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Scott and White Employees Credit Union

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Scott and White Employees Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Scott and White Employees 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: August 29, 2026

Scott and White Employees Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Scott and White Employees Credit Union, and you can see how they compare in the Scott and White Employees Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Scott and White Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.79%. Database rates last updated and verified on 08/29/2026.

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

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.79%

Excellent Lower than avg

Scott and White Employees Credit Union
Scott and White Empolyees Credit Union

2401 S 31st St
Temple, TX 76508 0001

https://www.swecu.org

Scott and White Employees Credit Union Credit Card Rates

Product	Rate	APR
MasterCard Credit	-	2.99%
Details Prime +1.00%* Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%
Secured Mastercard Credit Card	-	18.00%
Details Secured by 120% of Share Account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.79%

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.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Scott and White Employees 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 and White Employees 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 and White Employees Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Scott and White Employees Credit Union

Website https://www.swecu.org

Address 2401 S 31st St, Temple, TX 76508 0001

Phone 254-778-3199

Fax 254-778-0285

President Roy Wohleb

CEO Celeste Kaylor

Full-Time Employees 10

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.79%

Return on Assets (ROA)

1.8262%

Return on Equity (ROE)

10.8391%

Non-Performing Loans Ratio (NPL)

0.92%

Total Assets

70,765,825

Total Amount of Shares and Deposits

58,073,671

Total Shares and Deposits < 1 Year

57,720,239

Total Shares and Deposits 1 3 Years

353,431

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

623,954

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

623,954

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

57,449,717

Total Interest Expense (Sum of items 6 8)

303,061

Share Certificates

168

Number of Accounts for Share Drafts

2,618

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,663

All other shares

262

Money Market Shares

114

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

426,889

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)

4,974,633

Total Liabilities

59,372,894

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Scott and White Employees Credit Union earned the Verified Strong badge

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Frequently Asked Questions About Scott and White Employees Credit Union

How many branches does Scott and White Employees Credit Union operate?

Scott and White Employees 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 and White Employees Credit Union?

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

Does Scott and White Employees Credit Union offer online and mobile banking?

Most modern institutions like Scott and White Employees 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.swecu.org.