# Members. Value. Community. Scott Credit Union > A Credit Union headquartered in Edwardsville, Illinois in the St. Louis area. Founded in 1943 at Scott Air Force Base, we serve over 150,000 members across Illinois and Missouri. Licensed and insured by the NCUA. > Generated by All in One SEO Pro v5.0.3, this is an llms-full.txt file, used by LLMs to index the site. ## Pages ### [Home](https://www.scu.org/) **Published:** November 14, 2022 **Author:** Chelsea Rogers **Content:** ![New Credit Cards, Delivered.](https://www.scu.org/wp-content/uploads/2026/10/Mastercard-Hero-Image-with-Credit-Cards.webp) [Banner & Featured Image](https://www.scu.org/credit-cards/) ![Scott Credit Union. Welcome to your Mastercard upgrade. your new card, delivered.](https://www.scu.org/wp-content/uploads/2026/09/MC-Mobile-Hero-Image-Delivered-scaled.webp) [Banner & Featured Image](https://www.scu.org/wave/) ## **Your Mastercard Upgrade** Whether you're looking for key dates, what to expect, or answers to common questions, our resource page has the information you need. [Learn More](/wave) ### Checking Debit card checking for individuals and businesses [Join Now!](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) ### Savings Share accounts for all ages. [Open Account](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) ### Loans Loans to fund your dreams and goals [Get My Loan](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&list=VLPLCCSTHE) years, and SCU is still with you at every stage of your financial life. [See Our History](/history/) ## **Scott Credit Union** exists to help our members and community learn, grow, and achieve financial goals. ## What's New Check out the latest news and offers for Scott Credit Union members. [](https://www.scu.org/trust-and-will/)![Trust and Will. SCU Members Save 30% on any estate plan. learn more](https://www.scu.org/wp-content/uploads/2026/10/Trust-Will-Homepage-Tile.webp) [](https://www.scu.org/blues)![Carry the note everywhere you go. Score savings with STL Athletics, Get your Blues Card.](https://www.scu.org/wp-content/uploads/2026/10/SCU-Blues-Cards-Homepage-Tile-scaled.webp) [](https://www.scu.org/community-heroes/)![Mortgage, Vehicle, Signature. Community heroes loan program. Learn More](https://www.scu.org/wp-content/uploads/2026/09/Community-Heroes-Homepage-Tile-September-26.webp) We’re Proud of Our **Military Background** and where we started. [Military Resources](/military/) ## Get the SCU Mobile App These key features make banking and account management a snap with the Scott Credit Union Mobile App. Download the app and take your banking mobile today! ### Sign in with facial or touch ID Choose your device’s biometric security feature to login. ### See balances and transactions Get instant balance and recent transaction details. ### Transfer Money Between Accounts Move money between your accounts. ### Open New Accounts Use your full-service app to apply for & open new accounts. ![Alkami Banking App GIF 2025](//www.scu.org/wp-content/uploads/2025/01/Untitled-design.gif) ### Make mobile check deposits Tap, snap, deposit. Get money in your account faster! ### Set up auto bill pay, send money Send a one-time payment or automatic recurring payments. ### Find a branch or ATM nearby Location services can point you to an SCU location near you. ### View eStatements & eAlerts Never miss important account information from SCU! ### Sign in with facial or touch ID Choose your device’s biometric security feature to login. ### See balances and transactions Get instant balance and recent transaction details. ### Transfer Money Between Accounts Move money between your accounts. ### Open New Accounts Use your full-service app to apply for & open new accounts. ### Make mobile check deposits Tap, snap, deposit. Get money in your account faster! ### Set up auto bill pay, send money Send a one-time payment or automatic recurring payments. ### Find a branch or ATM nearby Location services can point you to an SCU location near you. ### View eStatements & eAlerts Never miss important account information from SCU! [![App store download button](https://www.scu.org/wp-content/uploads/2023/01/App-store-download-button.png "App store download button - Scott Credit Union")](https://apps.apple.com/us/app/id1513405754) [![Google Play store download button](https://www.scu.org/wp-content/uploads/2023/01/Google-Play-store-download-button.png "Google Play store download button - Scott Credit Union")](https://play.google.com/store/apps/details?id=com.scottcu.scottcu) ![12Frame 1](https://www.scu.org/wp-content/uploads/2026/08/12Frame-1.webp)###### SCOTT CREDIT UNION ### MEMBERS We’re growing with you through every stage and chapter of life, offering education and unmatched financial services. [OPEN AN ACCOUNT](#) [Banner & Featured Image](/membership/) ![View of person's hands while they are touching the keys of a laptop with one hand and holding a credit card in the other hand](https://www.scu.org/wp-content/uploads/2022/11/SCU-Credit-Cards-banner-image.jpg)###### SCOTT CREDIT UNION ### VALUE Our competitive interest rates, lower fees, and security provide the benefits our members deserve and expect from SCU. [VIEW OUR RATES](#) [Banner & Featured Image](/rates/) ![home page bottom green community image](https://www.scu.org/wp-content/uploads/2026/08/home-page-bottom-green-community-image.jpg)###### SCOTT CREDIT UNION ### COMMUNITY SCU employees live and work in unique and diverse communities, and we serve with you to help make them better in any way we can. [MEET OUR TEAM](#) [Banner & Featured Image](/about/#team) [ ![Woman using a laptop with a digital security padlock graphic protecting online accounts.](https://www.scu.org/wp-content/uploads/2026/10/how-to-spot-online-scams-and-protect-digtial-accounts.png "how to spot online scams and protect digtial accounts - Scott Credit Union") ](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) ## [How to Spot Online Scams and Protect Your Digital Accounts](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-10-06T12:16:02+00:00October is National [Cybersecurity](https://www.scu.org/everything-you-need-to-know-about-cybersecurity/) Awareness Month, making it the perfect time to review your digital defense strategy. As financial... [Read more +](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) ## [Consumers Credit Union and Scott Credit Union Announce Intent to Combine, Creating Greater Value for Members and Communities](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-10-01T14:00:41+00:00Proposed combination would create a stronger, future-ready credit union focused on members, employees, and communities LAKE FOREST, IL and EDWARDSVILLE, IL... [Read more +](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) [ ![Concerned older woman holding her head while talking on a smartphone during an AI voice scam call.](https://www.scu.org/wp-content/uploads/2026/09/ai-voice-scam-phone-call.png "ai voice scam phone call - Scott Credit Union") ](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) ## [Learn How AI Voice Scams Work and How to Spot Them](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-09-29T19:03:37+00:00Learn How AI Voice Scams Work and How to Spot Them Imagine answering a phone call from an unknown number,... [Read more +](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) ### Join Our Team Scott Credit Union employees are knowledgeable, resourceful, and provide excellent member service. If this sounds like you, we invite you to explore our current job openings and apply to join the SCU team. ***Join the SCU Team!*** [Explore SCU Careers](/careers/) --- ### [Blues](https://www.scu.org/blues/) **Published:** April 8, 2023 **Author:** Chelsea Rogers **Content:** ![Blues Header Desktop](https://www.scu.org/wp-content/uploads/2026/09/Blues-Header-Desktop.png "Blues Header Desktop - Scott Credit Union") ![Blues Header Mobile](https://www.scu.org/wp-content/uploads/2026/09/Blues-Header-Mobile.png "Blues Header Mobile - Scott Credit Union") # **St. Louis Blues Mastercard® Credit Card** Carry the Note everywhere you go with the St. Louis Blues Mastercard® Credit Card. Enjoy exclusive perks, double points at Enterprise Center, and team store savings with no annual fee. ## Features at a Glance¹: - No annual fee. - Earn rewards with ScoreCard Rewards. - Low intro rate² for purchases for the first 6 billing cycles. - [View current Scott Credit Union interest rates.](https://www.scu.org/rates/#credit-card-rates) - Promotional balance transfer APR for the first 6 billing cycles on new cards². - Credit limits from $500 – $50,000. - 25-day grace period³ on new purchases. - Double points for most purchases made at Enterprise Center. - Save 10% on Blues merchandise when you use your card at the STL Authentics Team Store, plus get 25% off the day after a St. Louis Blues home or away win! In-store only. Not valid online. [Apply Now](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) ![SCU Blues Credit Card for Web](https://www.scu.org/wp-content/uploads/2026/09/SCU-Blues-Credit-Card-for-Web-1024x1024.png "SCU Blues Credit Card for Web - Scott Credit Union") *¹Please review account agreement for benefit details and conditions. ²APR = Annual Percentage Rate. Promotional rates for the first 6 billing cycles; after the 6th billing cycle the rate changes depending on creditworthiness. View current Scott Credit Union interest rates. 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 Blues Mastercard® 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. ³Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.