
18 Month Share Certificate	-	3.55%	18 Months
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
2 Year Share Certificate	-	3.55%	2 years
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
3 Year Share Certificate	-	3.55%	3 years
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
30 Month Share Certificate	-	3.55%	30 Months
Min Deposit $100,000 Details Balance: $100,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
4 Year Share Certificate	-	3.55%	4 years
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
18 Month Share Certificate	-	3.50%	18 Months
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
2 Year Share Certificate	-	3.50%	2 years
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
3 Year Share Certificate	-	3.50%	3 years
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
30 Month Share Certificate	-	3.50%	30 Months
Min Deposit $50,000 Details Balance: $50,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
5 Year Share Certificate	-	3.45%	5 years
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
1 Year Share Certificate	-	3.40%	1 year
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
4 Year Share Certificate	-	3.40%	4 years
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
18 Month Share Certificate	-	3.35%	18 Months
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
2 Year Share Certificate	-	3.35%	2 years
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
3 Year Share Certificate	-	3.35%	3 years
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
30 Month Share Certificate	-	3.35%	30 Months
Min Deposit $1,000 Details Balance: $1,000 minimum; Dividends Compounded: Quarterly; Balance Method: Daily; Dividends Paid: Quarterly Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union Savings Rates

Product	Rate	APY
Youth Share Savings (Kidz Club and Teen Share)	0.449%	0.45%
Min Balance $1,000 Details Minor Share accounts earn the same APY as regular shares on balances over $1,000; Dividends paid on balances of $100 or more; Rates effective as of February 1, 2023 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Holiday Club	0.349%	0.35%
Min Balance $100 Details Dividends paid on balances of $100 or more; Rates effective as of February 1, 2023 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Share Savings	0.349%	0.35%
Min Balance $100 Details Dividends paid on balances of $100 or more; Rates effective as of February 1, 2023 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.03%	2.05%
Min Balance $50,000 Details Balance: $50,000.00 and more Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Money Market Account	1.98%	2.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Money Market Account	1.93%	1.95%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Money Market Account	1.93%	1.95%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Money Market Account	1.79%	1.80%
Details Balance: Up to $2,499.99 Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 1.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union Checking Rates

Product	Rate	APY	View More
eXtreme Checking	-	0.55%
Details Qualifying balance up to $25,000.00; rate applies when requirements are met Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.74%	60 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	4.94%	60 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	4.99%	72 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	5.94%	72 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 5.94% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	6.74%	84 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	7.49%	60 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	7.99%	84 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $25,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	8.99%	72 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Auto Loan	-	-	9.49%	60 Months
Details As Low As; Model Years: 2016 & Older; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	7.99%	48 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	8.24%	60 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 60 Months Loan	-	8.45%	60 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	8.49%	48 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	8.74%	60 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 84 Months Loan	-	8.95%	84 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 8.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	9.24%	72 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 60 Months Loan	-	9.45%	60 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 120 Months Loan	-	9.70%	120 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	9.74%	72 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 60 Months Loan	-	9.95%	60 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 84 Months Loan	-	9.95%	84 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	9.99%	48 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	10.24%	60 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 180 Months Loan	-	10.45%	180 Months
Details As Low As; Model Years: 2027-2025; Minimum Loan Amount: $35,000; A 20% equity position is required for terms greater than 120 months Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 60 Months Loan	-	10.45%	60 Months
Details As Low As; Model Years: 2016 & Older; Minimum Loan Amount: $5,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 84 Months Loan	-	10.45%	84 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 120 Months Loan	-	10.70%	120 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 84 Months Loan	-	10.95%	84 Months
Details As Low As; Model Years: 2016 & Older; Minimum Loan Amount: $10,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Motorcycle Loan	-	10.99%	48 Months
Details As Low As; Model Years: 2016 & Older; Minimum Loan Amount: $500 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 120 Months Loan	-	11.20%	120 Months
Details As Low As; Model Years: 2020-2017; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.20% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 180 Months Loan	-	11.45%	180 Months
Details As Low As; Model Years: 2024-2021; Minimum Loan Amount: $35,000; A 20% equity position is required for terms greater than 120 months Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.45% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Boats, Campers, & RVs - 120 Months Loan	-	11.70%	120 Months
Details As Low As; Model Years: 2016 & Older; Minimum Loan Amount: $15,000 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.70% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union Credit Card Rates

Product	Rate	APR
Credit Builder Program Credit Card	-	11.90%
Details Intro/promo APR: 1.99%; Intro rate expires: 6 billing cycles; Regular APR: 11.90% - 17.90%; Balance Transfer: 0% APR for first 6 billing cycles; Credit Limit: $500; Earn Rewards: Yes; Annual Fee: No; Grace Period: 25 days Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
eXtreme Visa (includes Blues card)	-	11.90%
Details Intro/promo APR: 1.99%; Intro rate expires: 6 billing cycles; Regular APR: 11.90% - 17.90%; Balance Transfer: 0% APR for first 6 billing cycles; Credit Limit: $500 to $50,000; Earn Rewards: Yes; Annual Fee: No; Grace Period: 25 days Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

Scott Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	11.75%	36 Months
Details As Low As; Terms for Signature Loans are based on the amount of the loan; Rates effective as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Signature Loans	12.25%	60 Months
Details As Low As; Terms for Signature Loans are based on the amount of the loan; Rates effective as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 12.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%
Signature Loans	12.25%	48 Months
Details As Low As; Terms for Signature Loans are based on the amount of the loan; Rates effective as of October 1, 2026 Last Updated 10/29/2026 Rate History No change since Oct 22, 2026 · 12.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.36%

