Scott Credit Union Interest Rates

Get the best credit union interest rates for all your investments, loans, and credit card accounts through Scott Credit Union.

Check Certificate Rates - You have a lot to save for at Scott Credit Union
Checking Account Rates
CashBack CheckingeXtreme CheckingRegular CheckingStudent Checking
Maximum Interest Earned (when requirements are met)No Interest Earned0.55% APY1 on balances up to $25,000No Interest EarnedNo Interest Earned
Maximum Interest Earned on balances over $25,000 (when requirements are met)No Interest Earned0.05% APY1No Interest EarnedNo Interest Earned
Interest Earned (when requirements are not met)No Interest Earned0.01% APY1No Interest EarnedNo Interest Earned
Earns CashBack Bonus (when requirements are met)2
No Monthly Service Fee333
No Minimum Balance
Accessible through SCU Online and SCU Mobile
Free Online Bill Pay
eAlerts & eStatements
Free Mobile Deposit
Overdraft Protection
Compatabile with Apple, Samsung or Google Pay
Blues Card Creative (Optional)
Blues Checks (Optional)
We may change the interest rate at any time after the account is opened.

1 APY=Annual Percentage Yield
2 You may earn up to a 1% CashBack Reward on your debit card purchases each month with a maximum reward of up to $10 per month ($120 per year) when requirements are met.
3 $2 paper statement fee applies if not enrolled in eStatements
Current Personal Loan Interest Rates
Type of LoanTermAPR1
Pledge Share Loans60 Months2.00% above current Share Rate or 2.00% above current Share Certificate Rate
Signature Loans60 Monthsas low as 12.50%
Signature Loans48 Monthsas low as 12.50%
Signature Loans36 Monthsas low as 12.00%
Ready Reserve Overdraft ProtectionN/Aas low as 16.00%
1 APR = Annual Percentage Rate. Rates are subject to change and are based on the applicant’s credit history. Loan example: The monthly payment on a $5,000 loan at 12.500% for 48 months would be $132.90. Terms for Signature Loans are based on the amount of the loan. Some restrictions apply. Holiday loans may not be used to pay off any other Scott Credit Union loans.
**Rates effective as of September 12, 2023
Motorcycles & ATVs
Model YearsMinimum Loan AmountTermAPR2
2025-2023$15,00072 Monthsas low as 10.24%
2025-2023$5,00060 Monthsas low as 9.24%
2025-2023$50048 Monthsas low as 8.99%
2022-2019$15,00072 Monthsas low as 10.74%
2022-2019$5,00060 Monthsas low as 9.74%
2022-2019$50048 Monthsas low as 9.49%
2018-2015$5,00060 Monthsas low as 11.24%
2018-2015$50048 Monthsas low as 10.99%
2014 & Older$50048 Monthsas low as 11.99%
2 APR = Annual Percentage Rate. APR=Annual Percentage Rate. Rate shown is valid as of January 1, 2024. Rates are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Loan example: The monthly payment of a $5,000 loan at 8.990% APR for 60 months would be $103.77. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
Vehicle Loan Terms by Year Model
Model YearsMinimum Loan AmountTermAPR1
2025-2023$25,00084 Monthsas low as 8.49%
2025-2023$15,00072 Monthsas low as 7.24%
2025-2023$5,00060 Monthsas low as 5.99%
2022-2019$25,00084 Monthsas low as 9.99%
2022-2019$15,00072 Monthsas low as 8.74%
2022-2019$5,00060 Monthsas low as 7.49%
2018-2015$15,00072 Monthsas low as 9.99%
2018-2015$5,00060 Monthsas low as 8.49%
2014 & Older$5,00060 Monthsas low as 10.49%
1APR=Annual Percentage Rate. Rate shown is valid as of January 1, 2024. Rate of 5.99% APR is for credit qualifying members for 60 month loans for 2025-2023 vehicles. Rates are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Loan example: The monthly payment of a $10,000 loan at 5.990% APR for 60 months would be $193.28. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
Boats, Campers, & RVs
Model YearsMinimum Loan AmountTermAPR3
2025-2023$35,000180 Monthsas low as 11.45%
2025-2023$15,000120 Monthsas low as 10.70%
2025-2023$10,00084 Monthsas low as 9.95%
2025-2023$5,00060 Monthsas low as 9.45%
2022-2019$35,000180 Monthsas low as 12.45%
2022-2019$15,000120 Monthsas low as 11.70%
2022-2019$10,00084 Monthsas low as 10.95%
2022-2019$5,00060 Monthsas low as 10.45%
2018-2015$15,000120 Monthsas low as 12.20%
2018-2015$10,00084 Monthsas low as 11.45%
2018-2015$5,00060 Monthsas low as 10.95%
2014 & Older$15,000120 Monthsas low as 12.70%
2014 & Older$10,00084 Monthsas low as 11.95%
2014 & Older$5,00060 Monthsas low as 11.45%
3 APR=Annual Percentage Rate. Rate shown is valid as of January 1, 2024. Rates are subject to change and are based on the term of the loan, as well as your credit history. A 20% equity position is required for terms greater than 120 months. Loan example: The monthly payment of a $10,000 loan at 9.95% APR for 84 months would be $165.75. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.
Savings Account Interest Rates
Account TypeDividend RateAPY1
Share Savings0.349%0.350%
Youth Share Savings2 (Kidz Club and Teen Share)0.449%0.450%
Holiday Club 0.349%0.350%
Rates effective as of February 1, 2023.