* ![stadium mobile](https://www.scu.org/wp-content/uploads/2025/11/stadium-mobile-300x149.jpg "stadium mobile - Scott Credit Union") ## Carry the Note Everywhere You Go See how the official SCU St. Louis Blues Mastercard® debit and credit cards score you exclusive perks all season long. ## **Fans Get Rewarded** With the St. Louis Blues Mastercard® Credit Card, you’ll earn rewards with every swipe. ### **Everyday Rewards** - Earn 1 point for every $1 you spend. - Redeem points for merchandise, travel, gift cards, charitable donations, and more through [ScoreCard Rewards](https://www.scorecardrewards.com/). ### **Enterprise Center Rewards** - Get double points on purchases at Blues games, concerts, and other events at Enterprise Center. - Eligible locations include premiere level bars, suite food and beverage, concession stands, beer tubs, and grab-and-go areas (excluding kiosks). ### **Exclusive Team Store Savings** - **10% off** Blues merchandise at the STL Authentics Team Store. - **25% off** the day after a Blues home or away win. - In-store only. Not valid online. ![Blues Landing Page](https://www.scu.org/wp-content/uploads/2025/11/Blues-Landing-Page.png "Blues Landing Page - Scott Credit Union") ## **Free St. Louis Blues Mastercard® Debit Card** Carry the Note everywhere you go with a free St. Louis Blues Mastercard® debit card from Scott Credit Union, available with every checking account. ![SCU Blues Debit Card for Web](https://www.scu.org/wp-content/uploads/2026/09/SCU-Blues-Debit-Card-for-Web-300x300.png "SCU Blues Debit Card for Web - Scott Credit Union") Enjoy exclusive Blues debit card perks: - Save 10% on Blues merchandise at the STL Authentics Team Store everyday. - Plus, get 25% off your purchase the day after a St. Louis Blues home or away win. - In-store only. Not valid online. Getting your Blues debit card is easy. When you open your SCU checking account, just select “Yes” for Blues card branding! [Open an Account](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1&noencrypt=&l=1) ![SCU Blues Debit Card for Web](https://www.scu.org/wp-content/uploads/2026/09/SCU-Blues-Debit-Card-for-Web-1024x1024.png "SCU Blues Debit Card for Web - Scott Credit Union") \[table id=22 /\] ## **Free Blue Note Kids Club Membership** Scott Credit Union is a proud sponsor of the Blue Note Kids Club, a free club packed with perks for young St. Louis Blues fans! - **Monthly Newsletters:** Loaded with activities, contests, and special ticket offers. - **Exclusive Trading Cards:** Free at the Kids Club kiosk during every home game. - **Member Experiences:** Access to special Blues fan activities and experiences. *Exclusive to kids ages 13 and under.* [Join the Club!](https://www.nhl.com/blues/fans/blue-note-kids-club#signup) ![Blues Kids Club](https://www.scu.org/wp-content/uploads/2026/09/Blues-Kids-Club-300x300.png "Blues Kids Club - Scott Credit Union") --- ### [Loans](https://www.scu.org/loans/) **Published:** February 14, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Loan Options ### Get the cash you need at the best rates, with the service and convenience you deserve. [Get Started ](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) [Want to Learn More? ](#contact-personal-loan) ![Welcome to your Mastercard Upgrade. A New Wave is Coming. Learn More](https://www.scu.org/wp-content/uploads/2026/08/Mastercard-Page-Header-scaled.png) [Banner & Featured Image](https://www.scu.org/wave/) ## SCU is With You for Every Financial Milestone A credit union loan can be a quick, affordable way to get the cash you need for whatever is next for you. Let us help you fund college, buy a home or a car, refinance your mortgage, get a credit card with low interest rates, and more. SCU is with you through it all, and we can help you fund it all.[*Learn more about how credit union loan rates compare to conventional bank loan rates*](https://mycreditunion.gov/about-credit-unions/interest-rate-comparison), then find the loan below that’s right for you. Explore our loan options, and reach out today to begin your application. **With SCU, getting your next loan is as easy as: 1, 2, 3…** [ ![](/wp-content/uploads/2023/02/couple-shaking-hands-with-banker-image2.jpg) ](https://app.loanspq.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIBt2HN4cX2uy6UZrrmsdynGXi5VDeMxIhqoT1tpdTJIs) **1. Join** [ ![](/wp-content/uploads/2023/02/woman-applying-for-loan-on-computer-image2.jpg) ](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) **2. Apply** [ ![](/wp-content/uploads/2023/02/woman-buying-new-car-with-auto-loan-image2.jpg) ](/vehicle-loans/) **3. Buy** - [ ![](/wp-content/uploads/2023/02/man-applying-for-a-loan-on-computer-image2.jpg) ](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) - [ ![](/wp-content/uploads/2023/02/loan-application-form-papers-image.jpg) ](#) **Get Your Loan!** ## Loans and Services We Offer [## Vehicle Loans ](#vehicle-loans)[## HELOC ](#home-equity-line-of-credit) [## Consumer Loans ](#consumer-loans)[## Mortgage ](/mortgage/) [## Credit Cards ](/credit-cards/)[## Loan Skip-A-Pay ](#loan-payment) [## Student Loans ](#student-loans) ## SCU Vehicle Loans Whether you’re in the market for a family car or you’re ready to find that RV, motorcycle, boat, or other type of vehicle, we offer low rate auto loans, plus great rates on other loans, with the quick approval and flexible terms you need to feel confident about your financing. ### **SCU Auto Loans Feature:** Low interest rates Fast approvals and pre-approvals Flexible repayment terms as long as 84 months 100% financing for qualified borrowers Apply in person at your local Scott Credit Union branch, or from one of the many local car dealerships that offer Scott Credit Union financing. Learn more by clicking the button below. [Buy a Vehicle](/vehicle-loans/) ![woman smiling in her new car image](https://www.scu.org/wp-content/uploads/2023/02/woman-smiling-in-her-new-car-image.jpg "woman smiling in her new car image - Scott Credit Union") ## Consumer Loans Get a personal credit union loan to consolidate debt, manage emergency expenses, fund holiday or back to school purchases, and more. We’ll match you with the right loan and the right interest rates and terms to help you stay on track with your financial plan. ### **Consumer Loans include:** Signature Loans: Apply for a signature loan when you need quick cash to use for anything, from debt consolidation to holiday gift purchases. These loans don’t require any collateral, and you can be approved and have cash in-hand within the week. Pledge Share Loans: Get a personal loan with even lower interest rates when you use your share savings or share certificates balance as collateral. This is a great solution when you need cash, but don’t want to access your savings or investments. Ready Reserve Overdraft Protection: A pre-approved line of credit connected to your checking account. This solution provides overdraft protection and peace-of-mind in case of emergencies or unexpected expenses. Must be over 18. Apply for personal loans and learn more about current loan rates, special offers, and repayment terms by clicking the button below. [Get Cash Fast](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) ![couple getting a consumer loan image](https://www.scu.org/wp-content/uploads/2023/02/couple-getting-a-consumer-loan-image.jpg "couple getting a consumer loan image - Scott Credit Union") ## Scott Credit Union Credit Cards You might not normally think of credit cards as loans, but in essence, they’re a method of taking out recurring short-term loans with a pre-approved maximum loan limit. Scott Credit Union credit cards can be a helpful way to build credit, maximize purchasing power, and enjoy fixed low interest rates and no annual fees. ![photo of woman using credit card](https://www.scu.org/wp-content/uploads/2023/02/photo-of-woman-using-credit-card-300x246.jpg "photo of woman using credit card - Scott Credit Union") ### **Choose your credit card today, and start earning rewards with a card that’s right for you:** Platinum World Rewards Mastercard® Platinum Rewards Mastercard® Platinum Mastercard® St. Louis Blues Mastercard® Select Mastercard® [Get My SCU Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Learn About SCU Credit Cards](/credit-cards/) ## SCU Student Loans Scott Credit Union offers educational credit union loan options in partnership with [Sallie Mae®](https://www.salliemae.com/). Visit the [Sallie Mae website](https://www.salliemae.com/student-loans/) for information about student loan options for undergraduate or graduate higher education. [Fund My Education](https://www.salliemae.com/landing/student-loans/?MPID=1000001338&dtd_cell=SVLRSOWBLR02100624) ![image of man graduating with student loans](https://www.scu.org/wp-content/uploads/2023/02/image-of-man-graduating-with-student-loans-300x246.jpg "image of man graduating with student loans - Scott Credit Union") ## Home Equity Line of Credit (HELOC) in Illinois and Metro St. Louis A Home Equity Line of Credit is a revolving line of credit you can access whenever you need additional funds. This financial tool is ideal for homeowners who do not plan to spend all of their loan proceeds at once but want to plan wisely for both current and future milestones. What can you use a home equity line of credit for? Common uses include major home improvements, strategic debt consolidation, or significant unexpected expenses. This product gives you the ultimate flexibility to borrow only what you need, exactly when you need it. ![Two people taking a break from construction on their house drinking a cup of coffee.](https://www.scu.org/wp-content/uploads/2026/06/Home-Equity-Line-of-Credit-at-SCU.png "Home Equity Line of Credit at SCU - Scott Credit Union") [Open a HELOC](https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) ### **Features of our Home Equity Line of Credit:** Access your cash without refinancing your primary mortgage. Low monthly payments Borrow up to 90% of your home’s equity No annual fee No prepayment penalties Low Closing Cost\* Interest may be tax-deductible (consult a tax advisor regarding the deductibility of interest) Loan amounts $10,000 up to $500,000 10-year draw period followed by a 15-year repayment period \*Closing cost may vary, $150 – $1,200. Closing cost is paid at closing; no cost to apply. ### Convenient Ways to Access Your Line of Credit You can easily manage your account using [SCU Digital Banking](https://www.scu.org/digital-banking/), writing a HELOC check, or visiting a local branch to speak with our team. Note: The rate on an SCU HELOC is subject to change monthly based on the Wall Street Journal Prime Rate. *\*APR=Annual Percentage Rate. Rates Subject to Change.* *\*\*Reduced rates apply to new home equity lines of credit (HELOC). Does not include refinances of existing SCU HELOCs. Promotional rate applies to first six (6) months of HELOC term only. After introductory period, APR will be based on the terms of HELOC agreement. Membership eligibility required. Offer subject to change without notice.* ## Home Loan Mortgage Think of Scott Credit Union first when it comes to home loans. Our team of professional loan advisors will work with you to take the stress out of the mortgage process, whether buying or refinancing your existing loan. ### **Explore what the SCU full service mortgage department can do to help you qualify for your next:** VA Loan FHA Loan Jumbo Loan Single Close Construction Loan Home Equity Loan Learn more about what our mortgage team can do for you, from zero down payment options to fixed rate loans, and more. Click the button below to choose your credit union loan product and contact the Mortgage Loan Originator who can help you experience a quick, stress-free mortgage application process. ![image of couple with new home](https://www.scu.org/wp-content/uploads/2023/02/image-of-couple-with-new-home.jpg "image of couple with new home - Scott Credit Union") [Find My Mortgage](https://mortgage.scu.org/?loanapp&siteid=6916104585&lar=martin&workFlowId=80299) ## Debt Protection Does your family have a safety net if the unexpected hits? Insuring your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances. Debt protection plans could cancel your loan balance or payments up to the contract maximums. Life Plus adds protection for life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Protect your loan balance or loan payments today so your family can worry a little bit less about tomorrow. ![Debt Protection](https://www.scu.org/wp-content/uploads/2023/04/New-Website-in-copy-512x419-1.jpg "Debt Protection - Scott Credit Union") ***Disclosure****: Your purchase of debt protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of debt protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.