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 Credit Union’s Texas Ratio fell from 8.43% in Q3 2023 to 3.36% in Q2 2026, so its financial health has improved and is now very strong 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	$1.9B	3.36%	5.0	A+
March 31, 2026	$1.8B	4.50%	5.0	A+
December 31, 2025	$1.8B	6.26%	5.0	A
September 30, 2025	$1.8B	5.49%	5.0	A+
June 30, 2025	$1.8B	5.59%	5.0	A+
March 31, 2025	$1.8B	6.99%	5.0	A
December 31, 2024	$1.7B	7.61%	5.0	A
September 30, 2024	$1.7B	6.96%	5.0	A
June 30, 2024	$1.8B	6.91%	5.0	A
March 31, 2024	$1.8B	7.52%	5.0	A
December 31, 2023	$1.7B	8.74%	5.0	A
September 30, 2023	$1.8B	8.43%	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 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 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 Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Scott Credit Union

Website https://www.scu.org

Address 101 Credit Union Way, Edwardsville, IL 62025

Phone 618-345-1000

Fax 618-659-8578

President Lawrence Haffner

CEO Frank Padak

Full-Time Employees 336

Part-Time Employees 1

Branch Locations 23

ATM Locations 23

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.36%

Return on Assets (ROA)

0.5680%

Return on Equity (ROE)

5.6028%

Non-Performing Loans Ratio (NPL)

0.54%

Total Assets

1,852,143,638

Total Amount of Shares and Deposits

1,636,585,015

Total Shares and Deposits < 1 Year

1,564,112,515

Total Shares and Deposits 1 3 Years

57,586,238

Total Shares and Deposits > 3 Years

14,886,262

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

111,669,658

Total Uninsured Shares and Deposits > $250K (F+J)

111,669,658

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

1,524,915,357

Total Interest Expense (Sum of items 6 8)

13,802,967

Share Certificates

10,313

Number of Accounts for Share Drafts

74,836

IRA KEOGH Accounts

3,587

Number of Accounts for Regular Shares

153,817

All other shares

370

Money Market Shares

4,193

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

10,520,905

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)

237,239,228

Total Liabilities

1,672,884,205

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Scott Credit Union earned the Verified Healthy badge

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

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Scott Credit Union

Does Scott Credit Union offer CDs?

Yes. Scott Credit Union current CD rates include its 5 Year CD at 3.90% APY, its 1 Year CD at 3.85% APY and its 4 Year CD at 3.85% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Scott Credit Union NCUA insured?

Yes. Scott Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Scott Credit Union?

The highest Scott Credit Union CD rate is its 5 Year CD at 3.90% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Scott Credit Union offer?

Scott Credit Union CD rates are 3.85% APY for a 12 month CD, 3.80% APY for an 18 month CD, 3.80% APY for a 2 year CD, 3.85% APY for a 4 year CD and 3.90% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Scott Credit Union for its full lineup.

What is the highest savings rate at Scott Credit Union?

The highest Scott Credit Union savings rate is its Youth Savings (Kidz Club and Teen Share) at 0.45% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Scott Credit Union?

The highest Scott Credit Union money market rate is its Money Market Account at 2.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Scott Credit Union?

The highest Scott Credit Union checking rate is its eXtreme Checking at 0.55% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Scott Credit Union?

The lowest Scott Credit Union auto loan rate is its Auto Loan at 4.74% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Scott Credit Union?

The lowest Scott Credit Union personal loan rate is its Signature Loans at 11.75% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at Scott Credit Union?

The lowest Scott Credit Union credit card APR is its Credit Builder Program Credit Card at 11.90% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Scott Credit Union operate?

Scott 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 Credit Union?

Yes, to access services at Scott 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 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 Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Scott Credit Union offer online and mobile banking?

Most modern institutions like Scott 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.scu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Scott Credit Union rates compare?

Scott Credit Union's CD rates are 33% higher than the MonitorBankRates national average, and it has an A+ health rating. Scott Credit Union's top rates are its 5 Year CD at 3.90% APY, its Youth Savings (Kidz Club and Teen Share) at 0.45% APY, its Money Market Account at 2.05% APY, its eXtreme Checking at 0.55% APY, its Signature Loans at 11.75% APR and its Credit Builder Program Credit Card at 11.90% APR, verified by MonitorBankRates on October 29, 2026.

Current Scott Credit Union Rates

12-Month CD3.40%
18-Month CD3.35%
24-Month CD3.35%
60-Month CD3.45%
Savings0.45%
MMA2.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Scott Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Scott Credit Union Texas Ratio

Scott Credit Union Health Trend

Scott Credit Union CD Rates

Scott Credit Union Savings Rates

Scott Credit Union Money Market Rates

Scott Credit Union Checking Rates

Scott Credit Union Auto Loan Rates

Scott Credit Union RV, Boat and Powersport Loan Rates

Scott Credit Union Credit Card Rates

Scott Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Scott Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Scott Credit Union

Does Scott Credit Union offer CDs?

Are CDs from Scott Credit Union NCUA insured?

What is the highest CD rate at Scott Credit Union?

What CD terms does Scott Credit Union offer?

What is the highest savings rate at Scott Credit Union?

What is the highest money market rate at Scott Credit Union?

What is the highest checking rate at Scott Credit Union?

What is the lowest auto loan rate at Scott Credit Union?

What is the lowest personal loan rate at Scott Credit Union?

What is the lowest credit card APR at Scott Credit Union?

How many branches does Scott Credit Union operate?

Is a member application needed to join Scott Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Scott Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Scott Credit Union rates compare?

Current Scott Credit Union Rates

Compare to Other Credit Unions