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iAdvertiser Disclosure
Advertiser Disclosure
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 Scott Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Scott Credit Union's savings rates are at 0.35%. 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 6.09%. Rates were last updated on 03/28/2026. 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. 
Scott Credit Union Savings Rates
Methodology & Data SourcesMonitorBankRates 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
342
Part-Time Employees
3
Branch Locations
23
ATM Locations
25
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.09%
Return on Assets (ROA)
0.5727%
Return on Equity (ROE)
5.7476%
Non-Performing Loans Ratio (NPL)
0.93%
Total Assets
1,773,500,732
Total Amount of Shares and Deposits
1,574,897,626
Total Shares and Deposits < 1 Year
1,523,550,647
Total Shares and Deposits 1 3 Years
35,699,293
Total Shares and Deposits > 3 Years
15,647,686
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
95,345,095
Total Uninsured Shares and Deposits > $250K (F+J)
95,345,095
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,479,552,531
Total Interest Expense (Sum of items 6 8)
21,838,913
Share Certificates
10,480
Number of Accounts for Share Drafts
75,283
IRA KEOGH Accounts
3,736
Number of Accounts for Regular Shares
157,457
All other shares
382
Money Market Shares
3,866
Net Income (unless the amount is already included in Undivided Earnings)
10,156,864
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
337,627,425
Total Liabilities
1,605,461,444
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Scott Credit UnionIs Scott Credit Union a safe place to deposit money?Yes, Scott Credit Union is considered a safe financial institution. With a Texas Ratio of 6.0853064561866%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current Scott Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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