* ## Government Shutdown Loans Scott Credit Union is there to help our members who will not be paid due to a shutdown of the U.S. government. Please note, this loan is *only available* during times of a U.S. government shutdown. Eligibility: - Current SCU member in good standing - Actively employed with the US government - Have missed one or more paychecks due to the government shutdown Features: - Members can borrow up to 100% of your regularly scheduled net pay\* - 0% Annual Percentage Rate\*\* - No payments for 60 days - Maximum 6 month loan term Members will need to provide your two most recent paystubs\*\*\*. To apply stop by any of the [Scott Credit Union branches ](https://www.scu.org/locations/)or call us at [(618) 345-1000](tel:(618)%20345-1000). ![Government Shutdown Loans](https://www.scu.org/wp-content/uploads/2026/02/Government-Shutdown-Loans.png "Government Shutdown Loans - Scott Credit Union") *\*The maximum loan amount will be equivalent to that of the last net pay within 30 days prior to the request.\*The rate is 0% APR. For example, if $1,000 is borrowed and the rate is 0% APR for 6 months, the monthly payment would be $166.67. Maximum of three Government Shutdown Loans may be granted per member. Other restrictions may apply. Contact us for details. \*\*\*Paystubs must have been issued within the previous 45 days.* ## Want more information or ready to apply? Contact a Loan Consultant [(618) 381-7300](tel:6183817300) Visit any SCU branch [View Locations](/locations/) [Apply Online](https://app.loanspq.com/he/HomeEquityLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) ## Make Scott Credit Union Loan Payments **Pay your SCU loan using one of our convenient payment options. Click each section to learn more:** #### [Pay Online](#collapse348946628) **Make a SCU Loan Payment from your SCU Account** Use your SCU login to access your online account dashboard and transfer credit union loan payments from your SCU checking or savings account. [Login and Pay Now](https://digital.scu.org/Authentication) **Make a SCU Loan Payment from a non-SCU Account** Use your SCU login to access your online account dashboard and transfer credit union loan payments from an external account. - From the main menu choose “Transfer & Pay” - If you have not added the external account previously, select the “Add Account” tab and follow the prompts to connect the account. - Then choose “Transfer” - Make the transfer from the external account to the loan [Login and Pay Now](https://digital.scu.org/Authentication) **Make a SCU Loan Payment from a non-SCU Account** Make a one-time online loan payment from a checking account at another financial institution using our online payment tool. You’ll need your routing number and account number for the account you’ll use for payment, as well as your SCU member number, the last four digits of the account holder’s Social Security Number, or that member’s birthday. [Make a Payment Now](https://web.baconpay.com/gate/login?institutionId=bca286c7-c920-436a-a375-b22338b51327) #### [Pay by Phone / In Person](#collapse1795172436) Call our Member Contact Center at (800) 888-4728 or stop by any of our Illinois or Missouri branches to set up automatic loan payments from your SCU account. You can also make a payment using a debit card from a non-SCU checking account for a $10 fee (phone payments only). Call to Make a Payment, (800) 888-4728 [Find an SCU Branch](/locations/) #### [Recurring Payments](#collapse26669612) Make a recurring payment from another financial institution by submitting an ACH authorization using the link below. [ACH Authorization Form for Recurring Payments](https://scottcu.na2.echosign.com/public/esignWidget?wid=CBFCIBAA3AAABLblqZhClX1AhHBeQ3dcDSnQeLldc4_NJkoXD-I4QnTGcKsdp8y-Pqdq7pxWKxeMqEFSKdR8%2A) #### [Skip-A-Payment](#collapse175208609) **Skip-A-Payment** If you have taken out a Consumer loan through Scott Credit Union, you may be eligible to take advantage of Skip-A-Pay1. SCU understands that life happens and that sometimes making your loan payment can be difficult. This service is great to use when your budget is tight and allows you to skip a payment on your loan once per year during the time that’s best for you. If you choose to take advantage of our convenient and flexible Skip-A-Pay service, please remember: - There is a fee of $25 for each skipped payment per loan.2 - You are limited to 5 skips per the life of your loan. - You may only use Skip-A-Pay once per calendar year. - Skip-A-Pay is available any month of the year! ##### If you’re ready to make the most of your loan and utilize Skip-A-Pay click the link below. If you want to learn more, [visit your local branch](https://www.scu.org/locations/) or call the SCU Member Contact Center at (618) 345-1000. #### **[Check Eligibility for Skip-A-Pay](https://skip.scu.org/SKIPPAY)** *1Home Equity Lines of Credit, Credit Cards, Certificate secured loans are not eligible.* *The Skip A Pay program does not include: 1st Mortgage Loans, Lot Loans, Construction Loans, and Closed End Second Mortgages.* *2 A non-refundable fee of $25 per loan will be charged for exercising this service. The fee can be debited from an SCU share/checking or added to your loan balance. The addition of the fee to your loan balance will result in additional interest accruing on your loan. The fee and additional interest will result in a larger total amount of payments on your loan. Finance charges will continue to accrue during the Skip-A-Payment period and will be payable with your next payment. Your payments will resume the month following your skipped payment. You understand that making this change may extend the final payment date beyond what is listed on your original note. As a reminder, if you have set up an automatic payment via SCU Online Banking, your other bank’s bill pay service, or any other external method, be sure to cancel it for the month you are skipping. Skipping a loan payment may affect available benefits if you have purchased GAP insurance or credit insurance on your loan.* ## The Credit Union Loan Solutions FOR ALL OF LIFE’S MILESTONESContact the **SCU consumer lending team or mortgage lending team** to discuss your needs and get one-on-one help finding the credit union loan solution that is right for you. Scott Credit Union is with you, and your family, to help you continue to make smart borrowing choices and build a healthy financial future. [Get a Personal Loan](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) [Get a Mortgage Loan](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&list=VLPLCCSTHE) --- ### [New to the Area](https://www.scu.org/new-to-the-area/) **Published:** January 29, 2024 **Author:** Chelsea Rogers **Content:** # New Beginnings Bring New Financial Goals ### Open a CashBack Checking account at Scott Credit Union and get paid for the shopping you already do! [Learn More!](https://www.scu.org/personal-checking/#cashback) [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ## SCU Membership Scott Credit Union is a full-service financial cooperative with a focus on supporting its members and their families. From offering youth accounts to assisting families with home loans, SCU is here to help families achieve their financial goals. With a strong commitment to giving back to its members, SCU goes above and beyond to provide exceptional services and support. ### Checking [**Learn More >>**](https://www.scu.org/scu/#checking) ### Credit Cards [**Learn More >>**](https://www.scu.org/scu/#credit-cards) ### Community [**Learn More >>**](https://www.scu.org/scu/#community) ### Mortgage [**Learn More >>**](https://www.scu.org/scu/#mortgage) ### Savings [**Learn More >>**](https://www.scu.org/scu/#savings) ## Checking Accounts & Debit Cards Your checking account is the center of your financial life. That’s why Scott Credit Union accounts with no monthly fees are the perfect checking account solution, so you can save money while avoiding the bank fees. ![Gentleman with a scott credit union card smiling while holding his phone](https://www.scu.org/wp-content/uploads/2023/04/personal-checking-eXtreme-Checking-Terms.jpg "personal checking - eXtreme Checking Terms - Scott Credit Union") All SCU checking account options include no monthly service fees, no minimum balance and overdraft protection. Plus, your account can be easily managed anywhere and everywhere through SCU Online and SCU Mobile. Don’t want the hassle of writing checks? Scott Credit Union’s Mastercard® Debit Card allows you the convenience of making purchases without carrying your checkbook. Use it anywhere you see a Mastercard® logo, including ATMs to get cash and access your account balance. Transactions at non-Scott Credit Union ATMs may incur fees and surcharges. Take a look at the accounts we offer and choose the one that is right for you! [Compare Accounts](https://www.scu.org/personal-checking/) [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ## Mortgage Services We work to take the stress out of buying a home or refinancing your existing loan, and we’re with you every step of the way. Our Mortgage Loan Originators help simplify the home loan process so you can focus on what really matters. ![Couple hugging while holding a key to a house](https://www.scu.org/wp-content/uploads/2023/04/SCU-Mortgage-Services-1.jpg "mortgage loan - SCU Mortgage Services - Scott Credit Union") \*FHA and VA loans are not serviced in-house. \*\*100% financing for the lesser of purchase price or appraised value. Credit qualifications are required for each program. The Scott Credit Union pre-approval process gives you quick access to all of our mortgage services and member benefits: - In-house underwriting and in-house servicing\* - Fast turnaround and closing - Programs with up to 100%\*\* financing - Fixed rate programs - Extensive mortgage lending experience - Serving the financial needs of our members for over 80 years See the latest [Scott Credit Union mortgage rates](https://mortgage.scu.org/Rates.html) to learn why an SCU loan is competitive in the local mortgage lending market and get approved today. [Apply Online](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Mortgage Rates Calculator](https://mortgage.scu.org/Rates.html) [Contact Us](https://www.scu.org/mortgage/#schedule-loan-appointment) ## Share Savings Accounts Your savings account means more at Scott Credit Union. Every SCU member