Loans for Community Heroes
Serving Those Who Serve Our Community
Lower Rates & Better Savings for Our Local Heroes
At Scott Credit Union, we’re proud to support the community heroes who live, work, and serve across the Greater St. Louis area, the Metro East, Chicago, and our other eligible lending areas. You dedicate your days to taking care of us. Now, let our Community Heroes Program help you take care of your financial milestones with exclusive savings on mortgages, auto loans, and personal loans.
Who Qualifies for the Community Heroes Loan Program?¹
- Educators (teachers and school staff)
- Healthcare workers (nurses, EMTs, paramedics, medical professionals)
- First responders (police, firefighters, public safety)
- Military (active duty, veterans, retired)
Whether you’re looking to buy a home, upgrade your ride, or fund a personal project, our Community Heroes Program is designed to give you the competitive edge and financial breaks you deserve.
Mortgage Loans for Community Heroes
Affordable Home Loans for Teachers, First Responders, Healthcare Workers, & Military
Scott Credit Union helps eligible community heroes explore home financing options, including mortgage loans for teachers, home loans for nurses and healthcare workers, and mortgage financing for first responders and military members. Our mortgage team can help you explore available financing options in metro St. Louis, metro Chicago, and throughout Illinois.
Program Benefits:
- Up to 99% financing may be available to qualified borrowers.²
- No minimum borrower contribution required for qualified borrowers.³
- Flexible down payment options.
²Requirements vary by program and underwriting.
³Other funding sources may be required; requirements vary by program and underwriting.
Vehicle Loans for Community Heroes
Affordable Vehicle Financing for Teachers, First Responders, Healthcare Workers, & Military
Keep your monthly payments low on your next car, truck, or SUV. At Scott Credit Union, we believe that hitting the road for work or play should fit comfortably into your budget. This program is designed to give our local heroes a competitive edge.
Eligible community heroes may qualify for vehicle financing options, including car loans for teachers, auto loans for healthcare workers, and vehicle loans for first responders and military members.
Program Benefits:
- Exclusive 0.25% interest rate reduction on new or used vehicle financing.⁴
- Flexible term options to customize a monthly payment that works for you.⁵
- Refinance options available to lower the rate on an existing auto loan brought over from another lender.
⁴Actual rate and APR may vary.
⁵Lower rate may depend on credit profile and current loan terms.
Personal Loans for Community Heroes
Affordable Personal Loan Financing for Teachers, First Responders, Healthcare Workers, & Military
Get the financial flexibility you need to manage life’s major milestones, fund a home improvement project, or consolidate higher-interest debt. Scott Credit Union is proud to offer a specialized rate reduction to help our community heroes simplify their finances with predictable, steady payments.
Eligible borrowers may explore personal loans for teachers, personal loans for healthcare workers, and other financing options designed to help community heroes manage life’s expenses.
Program Benefits:
- Exclusive 0.25% interest rate reduction on all eligible personal loans.⁶
- Fixed-rate predictability with a stable monthly payment you can easily budget around.
- No collateral required to secure your funds, giving you fast, hassle-free access to cash.⁷
⁶Actual rate and APR may vary.
⁷Subject to credit approval and underwriting criteria.
Community Heroes Frequently Asked Questions
It’s a specialized suite of lending discounts and flexible financing options designed to make homeownership, vehicle buying, and personal financing more affordable for local service professionals who dedicate their lives to strengthening and protecting our communities.
The program is open to currently employed full-time or part-time workers in the following fields:
- Education: Teachers, professors, administrators, and school support staff.
- Healthcare: Nurses (all designations), EMTs, paramedics, doctors, and medical office or hospital personnel.
- First Responders: Police officers, firefighters, and public safety personnel.
- Military: Active-duty service members, veterans, and retired military employees.
All loans subject to credit approval. Not all applicants will qualify.
No. The 0.25% (25 bps) consumer loan discount is an interest rate reduction and cannot be combined with our Classic Club or Employee Loan rate discounts. Only one of these three options may be applied to a qualifying loan for a maximum discount of 0.25%. Actual rate and APR may vary based on credit, loan type, and term.
Yes. While the discount is a great fit for traditional vehicle and personal loans, it cannot be applied to Home Equity Lines of Credit (HELOCs), Credit Cards, or share certificate-secured loans. The Community Heroes program is only available for auto loans, personal loans, and mortgages. For qualified borrowers, and subject to underwriting and program guidelines.
Not at all. In fact, this program offers up to 99% financing for qualified buyers, meaning you could put down as little as 1% on a primary residence. Additionally, 100% of your down payment and closing costs can come from eligible gifts or grants, requiring no minimum contribution out of your own pocket. For qualified borrowers, and subject to underwriting and program guidelines.
Yes. We specialize in helping new buyers find the best path forward. The Community Heroes Mortgage Program offers the savings and professional support needed to make your first home purchase a success. All loans subject to credit approval. Not all applicants will qualify.
To apply the Community Heroes benefits to your mortgage, auto, or personal loan, you will need to provide standard proof of employment or status within your eligible field (such as a recent pay stub, work ID badge, or a military DD Form 214). All loans subject to credit approval. Not all applicants will qualify.
Have Questions? Let’s Chat.
Our team of local lending experts is ready to help you get the answers you need. Reach out today to see how easy it is to unlock your exclusive Community Heroes discounts.
¹Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Loan Program.
Rates, terms, and program availability are subject to change. All loans subject to credit approval. Not all applicants will qualify. Membership eligibility required. Additional restrictions may apply.