Overdraft Protection

Scott Credit Union’s Ready Reserve Account is a line of credit that provides a flexible cash reserve to members over the age of 18. But most important of all, it can help you avoid the potential embarrassment of a returned check and costly overdraft charges.
  • Rates as low as 16.00% APR1
  • Helps in an emergency
  • There for unexpected expenses
  • Avoid overdraft (NSF) charges

Attractive Terms

The Ready Reserve Account is a simple-interest loan, and there is no set-up charge. All loan advances are activated in $100 increments. The interest accrues on a daily basis, and is charged on the exact amount of cash used for the length of time you need it. Plus, take advantage of the easy repayment plan – automatically deducted from your SCU checking account on the statement cycle date each month. Or, you can make payments directly at the teller line. To apply today, click below and choose the “Ready Reserve OD Protection” option to complete the application.

1APR = Annual Percentage Rate.