sets up a Scott Credit Union savings account with a minimum $5 deposit when they join. Here’s what you can expect from our no-fee account: - Earn more on your account balance - No monthly maintenance fees - No maximum balance - Easy access to your accounts through SCU Online and SCU Mobile - Low minimum balance of only $5.00 - eStatements & eAlerts From [Youth Accounts to Classic Club](https://www.scu.org/savings/) and even [Holiday Accounts and Certificates](https://www.scu.org/savings/#holiday-club), we have savings options that will are just the right fit. Join today and open your Scott Credit Union share savings account by clicking the button below. Then, [use the SCU savings calculator](https://www.scu.org/savings-calculator) to start creating your personalized savings plan. [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [Open a Youth Account](https://app.loanspq.com/Apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) ![A male and Female in a work setting with a calculator looking at documents](https://www.scu.org/wp-content/uploads/2023/03/Share-Savings-Accounts.png "savings: Share Savings Accounts - Scott Credit Union") ## Credit Cards Scott Credit Union credit cards give you the power to[ make the purchases you need without the added expense of a high interest rate or an annual fee](https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/getting-credit-card-and-using-it-wisely/). No matter where you are in your financial journey, Scott Credit Union has the perfect card for you. With low interest rates, no annual fee, low balance transfer fee, and the ability to earn rewards, you really can’t go wrong with a credit card from Scott Credit Union. Plus, SCU offers online and mobile banking, Apple and Google Pay options, and even more ways to pay. Plus, with [ScoreCard Rewards](https://www.scorecardrewards.com/#/home) you will earn points when you use your card. Choose from thousands of name-brand electronics, recreational merchandise, jewelry, home goods, appliances, workshop tools, travel options, games, and toys. And they are always adding something new! [Apply for a Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Compare Credit Cards](https://www.scu.org/rates/#credit-card-rates) ![smiling while holding credit card](https://www.scu.org/wp-content/uploads/2026/07/smiling-while-holding-credit-card-1024x683.webp "smiling while holding credit card - Scott Credit Union") ## Community Involvement Scott Credit Union has made community betterment a major priority. Our focus is to serve as the local credit union that gives back to our neighbors and communities, every day. ![community - Scott Credit Union Community Foundation event. building a playground](https://www.scu.org/wp-content/uploads/2023/04/community-Scott-Credit-Union-Community-Foundation-image.jpg "community - Scott Credit Union Community Foundation image - Scott Credit Union") Scott Credit Union and the Scott Credit Union Community Foundation have contributed more than $3.9 million to support various community endeavors throughout the years, not counting volunteer hours. SCU employees and members remain committed to supporting our local community organizations throughout the counties we serve, including sponsoring a variety of community sports teams and scholastic organizations. #### *“We do not just speak the words, we put them into action”* ***Renee VanDyke – 2022 SCU Volunteer of the Year*** [Learn More](https://www.scu.org/community/) [SCU Community Foundation](https://www.scu.org/community-foundation/) [80 Acts of Kindness for 80 Years](https://www.scu.org/80-acts-2/) ## Become A Member Today With us, it’s not about the money; it’s about you and your dreams! We’re with you every step of the way.At **Scott Credit Union**, we believe in providing you with the tools you need to meet all of your dreams at any stage of life. Our goal is to help you be able to buy a car, purchase a home, attend college, save money for your future, and more. [Join Online](https://secure.scottcreditunion.com/scuonline/uux.aspx) --- ### [Branch Near Me](https://www.scu.org/branch-near-me/) **Published:** January 29, 2024 **Author:** Chelsea Rogers **Content:** # We have a branch near you! ### Scott Credit Union, down the street and always online, we’re your neighborhood credit union! Over 30,000 ATMs, 23 locations, and 24/7 online banking. We've got you covered! [Find a branch near you!](https://www.scu.org/locations/) ## SCU Membership Scott Credit Union is a full-service financial cooperative with a focus on supporting its members and their families. From offering youth accounts to assisting families with home loans, SCU is here to help families achieve their financial goals. With a strong commitment to giving back to its members, SCU goes above and beyond to provide exceptional services and support. ### Checking [**Learn More about checking accounts>>**](https://www.scu.org/scu/#checking) ### Credit Cards [**Learn More about Scott Credit Union credit cards>>**](https://www.scu.org/scu/#credit-cards) ### Community [**Learn More about Scott Credit Union’s Community>>**](https://www.scu.org/scu/#community) ### Mortgage [**Learn More about Scott Credit Union Mortgage Loans>>**](https://www.scu.org/scu/#mortgage) ### Savings [**Learn More about Scott Credit Union Savings Accounts>>**](https://www.scu.org/scu/#savings) ## Checking Accounts & Debit Cards Your checking account is the center of your financial life. That’s why Scott Credit Union accounts with no monthly fees are the perfect checking account solution, so you can save money while avoiding the bank fees. ![Gentleman with a scott credit union card smiling while holding his phone](https://www.scu.org/wp-content/uploads/2023/04/personal-checking-eXtreme-Checking-Terms.jpg "personal checking - eXtreme Checking Terms - Scott Credit Union") All SCU checking account options include no monthly service fees, no minimum balance and overdraft protection. Plus, your account can be easily managed anywhere and everywhere through SCU Online and SCU Mobile. Don’t want the hassle of writing checks? Scott Credit Union’s Mastercard® Debit Card allows you the convenience of making purchases without carrying your checkbook. Use it anywhere you see a Mastercard® logo, including ATMs to get cash and access your account balance. Transactions at non-Scott Credit Union ATMs may incur fees and surcharges. Take a look at the accounts we offer and choose the one that is right for you! [Compare Accounts](https://www.scu.org/personal-checking/) [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ## Mortgage Services We work to take the stress out of buying a home or refinancing your existing loan, and we’re with you every step of the way. Our Mortgage Loan Originators help simplify the home loan process so you can focus on what really matters. ![Couple hugging while holding a key to a house](https://www.scu.org/wp-content/uploads/2023/04/SCU-Mortgage-Services-1.jpg "mortgage loan - SCU Mortgage Services - Scott Credit Union") \*FHA and VA loans are not serviced in-house. \*\*100% financing for the lesser of purchase price or appraised value. Credit qualifications are required for each program. The Scott Credit Union pre-approval process gives you quick access to all of our mortgage services and member benefits: - In-house underwriting and in-house servicing\* - Fast turnaround and closing - Programs with up to 100%\*\* financing - Fixed rate programs - Extensive mortgage lending experience - Serving the financial needs of our members for over 80 years See the latest [Scott Credit Union mortgage rates](https://mortgage.scu.org/Rates.html) to learn why an SCU loan is competitive in the local mortgage lending market and get approved today. [Apply Online](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Mortgage Rates Calculator](https://mortgage.scu.org/Rates.html) [Contact Us](https://www.scu.org/mortgage/#schedule-loan-appointment) ## Share Savings Accounts Your savings account means more at Scott Credit Union. Every SCU member sets up a Scott Credit Union savings account with a minimum $5 deposit when they join. Here’s what you can expect from our no-fee account: - Earn more on your account balance - No monthly maintenance fees - No maximum balance - Easy access to your accounts through SCU Online and SCU Mobile - Low minimum balance of only $5.00 - eStatements & eAlerts From [Youth Accounts to Classic Club](https://www.scu.org/savings/) and even [Holiday Accounts and Certificates](https://www.scu.org/savings/#holiday-club), we have savings options that will are just the right fit. Join today and open your Scott Credit Union share savings account by clicking the button below. Then, [use the SCU savings calculator](https://www.scu.org/savings-calculator) to start creating your personalized savings plan. [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [Open a Youth Account](https://app.loanspq.com/Apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) ![A male and Female in a work setting with a calculator looking at documents](https://www.scu.org/wp-content/uploads/2023/03/Share-Savings-Accounts.png "savings: Share Savings Accounts - Scott Credit Union") ## Credit Cards Scott Credit Union credit cards give you the power to[ make the purchases you need without the added expense of a high interest rate or an annual fee](https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/getting-credit-card-and-using-it-wisely/). No matter where you are in your financial journey, Scott Credit Union has the perfect card for you. With low interest rates, no annual fee, low balance transfer fee, and the ability to earn rewards, you really can’t go wrong with a credit card from Scott Credit Union. Plus, SCU offers online and mobile banking, Apple and Google Pay options, and even more ways to pay. Plus, with [ScoreCard Rewards](https://www.scorecardrewards.com/#/home) you will earn points when you use your card. Choose from thousands of name-brand electronics, recreational merchandise, jewelry, home goods, appliances, workshop tools, travel options, games, and toys. And they are always adding something new! [Apply for a Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Compare Credit Cards](https://www.scu.org/rates/#credit-card-rates) ![making payment with credit card 1](https://www.scu.org/wp-content/uploads/2026/07/making-payment-with-credit-card-1-1024x683.webp "making payment with credit card 1 - Scott Credit Union") ## Community Involvement Scott Credit Union has made community betterment a major priority. Our focus is to serve as the local credit union that gives back to our neighbors and communities, every day. ![community - Scott Credit Union Community Foundation event. building a playground](https://www.scu.org/wp-content/uploads/2023/04/community-Scott-Credit-Union-Community-Foundation-image.jpg "community - Scott Credit Union Community Foundation image - Scott Credit Union") Scott Credit