1APY = Annual Percentage Yield. Dividends are paid on Share Savings, IRA Share, and Holiday Club Share accounts with balances of $100 or more.
2Minor Share accounts earn the same APY as regular shares on balances over $1,000.
Credit Card Rates
eXtreme Visa
(includes Blues card)
Credit Builder ProgramSecured Visa
Intro Rate1.99% APR1 for first 6 billing cycles1.99% APR1 for first 6 billing cyclesNo Intro Rate
Balance Transfer0% APR1 for first 6 billing cycles0% APR1 for first 6 billing cyclesNo Intro Rate
Credit Limit$500 to $50,000$500$500 to $1,000 with security deposit equal to 1.20% of credit limit
Earn RewardsYesYesYes
Annual FeeNoNoNo
Grace Period125 days25 days25 days
1APR = Annual Percentage Rate. Promotional rates for the first 6 billing cycles; after the 6th billing cycle the rate changes to as low as 11.90% APR to 17.90% APR depending on creditworthiness. A minimum monthly payment is required during the promotional period. Balance transfer fee is 2% of the balance transferred or $10, whichever is greater. Must become a member of Scott Credit Union to be a cardholder. To become a member, a $5 minimum deposit is required to open a share (savings) account. Not valid with any other offers. The promotional rate cannot be applied to balance transfers from products of Scott Credit Union. Please review account agreement for benefit details and conditions.
Money Market Account Rates
TierDividend RateAPY 1
Up to $2,499.991.79%1.80%
$2,500.00 – $9,999.991.93%1.95%
$10,000.00 – $24,999.991.93%1.95%
$25,000.00 – $49,999.991.98%2.00%
$50,000.00 and more2.03%2.05%
1APY=Annual Percentage Yield
Share Certificate Dividend Rates
Minimum DepositTermDividends CompoundedBalance MethodDividends PaidAPY1
$2,5006 MonthsMonthlyDailyMonthly4.500%
$1,0001 YearQuarterlyDailyQuarterly4.250%
$1,00018 MonthsQuarterlyDailyQuarterly4.000%
$1,0002 YearsQuarterlyDailyQuarterly3.750%
$1,00030 MonthsQuarterlyDailyQuarterly3.200%
$1,0003 YearsQuarterlyDailyQuarterly3.300%
$1,0004 YearsQuarterlyDailyQuarterly3.400%
$1,0005 YearsQuarterlyDailyQuarterly3.500%
Minimum DepositTermDividends CompoundedBalance MethodDividends PaidAPY1
$50,0006 MonthsMonthlyDailyMonthly4.500%
$50,0001 YearQuarterlyDailyQuarterly4.250%
$50,00018 MonthsQuarterlyDailyQuarterly4.000%
$50,0002 YearsQuarterlyDailyQuarterly3.750%
$50,00030 MonthsQuarterlyDailyQuarterly3.350%
$50,0003 YearsQuarterlyDailyQuarterly3.450%
$50,0004 YearsQuarterlyDailyQuarterly3.550%
$50,0005 YearsQuarterlyDailyQuarterly3.650%
Minimum DepositTermDividends CompoundedBalance MethodDividends PaidAPY1
$100,0006 MonthsMonthlyDailyMonthly4.500%
$100,0001 YearQuarterlyDailyQuarterly4.250%
$100,00018 MonthsQuarterlyDailyQuarterly4.000%
$100,0002 YearsQuarterlyDailyQuarterly3.750%
$100,00030 MonthsQuarterlyDailyQuarterly3.400%
$100,0003 yearsQuarterlyDailyQuarterly3.500%
$100,0004 YearsQuarterlyDailyQuarterly3.600%
$100,0005 YearsQuarterlyDailyQuarterly3.700%
These rates are effective as of February 6, 2024.

