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Scott Credit Union

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Scott Credit Union Rates & Review April 2026

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 22, 2026

You can compare Scott Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.15%, 6-month share certificate rates at 0.15% and 3-month share certificate rates at 0.40%. Savings rates are at 0.80% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.31%. All these rates can be compared to Scott Credit Union rates. 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 04/22/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.09%

Excellent Lower than avg

Scott Credit Union
Home Office

101 Credit Union Way
Edwardsville, IL 62025

https://www.scu.org

Current Rate Availability

We do not have Scott Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

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 342

Part-Time Employees 3

Branch Locations 23

ATM Locations 25

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

6.09%

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

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Scott Credit Union

Is 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.