Union and the Scott Credit Union Community Foundation have contributed more than $3.9 million to support various community endeavors throughout the years, not counting volunteer hours. SCU employees and members remain committed to supporting our local community organizations throughout the counties we serve, including sponsoring a variety of community sports teams and scholastic organizations. #### *“We do not just speak the words, we put them into action”* ***Renee VanDyke – 2022 SCU Volunteer of the Year*** [Learn More](https://www.scu.org/community/) [SCU Community Foundation](https://www.scu.org/community-foundation/) [80 Acts of Kindness for 80 Years](https://www.scu.org/80-acts-2/) ## Become A Member Today With us, it’s not about the money; it’s about you and your dreams! We’re with you every step of the way.At **Scott Credit Union**, we believe in providing you with the tools you need to meet all of your dreams at any stage of life. Our goal is to help you be able to buy a car, purchase a home, attend college, save money for your future, and more. [Join Online](https://secure.scottcreditunion.com/scuonline/uux.aspx) --- ### [SCU Mastercard Upgrade Information](https://www.scu.org/wave/) **Published:** May 19, 2026 **Author:** Jen Audetat **Content:** # Welcome to your mastercard upgrade. ## A New Wave is coming ![Mastercard Wave Page Header v3](https://www.scu.org/wp-content/uploads/2026/07/Mastercard-Wave-Page-Header-v3-scaled.png) ![Welcome to your mastercard upgrade. A new wave is coming](https://www.scu.org/wp-content/uploads/2026/06/Mastercard-Wave-Page-Header-Final-Mobile-scaled.png) ## Scott Credit Union & Mastercard: An Upgrade Designed for You In direct response to your feedback, we are upgrading our entire card lineup to Mastercard® to bring you modern features like secure tap-to-pay technology. This transition comes at absolutely no cost to you, giving you enhanced account flexibility and a more secure checkout while keeping the same low rates and service you count on every day. Your new Mastercard debit or credit card will be mailed to you automatically. Debit cards will be mailed in waves from late-August through September, followed by credit cards in early-October. Once you receive and activate your new card, you’ll be able to enjoy all the benefits of your upgraded Mastercard. ![Mastercard Logo Full Color](https://www.scu.org/wp-content/uploads/2026/06/ma_symbol-1.png "ma symbol 1 - Scott Credit Union") ![1](https://www.scu.org/wp-content/uploads/2026/06/1-1.png) ### **No Fees** ![2](https://www.scu.org/wp-content/uploads/2026/06/2-1.png) ### **Contactless Payments** ![3](https://www.scu.org/wp-content/uploads/2026/06/3-1.png) ### **Mastercard ID Theft Protection** ![4](https://www.scu.org/wp-content/uploads/2026/06/4.png) ### **Mastercard Global Services** ![5](https://www.scu.org/wp-content/uploads/2026/06/5.png) ### **Mastercard Transit Benefit** ## Read the Reissuance Guide Ready to make the switch? Download our comprehensive digital guide to walk through the easy 3-step activation checklist, learn how to quickly move your recurring bills, and discover all the new perks of your new Mastercard. [Download the Guide ](https://www.scu.org/wp-content/uploads/2026/10/Mastercard-Conversion-and-Reissuance-Member-Guide_v3.pdf) ![6](https://www.scu.org/wp-content/uploads/2026/06/6.png "6 - Scott Credit Union") ## Why the Upgrade Why is SCU converting from Visa to Mastercard?We’re upgrading to Mastercard to deliver enhanced benefits (such as tap-to-pay), stronger security features, and expanded digital and global acceptance, while continuing to offer low member rates and trusted service. What is the same?Many core features of your membership will not change, including: - Your personal and business account numbers. - Access to [SCU Digital Banking](https://www.scu.org/digital-banking/), including the SCU Mobile App. - Any savings accounts, investments, and other SCU services not related to debit and credit cards. - Low rates and local support. Do I need to apply for a new card?Most members will automatically receive a comparable or upgraded Mastercard product. If any action is required, you will be notified directly. Will this hurt my credit?No. There will only be a soft pull of your credit. You will maintain the credit history from when you originally applied for your card. The date of origination will not change. Will the new cards include Tap-to-Pay and Chip functionality?Yes! Your new Scott Credit Union Debit and Credit cards support tap-to-pay and chip payments. Will secondary or joint account cardholders receive a card?Yes. Each authorized or joint account holder will receive their own card with a unique 16-digit card number. Will St. Louis Blues Debit and Credit Cards convert to Mastercard?Yes, replacement cards will feature updated St. Louis Blues Mastercard debit and credit designs. Does Costco accept Mastercard?The SCU Mastercard Debit Cards can be used at Costco warehouse locations, and your SCU Mastercard Credit Card is accepted for purchases made on Costco’s website and through the Costco mobile app. Can I still use my card when traveling internationally?Yes. Mastercard is accepted worldwide wherever the Mastercard logo is displayed. ## Timing & Expectations Will everyone switch to Mastercard at the same time?No. This process will happen in waves, beginning with debit cards. You will receive advanced communications before any cards are reissued or Visa cards stop working. Specific dates will be shared with impacted members. When should I expect my new debit card?Debit cards will be mailed in late August through September. When should I expect my new credit card?Credit cards will be mailed beginning in early October. When will my existing Visa card stop working?We recommend activating your Mastercard right away to start enjoying the benefits. Once you activate your Mastercard, your Visa will no longer work. All Visa cards will stop working on November 9, 2026. How soon can I access my funds after getting my new card?Funds will be available for use immediately upon activation of your new card. Will I need to update my recurring payments and digital wallet?Yes! Updates will be required. As soon as you receive and activate your new card, you will need to update all recurring payments and your digital wallet. How do I activate my new card?You can activate your new card in SCU Digital Banking (online or via our mobile app) or by calling the phone number included with your card. - **Debit & HSA Cards:** Log in to Digital Banking or call **(833) 541-0780**. Have your SSN, ZIP code, and CVV ready to verify. To select your PIN, call **(833) 541-0780**. - **Credit Cards:** Call **(800) 456-6870**. Have your primary phone number and primary cardholder SSN ready to verify. To select or change your PIN, call **(866) 297-3408**. What should I do with my old card?Once you activate your new Mastercard, safely destroy your old Visa card. What will the envelope look like in the mail?For security purposes, your new card will arrive in a plain white envelope. Will my card number change?Yes, your 16-digit card number, expiration date, and 3-digit security code will all be new. Why haven’t I received my credit card? I received my debit card.Cards are being reissued in waves. Debit cards will be mailed in late August through September. Credit cards will be mailed in October. How do I set the PIN on my new Mastercard?For credit cards, visit a Scott Credit Union branch or contact the [Member Contact Center](http://scu.org/contact) to request a PIN mailer. Once you receive your PIN by mail, call [(866) 297-3408](tel:(866)%20297-3408) to change it to a PIN of your choice. For debit or HSA cards, you can set your PIN within SCU Digital Banking or by calling [(833) 541-0780](tel:(833)%20541-0780). The credit card activation message mentioned removing a sticker and signing my card, but my card doesn’t have either. Is this correct?Yes, this is correct. Modern card security features have eliminated the need for signature panels, and your card was shipped without an activation sticker. The automated activation recording includes standard legacy prompts, but no additional action is needed. Once you complete the call or activate your card in SCU Digital Banking, your credit card is ready to use. What happens to my Health Savings Account (HSA) debit card?HSA debit cards will convert to Mastercard on the same schedule as personal debit cards. What if I have a Visa credit card that expires before I receive my Mastercard?You will be sent a renewal Visa card before your expiration date, and your new Mastercard will ship in October. What should I do if I haven't received my new card?Please allow until the end of September for debit card deliveries and the end of October for credit cards. If you have not received yours after those dates, contact our Member Contact Center at (618) 345-1000 to verify your address and reissue your card before existing Visa cards are deactivated on November 9, 2026. ## Rewards Will my reward points be transferred over to my new card?Yes, your points will be transferred. Will I still earn reward points on my new card?Most of our upgraded Mastercards will continue to earn reward points. However, Secured and Business Mastercards will transition to a non-rewards structure. If you hold one of these two specific card types, any rewards balance you have earned on your Visa card will transfer over to your new Mastercard and remain available for you to redeem for one calendar year following the conversion. ## Have Questions? We’re Here for You. Our team is ready to assist you during this upgrade. Reach out to our Member Contact Center to speak with a representative today. [Contact Us](https://www.scu.org/contact/ "Contact SCU") ![Waves for Footer](https://www.scu.org/wp-content/uploads/2026/06/Waves-for-Footer.png) --- ### [Youth Young Adult](https://www.scu.org/youth/) **Published:** March 14, 2023 **Author:** Chelsea Rogers **Content:** # Youth Savings & Student Checking Accounts ## Their First Account, Your Smartest Move. It’s never too soon to build smart money habits. Our youth savings and student checking accounts teach kids and teens to save, spend wisely, and manage money responsibly – whether they’re learning the basics, making their first purchases, or budgeting as a student. Open an account with just $5.00 and start their financial journey today! ## Find the Right Account for Every Age ![Frame 3](https://www.scu.org/wp-content/uploads/2025/08/Frame-3.png) ### Kidz Club Savings Account ### *Ages 12 and Under* [Open Account](https://app.loanspq.com/Apply.aspx?lenderref=scottcu072120&list=1s&_gl=1%2Ai3bf9w%2A_gcl_au%2AMTQyODE5ODAzNy4xNzQ3MzM5ODAy%2A_ga%2AOTYyOTE0ODgwLjE3NDczMzk4MDI.