1APY = Annual Percentage Yield. All certificates will be automatically renewed at maturity at the rate of interest in effect on the renewal date for successive periods equal to the original term unless the certificate is presented for payment on or within 10 days after the maturity date. By default, dividends compound unless the member elects to have dividends disbursed to a savings or checking account.
Except for withdrawal of dividends, a penalty will be imposed for withdrawal of funds before the original maturity date, or any successive maturity date of a certificate.
* If the original or subsequent term of the certificate is 91 days or less; all dividends will be forfeited.
* If the original or subsequent term of the certificate is greater than 91 days, but 12 months or less; the lesser of an amount equal to 90 days dividends or all dividends already paid will be forfeited.
* If the original or subsequent term of the certificate is greater than 12 months (but less than 48 months); the lesser of an amount equal to 182 days dividends, or all dividends already paid will be forfeited.
* If the original or subsequent term of the certificate is 48 months or greater, the lesser of an amount equal to 365 days dividends, or all dividends already paid will be forfeited.
IRA Certificate of Deposit Rates
Minimum DepositTermDividends CompoundedBalance MethodDividends PaidAPY1
$5001 yearQuarterlyDailyQuarterly4.250%
$50018 MonthsQuarterlyDailyQuarterly4.000%
$5002 yearsQuarterlyDailyQuarterly3.750%
$50030 MonthsQuarterlyDailyQuarterly3.200%
$5003 yearsQuarterlyDailyQuarterly3.300%
$5004 yearsQuarterlyDailyQuarterly3.400%
$5005 yearsQuarterlyDailyQuarterly3.500%
Minimum DepositTermDividends CompoundedBalance MethodDividends PaidAPY1
$50,0001 yearQuarterlyDailyQuarterly4.250%
$50,00018 MonthsQuarterlyDailyQuarterly4.000%
$50,0002 yearsQuarterlyDailyQuarterly3.750%
$50,00030 MonthsQuarterlyDailyQuarterly3.350%
$50,0003 yearsQuarterlyDailyQuarterly3.450%
$50,0004 yearsQuarterlyDailyQuarterly3.550%
$50,0005 yearsQuarterlyDailyQuarterly3.650%
Minimum DepositTermDividends CompoundedBalance MethodDividends PaidAPY1
$100,0001 yearQuarterlyDailyQuarterly4.250%
$100,00018 MonthsQuarterlyDailyQuarterly4.000%
$100,0002 yearsQuarterlyDailyQuarterly3.750%
$100,00030 MonthsQuarterlyDailyQuarterly3.400%
$100,0003 yearsQuarterlyDailyQuarterly3.500%
$100,0004 yearsQuarterlyDailyQuarterly3.600%
$100,0005 yearsQuarterlyDailyQuarterly3.700%
These rates are effective as of February 6, 2024.

1APY = Annual Percentage Yield. All certificates will be automatically renewed at maturity at the rate of interest in effect on the renewal date for successive periods equal to the original term unless the certificate is presented for payment on or within 10 days after the maturity date. A penalty will be imposed for withdrawal of funds before the original maturity date, or any successive maturity date of a certificate.
* If the original or subsequent term of the certificate is 91 days or less; all dividends will be forfeited.
* If the original or subsequent term of the certificate is greater than 91 days, but 12 months or less; the lesser of an amount equal to 90 days dividends or all dividends already paid will be forfeited.
* If the original or subsequent term of the certificate is greater than 12 months (but less than 48 months); the lesser of an amount equal to 182 days dividends, or all dividends already paid will be forfeited.
* If the original or subsequent term of the CD is 48 months or greater, the lessor of an amount equal to 365 days dividends, or all dividends already paid will be forfeited.
IRA Share Rates
Balance TierDividend RateAPY1
$100-$9,999.990.349%0.350%
$10,000-$24,999.990.449%0.450%
$25,000-$49,999.990.598%0.600%
$50,000 and Over0.747%0.750%
1APY = Annual Percentage Yield. Rates are accurate as of February 1, 2023.
Rates may change at any time.
Fees may reduce earnings.
Dividends are paid on Shares with balances of $100 or more.