%2A_ga_B0G6MQ5G1Q%2AczE3NTMyOTU0MTkkbzEzNSRnMSR0MTc1MzI5NTg3MSRqNTMkbDAkaDA) [Learn More](https://www.scu.org/savings/#youth-accounts) Smart money habits start early. Help your child learn the basics of saving and watch their excitement grow as their balance does! Account Includes: - $5.00 minimum balance - No monthly fees - Earn a higher rate on first $1,000 deposited - Monitor savings with [digital banking](https://www.scu.org/savings/) - eStatements & eAlerts ![Frame 1](https://www.scu.org/wp-content/uploads/2025/08/Frame-1.png) ### Teen Share Savings Account ### *Ages 13-17* [Open Account](https://app.loanspq.com/Apply.aspx?lenderref=scottcu072120&list=1s&_gl=1%2Ai3bf9w%2A_gcl_au%2AMTQyODE5ODAzNy4xNzQ3MzM5ODAy%2A_ga%2AOTYyOTE0ODgwLjE3NDczMzk4MDI.%2A_ga_B0G6MQ5G1Q%2AczE3NTMyOTU0MTkkbzEzNSRnMSR0MTc1MzI5NTg3MSRqNTMkbDAkaDA) [Learn More](https://www.scu.org/savings/#teen-share-account) Teach teens how to manage their own money responsibly. With the right tools now, they’ll be ready for bigger financial decisions later. Account Includes: - $5.00 minimum balance - No monthly fees - Earn a higher rate on first $1,000 deposited - Monitor savings with [digital banking](https://www.scu.org/savings/) - eStatements & eAlerts ![SCU Student Checking Accounts 1](https://www.scu.org/wp-content/uploads/2026/09/SCU-Student-Checking-Accounts-1.webp) ### Student Checking Account ### *Ages 13-22* [Open Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb&_gl=1%2Ab64n8v%2A_gcl_au%2AMTQyODE5ODAzNy4xNzQ3MzM5ODAy%2A_ga%2AOTYyOTE0ODgwLjE3NDczMzk4MDI.%2A_ga_B0G6MQ5G1Q%2AczE3NTMyOTU0MTkkbzEzNSRnMSR0MTc1MzI5NTkxMyRqMTEkbDAkaDA) [Learn More](https://www.scu.org/personal-checking/#student-checking) Give students the freedom to manage their own money with parental oversight for peace of mind and no extra fees. Account Includes: - No minimum balance - No monthly fees - Scott Credit Union debit card - Text alerts for low balance ($50 and $10) - Monitor balances & transfer between accounts with SCU [digital banking](https://www.scu.org/personal-checking/#student-checking) ## Earn Cash With Our Great Grades Program You work hard to get an education, and Scott Credit Union wants to reward your efforts. Bring your end-of-semester report card or transcript to one of our branches to show us your great grades. We’ll deposit **$3 for every “A” on your report card** into your share savings account at Scott Credit Union. **Deadlines to redeem:** - **Fall Semester** (July–December): Bring your report card by **January 31** - **Spring Semester** (January–June): Bring your report card by **July 31** **Rules:** - Earn a maximum of $15 per semester (fall and spring) - Grade must be an “A” or whatever the highest score is on the school’s grading scale (E, 3, etc.) - Student must be a member of Scott Credit Union - Offer is available to students of all ages ![CashBack Checking Image](https://www.scu.org/wp-content/uploads/2025/07/CashBack-Checking-Image-1024x1024.png "CashBack Checking Image - Scott Credit Union") ## Blue Note Kids Club Scott Credit Union is a proud sponsor of the Blue Note Kids Club! Earn points by participating in trivia, polls and games. Save up enough points, and you can redeem them for exciting prizes like Blues Sunglasses, a Blues Mini Bluetooth Speaker, a Louie Snapback and more! *Exclusive to kids ages 13 and under.* [Become a Member](https://www.nhl.com/blues/fans/blue-note-kids-club) ![Blue Note Kids Club Logo](https://www.scu.org/wp-content/uploads/2025/07/Blue-Note-Kids-Club-Logo.png "Blue Note Kids Club Logo - Scott Credit Union") ## Free Financial Education for Kids and Teens Smart money habits start with education. That’s why Scott Credit Union offers FREE financial education programs to help kids and teens learn to save, budget, and make smart financial decisions. ![education resources](https://www.scu.org/wp-content/uploads/2025/07/Frame-3.png) ### Education Resources Education is a top priority at Scott Credit Union. We offer free programs for K–12 students and a Speakers’ Bureau to teach smart money habits to youth groups and classrooms. [Request Info](https://scu.kadince.com/external/forms/7d6d54b51af6bda9b09520cfef8a3764) ![Money wise workbook](https://www.scu.org/wp-content/uploads/2025/07/Frame-4.png) ### Money Wise Workbook This workbook helps students recognize coins and bills, understand needs and wants, and practice smart ways to Save, Share, and Spend what they earn. [Download](https://www.scu.org/documents/Scott-Credit-Union-Moneywise-Workbook.pdf) ![Banzai & SCU](https://www.scu.org/wp-content/uploads/2025/07/Frame-1.png) ### Banzai & SCU Scott Credit Union has teamed up with Banzai to offer FREE online financial literacy courses. Explore articles, videos, and interactive tools on our dedicated [Financial Literacy](scu.org/financial-literacy) Hub. [Learn More](https://scu.banzai.org/wellness) --- ### [Financial Literacy](https://www.scu.org/financial-literacy/) **Published:** September 25, 2023 **Author:** Chelsea Rogers **Content:** # Financial Literacy ### SCU enhances the financial literacy of members and our communities by providing accessible and comprehensive educational resources and programs, with the ultimate goal of improving ability to manage money, make informed financial decisions, and achieve long-term financial goals. ## Scott Credit Union Financial Literacy Unlock Your Financial Potential with Scott Credit Union’s Financial Literacy Programs! At Scott Credit Union, we believe in the power of financial education. That’s why we’re dedicated to providing our members with the tools and knowledge they need to achieve their financial goals. ## Banzai & Scott Credit Union Scott Credit Union has teamed up with *Banzai*, to offer our members, communities, and youth access to free online financial literacy courses. *Banzai,* is an award-winning, interactive content platform that teaches real-world finance. SCU is committed to teaching and providing resources to people of all ages in the communities we serve – not just our members. In doing so, we provide financial literacy for kids and adults, creating a more financial savvy world. Use the links below to discover a wealth of financial educational articles, videos, and interactive tools covering budgeting, saving, investing, credit management, and more all on our dedicated [Financial Literacy Hub](https://scu.banzai.org/wellness). [SCU + Banzai](https://scu.banzai.org/wellness) [SCU + Banzai Partner Schools](https://scu.banzai.org/) ![](https://www.scu.org/wp-content/uploads/2023/10/Website-Boxes-1.png "Teen Financial Education - Scott Credit Union") [### Articles [**Learn More >>**](https://scu.banzai.org/wellness/articles) ](https://scu.banzai.org/wellness/articles) [### Calculators [**Learn More >>**](https://scu.banzai.org/wellness/calculators) ](https://scu.banzai.org/wellness/calculators) [### Coaches [**Learn More >>**](#Share-Savings) ](https://scu.banzai.org/wellness/coaches) [### Collections [**Learn More >>**](https://scu.banzai.org/wellness/collections) ](https://scu.banzai.org/wellness/collections) [### Courses [**Learn More >>**](https://scu.banzai.org/wellness/collections/banzai-courses) ](https://scu.banzai.org/wellness/collections/banzai-courses) [### Videos [**Learn More >>**](https://www.youtube.com/playlist?list=PLvs16TWcdBGOmiYeAgaLaEp8xT5Xrz0_i) ](https://www.youtube.com/playlist?list=PLvs16TWcdBGOmiYeAgaLaEp8xT5Xrz0_i) ## Financial Literacy YouTube Playlist Scott Credit Union’s financial education [playlist](https://youtube.com/playlist?list=PLvs16TWcdBGOmiYeAgaLaEp8xT5Xrz0_i&si=-jsB20InKYeYW2v4) is like our friendly, go to guide for mastering money matters! Whether you’re a financial whiz or just starting your money journey, this collection of resources has your back. [Watch More Videos](https://www.youtube.com/channel/UCEHkIX3LKsrzScSH_atb8Zg) ## Host an Expert-Led Workshop One of our Scott Credit Union professionals will visit your school or community organization to share information about budget planning, building credit, or one of our many other topics. We deliver the lesson to you with our friendly and knowledgeable speakers. To request a speaker, email <communityrelations@scu.org>. ![students raising hands in a classroom](https://www.scu.org/wp-content/uploads/2024/12/1-2.png "1 - Scott Credit Union") ## Attend Expert-Led Workshops Join us for engaging [workshops](https://www.scu.org/financial-education/) and seminars led by certified financial educators. Whether you’re planning for retirement, managing debt, or saving for a major purchase, our experts are here to guide you. [View Upcoming Workshops](https://www.scu.org/financial-education/) [Contact Financial Advisors](https://www.scu.org/investments/) ![Attend Expert-led Workshops](https://www.scu.org/wp-content/uploads/2023/09/2.png "2 - Scott Credit Union") ## Complimentary Retirement & Investment Workshops Secure your financial future with confidence. Our expert-led workshops provide personalized guidance on retirement planning and smart investment strategies tailored to your goals. [View Upcoming Workshops](https://www.scu.org/financial-education/) ![an adult classroom](https://www.scu.org/wp-content/uploads/2025/01/4.png "4 - Scott Credit Union") ## Free Home Buyer Seminars Whether you’re looking for your first home, or looking to downsize, our informative seminars guide you through the homebuying process with expert tips and resources to help you every step of the way. [View Upcoming Seminars](https://www.scu.org/mortgage/#Homebuyer-seminars) ![A couple signing paperwork](https://www.scu.org/wp-content/uploads/2025/01/3.png "3 - Scott Credit Union") ## Partnerships for Community Impact We collaborate with local schools and organizations to bring financial education for kids to our communities. Together, we’re building a financially savvy future. **MoneyWise** was originally created through a partnership with the Girl Scouts of Southern Illinois to help Daisy and Brownie troops earn badges. This workbook teaches students to identify coins and bills, distinguish between needs and wants, and determine ways to save, share, and spend money they have earned. ![Partnerships for Community Impact](https://www.scu.org/wp-content/uploads/2023/09/7.png "7 - Scott Credit Union") ![youth page -girl scouts image](https://www.scu.org/wp-content/uploads/2023/04/youth-page-girl-scouts-image.jpg)### Money Wise Workbook ##### Originally created through a partnership with the Girl Scouts of Southern Illinois to help Daisy and Brownie troops earn badges, this workbook teaches students to identify coins and bills, distinguish between needs and wants, and determine ways to Save, Share, and Spend money they have earned. ##### [Download the Workbook](/documents/Scott-Credit-Union-Moneywise-Workbook.pdf) ![youth page -girl in class image](https://www.scu.org/wp-content/uploads/2023/04/youth-page-girl-in-class-image.jpg)### Education Resources ##### Education is a top priority for Scott Credit Union. We’ve created two free programs for students in Kindergarten through 4th grade, and also offer guest speakers for youth groups and classrooms. ##### [Request More Information](https://scu.kadince.com/external/forms/7d6d54b51af6bda9b09520cfef8a3764) ## SCU is With You ### We encourage you to learn more about how we can save you money on banking services. At Scott Credit Union anyone living or working in one of the 32 counties we serve is invited to open an account and enjoy the benefits of belonging to a neighborhood credit union. Membership doesn’t cost a dime, and SCU only requires a minimum savings account balance of $5.00 as your membership share. Join the nearly 152,000 members we serve, and experience the benefits of credit union membership. ***Get started today!*** [Learn More About SCU History](/history/) [Become A Member of Scott Credit Union](/membership/) --- ### [Scott Credit Union Offerings for Members](https://www.scu.org/scu/) **Published:** July 27, 2023 **Author:** Chelsea Rogers **Content:** # Get More as a Member! ### Scott Credit Union offers all the benefits of a bank, only more! Checking and savings accounts, great member rates on CDs, home loans and auto loans, plus becoming a part of bettering the communities where we live and work. [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ## Learn More About What SCU Has To Offer ### Checking [**Learn More >>**](https://www.scu.org/scu/#checking) ### Credit Cards [**Learn More >>**](https://www.scu.org/scu/#credit-cards) ### Community [**Learn More >>**](https://www.scu.org/scu/#community) ### Mortgage [**Learn More >>**](https://www.scu.org/scu/#mortgage) ### Savings [**Learn More >>**](https://www.scu.org/scu/#savings) ## Checking Accounts & Debit Cards Your checking account is the center of your financial life. That’s why Scott Credit Union accounts with no monthly fees are the perfect checking account solution, so you can save money while avoiding the bank fees. ![Gentleman with a scott credit union card smiling while holding his phone](https://www.scu.org/wp-content/uploads/2023/04/personal-checking-eXtreme-Checking-Terms.jpg "personal checking - eXtreme Checking Terms - Scott Credit Union") All SCU checking account options include no monthly service fees, no minimum balance and overdraft protection. Plus, your account can be easily managed anywhere and everywhere through SCU Online and SCU Mobile. Don’t want the hassle of writing checks? Scott Credit Union’s Visa Debit Card allows you the convenience of making purchases without carrying your checkbook. Use it anywhere you see a Visa logo, including ATMs to get cash and access your account balance. Transactions at non-Scott Credit Union ATMs may incur fees and surcharges. Take a look at the accounts we offer and choose the one that is right for you! [Compare Accounts](https://www.scu.org/personal-checking/) [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ## Mortgage Services We work to take the stress out of buying a home or refinancing your existing loan, and we’re with you every step of the way. Our Mortgage Loan Originators help simplify the home loan process so you can focus on what really matters. ![Couple hugging while holding a key to a house](https://www.scu.org/wp-content/uploads/2023/04/SCU-Mortgage-Services-1.jpg "mortgage loan - SCU Mortgage Services - Scott Credit Union") \*FHA and VA loans are not serviced in-house. \*\*100% financing for the lesser of purchase price or appraised value. Credit qualifications are required for each program. The Scott Credit Union pre-approval process gives you quick access to all of our mortgage services and member benefits: - In-house underwriting and in-house servicing\* - Fast turnaround and closing - Programs with up to 100%\*\* financing - Fixed rate programs - Extensive mortgage lending experience - Serving the financial needs of our members for over 80 years See the latest [Scott Credit Union mortgage rates](https://mortgage.scu.org/Rates.html) to learn why an SCU loan is competitive in the local mortgage lending market and get approved today. [Apply Online](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Mortgage Rates Calculator](https://mortgage.scu.org/Rates.html) [Contact Us](https://www.scu.org/mortgage/#schedule-loan-appointment) ## Share Savings Accounts Your savings account means more at Scott Credit Union. Every SCU member sets up a Scott Credit Union savings account with a minimum $5 deposit when they join. Here’s what you can expect from our no-fee account: - Earn more on your account balance - No monthly maintenance fees - No maximum balance - Easy access to your accounts through SCU Online and SCU Mobile - Low minimum balance of only $5.00 - eStatements & eAlerts From [Youth Accounts to Classic Club](https://www.scu.org/savings/) and even [Holiday Accounts and Certificates](https://www.scu.org/savings/#holiday-club), we have savings options that will are just the right fit. Join today and open your Scott Credit Union share savings account by clicking the button below. Then, [use the SCU savings calculator](https://www.scu.org/savings-calculator) to start creating your personalized savings plan. [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [Open a Youth Account](https://app.loanspq.com/Apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) ![A male and Female in a work setting with a calculator looking at documents](https://www.scu.org/wp-content/uploads/2023/03/Share-Savings-Accounts.png "savings: Share Savings Accounts - Scott Credit Union") ## Credit Cards Scott Credit Union credit cards give you the power to[ make the purchases you need without the added expense of a high interest rate or an annual fee](https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/getting-credit-card-and-using-it-wisely/). No matter where you are in your financial journey, Scott Credit Union has the perfect card for you. With low interest rates, no annual fee, low balance transfer fee, and the ability to earn rewards, you really can’t go wrong with a credit card from Scott Credit Union. Plus, SCU offers online and mobile banking, Apple and Google Pay options, and even more ways to pay. Plus, with [ScoreCard Rewards](https://www.scorecardrewards.com/#/home) you will earn points when you use your card. Choose from thousands of name-brand electronics, recreational merchandise, jewelry, home goods, appliances, workshop tools, travel options, games, and toys. And they are always adding something new! [Apply for a Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Compare Credit Cards](https://www.scu.org/rates/#credit-card-rates) ![smiling while holding credit card](https://www.scu.org/wp-content/uploads/2026/07/smiling-while-holding-credit-card-1024x683.webp "smiling while holding credit card - Scott Credit Union") ## Community Involvement Scott Credit Union has made community betterment a major priority. Our focus is to serve as the local credit union that gives back to our neighbors and communities, every day. ![community - Scott Credit Union Community Foundation event. building a playground](https://www.scu.org/wp-content/uploads/2023/04/community-Scott-Credit-Union-Community-Foundation-image.jpg "community - Scott Credit Union Community Foundation image - Scott Credit Union") Scott Credit Union and the Scott Credit Union Community Foundation have contributed more than $3.9 million to support various community endeavors throughout the years, not counting volunteer hours. SCU employees and members remain committed to supporting our local community organizations throughout the counties we serve, including sponsoring a variety of community sports teams and scholastic organizations. #### *“We do not just speak the words, we put them into action”* ***Renee VanDyke – 2022 SCU Volunteer of the Year*** [Learn More](https://www.scu.org/community/) [SCU Community Foundation](https://www.scu.org/community-foundation/) [80 Acts of Kindness for 80 Years](https://www.scu.org/80-acts-2/) ## Become A Member Today With us, it’s not about the money; it’s about you and your dreams! We’re with you every step of the way.At **Scott Credit Union**, we believe in providing you with the tools you need to meet all of your dreams at any stage of life. Our goal is to help you be able to buy a car, purchase a home, attend college, save money for your future, and more. [Join Online](https://secure.scottcreditunion.com/scuonline/uux.aspx) --- ### [SCU CCU Proposed Merger](https://www.scu.org/ccu-merger/) **Published:** October 1, 2026 **Author:** Jen Audetat **Content:** # More power behind your financial future [ ![Scott Credit Union + Consumers Credit Union. More power behind your financial future. Learn more.](https://www.scu.org/wp-content/uploads/2026/10/Hero-scaled.webp) ](#merger-overview) ## We’re uniting with Consumers Credit Union to strengthen our service—for you. Exciting updates are coming. We’re proud to announce our Intent to Merge with [Consumers Credit Union](https://www.myconsumers.org/)—bringing together two strong, member-first organizations to offer expanded branch access, enhanced digital tools, and more opportunities for those we serve. ### Two Partners, One Purpose: Our Members. The service and commitment you value from Scott Credit Union remains the same. But the proposed merger means our members will have access to expanded branch locations, new products, and more financial experts to help you reach your goals. By combining our strengths, Scott Credit Union and Consumers Credit Union can invest more directly in what drives us: you. ![Frank Padak and Sean Rathjen](https://www.scu.org/wp-content/uploads/2026/09/frank-padak-sean-rathjen.webp) Frank Padak, President and CEO of Scott Credit Union and Sean Rathjen, CEO of Consumers Credit Union. ## What This Means For You It's business as usual. There are no immediate changes to your accounts or services. You can continue using your accounts, cards, branches, digital banking services and other products. We’ll let you know if any action is required in the future, and keep you updated as we pursue the intended partnership. ## Why We’re Proposing This Merger Like Scott Credit Union, Consumers Credit Union is entirely driven by member needs and a shared commitment to community impact. The goal is simple: unite two community-focused, member-first credit unions to form an even stronger financial partner for your life. ### If we join together, our members will enjoy: - Increased branch locations. - Enhanced access to banking products and services. - And expanded investment in member service, development, and the other benefits that make our credit unions special. ![Scott Credit Union and Consumers Credit Union](https://www.scu.org/wp-content/uploads/2026/09/Scott-Credit-Union-Gardening.webp) ## So, What’s Next? We’re currently working through the process of coming together. Here’s a look at our roadmap. 1. ### Merger Agreement Signed 2. ### Regulatory Review 3. ### SCU Member Vote 4. ### Tentative Effective Merger Close:JUNE 2027 The proposed merger remains subject to regulatory approvals and other required steps, including SCU member vote. We’ll continue to update you as the process moves forward. ## 46 Locations \| Better Reach \| Greater Possibilities [SCU Locations](https://www.scu.org/locations#asl-storelocator) [CCU Locations](https://www.myconsumers.org/locations) [ ![View Scott Credit Union locations. Map of Scott Credit Union locations in the St. Louis metro area and Consumers Credit Union locations in northern Illinois.](https://www.scu.org/wp-content/uploads/2026/09/Background-1.webp) ](https://www.scu.org/locations#asl-storelocator) ## A Shared Purpose Four Pillars ![](https://www.scu.org/wp-content/uploads/2026/09/divporto-sicon-top.webp) ### Members More access to trusted guidance, personalized support, and the solutions that help you succeed. ![](https://www.scu.org/wp-content/uploads/2026/09/divporto-sicon-top-1.webp) ### Employees Continued investment in the talented people who support our members every day. ![](https://www.scu.org/wp-content/uploads/2026/09/divporto-sicon-top-2.webp) ### Community Building on a shared commitment to financial wellness, local relationships, and meaningful community impact. ![](https://www.scu.org/wp-content/uploads/2026/09/divporto-sicon-top-3.webp) ### Culture Two member-owned credit unions united by service, trust, and the belief that people helping people makes a difference. ## Two Legacies Built on service, trust, and a commitment to helping members and communities thrive. ## One Stronger Team Shared purpose. Shared values. Stronger together. ## Member FAQs Are the two organizations merging?Consumers Credit Union and Scott Credit Union are intending to merge. While both Boards of Directors have approved the proposed merger, it remains subject to regulatory approval, which can take several months and potentially as long as half a year. Why are the credit unions proposing a merger?The proposed merger is designed to create a stronger, future-ready credit union with expanded branch locations, deeper banking and digital capabilities and greater capacity to invest in member service, technology, products, employees and community impact. Do members need to take any action right now?No. Members do not need to take any action at this time. Your accounts and services continue as they do today, and we will provide advance notice before any future changes require action. Are my accounts and deposits safe?Yes. Your accounts remain safe and accessible. Deposits will continue to be federally insured by the National Credit Union Administration (NCUA), just as they are today. Both credit unions are member-owned financial cooperatives, and regular account protections and service standards remain in place. Will my account number, debit card, credit card, checks or direct deposits change?Not at this time. Members should continue using their accounts, cards, checks, direct deposits and automatic payments as they do today. If changes are needed in the future, members will receive clear instructions well in advance. Will Digital Banking or branch access change?There are no immediate changes to Digital Banking, mobile banking or branch access. Members should continue banking the way they do today. Future updates about systems, locations or service access will be communicated before any changes take effect. When is the expected merger date?The expected legal merger date is June 1, 2027, subject to required regulatory approvals, member approval where required and other closing conditions. But again, even at that date, we do not anticipate changes taking place for how you access and utilize your credit union currently. What approvals are still needed?The proposed merger remains subject to required regulatory approvals and other required steps, including SCU member vote. We will continue to update members as the process moves forward and more information is available to share. Will any branches close?No branches will close as a result of the merger. How will members receive updates?Members should rely on official credit union communications, including website updates, emails, branch materials and other approved channels. We will continue to keep members informed as approvals progress and future decisions are finalized. How can members avoid merger-related scams?Members should be cautious of anyone asking for passwords, PINs, online banking credentials, one-time passcodes or full account information. The credit union will never ask for that information through an unsolicited call, text or email. If something feels suspicious, members should stop and contact their credit union directly using a verified phone number or website. For tips on helping prevent fraud, visit Scott Credit Union’s Online Security page at <https://www.scu.org/security/> Can members still open accounts and apply for loans during the merger process?Of course. It is business as usual for SCU and CCU. Members can continue opening accounts, applying for loans and using services just as they do today. We are here to help you now, and we will continue to be here as we move forward together. ## Have Additional Questions? Email <ask@scu.org> with questions or feedback regarding our intended merger. --- ### [Trust and Will](https://www.scu.org/trust-and-will/) **Published:** October 1, 2025 **Author:** Jen Audetat **Content:** ![Limited time offer: SCU Members Save 30% on Any Estat Plan!](https://www.scu.org/wp-content/uploads/2026/09/Trust-Will-30-off-October-Desktop-Header.png) ![Trust Will 30 off October Mobile Header](https://www.scu.org/wp-content/uploads/2026/09/Trust-Will-30-off-October-Mobile-Header.png) # Protect what matters most with Trust & Will services from Scott Credit Union Planning for the future can feel uncertain. That’s why Scott Credit Union has partnered with Trust & Will to provide members with an easy and affordable way to get started. Trust & Will is the leader in online estate planning and has helped over half a million families secure their legacies. Together, we’re on a mission to help families protect their legacy and give their families peace of mind. ## **Limited-Time Offer: Save 30% from October 1–31, 2026** During October, members receive an exclusive 30% discount on wills and trusts. ## **Ongoing Member Savings** After October, members still save 20% year-round, making estate planning simple and affordable whenever you’re ready to start. ## Estate Planning Benefits Estate planning doesn’t have to be overwhelming. With Trust & Will and Scott Credit Union’s partnership, you get: ![affordable services](https://www.scu.org/wp-content/uploads/2025/09/Frame-58.png) ### **Affordable services** For a limited time, members save 30% on any estate plan and get the first shipment of documents for free. ![expert support](https://www.scu.org/wp-content/uploads/2025/09/Frame-59.png) ### **Expert support** Their team of experts is available to help if you have any questions along the way. Email <support@trustandwill.com> or call [1-866-908-7878](tel:1-866-908-7878) for assistance. ![Easy and convenient](https://www.scu.org/wp-content/uploads/2025/09/Frame-60.png) ### **Easy and convenient** Simple, step-by-step instructions to complete your will or trust online in as little as 30 minutes. ![Built by attorneys, customized by you](https://www.scu.org/wp-content/uploads/2025/09/Frame-61.png) ### **Built by attorneys, customized by you** State-specific, legally-valid documents that are customizable to meet your family’s needs. If you’re looking for a convenient and affordable option through a trusted partner, look no further than Scott Credit Union and Trust & Will. ## Scott Credit Union and Trust & Will meet all of your estate planning needs. ![Mask group 1](https://www.scu.org/wp-content/uploads/2025/09/Mask-group-1.png) ### **Will-Based Estate Plan** $199 \| $139.30 \| 30% OFF This outlines how you want your dependents, financial assets, and medical concerns to be taken care of. - Nominate trusted guardians for children and pets - Determine how assets will be distributed - Designate healthcare agents and specify what happens in a medical emergency [Create Your Will](https://links.lovemycreditunion.org/client/love_my_cu/banner/?bid=6560&campid=103&clientid=66370&sid=1) ![Mask group](https://www.scu.org/wp-content/uploads/2025/09/Mask-group.png) ### **Trust-Based Estate Plan** $499 \| $349.30 \| 30% OFF This includes all the features of a Will and more. - Add conditions to how assets will be distributed - Create a revocable living trust - Avoid probate court [Create Your Trust](https://links.lovemycreditunion.org/client/love_my_cu/banner/?bid=6560&campid=103&clientid=66370&sid=1) ## Frequently Asked Questions Estate planning can be confusing. At Scott Credit Union, we make it simple. Here are answers to common questions: What is the difference between a will and a trust?While wills and trusts may have overlaps, there are also many differences. Wills are simpler documents that let you name guardians for kids and pets, designate where assets go, and specify final arrangements. The simplicity of a will does come with some drawbacks, such as limited control over the distribution of assets, and it often must go through a probate process after death. Like a will, a trust also controls the disposition of assets, but provides greater control over when and how your assets are distributed. Trusts only apply to assets held in the trust, so you must transfer assets to the trust. This makes a trust a little more complex to set up, but there are significant benefits. Trusts are also often used to minimize or avoid probate entirely, which can be a massive draw for many and justifies the additional work upfront needed to create a trust. Both ways to say who will receive your assets have different ways of distributing those assets, as well as different advantages and disadvantages. How long will it take to complete a will or trust?Most people complete a will in 15 minutes and a trust in about 20 minutes. All your answers are saved as you go, so feel free to pause and return to pick up where you left off at any time! Is Trust & Will a law firm?We are not a law firm and are not a substitute for a lawyer or a law firm. We cannot give legal advice, guidance, or services. Interactions with us do not form an attorney-client relationship, and information provided to us is not protected by the attorney-client privilege. Is an online estate plan right for everyone?Yes! Online Estate Planning offers the same level of validity and function as its traditional counterpart, with added advantages (such as affordability and accessibility). By leveraging advanced technology alongside exceptional customer support, their services ensure a smooth experience from start to finish, simplifying estate planning for everyone. Trust & Will is the trusted estate planning partner of 100+ financial institutions across the US. Do Scott Credit Union members get a discount?Yes. Scott Credit Union members enjoy exclusive savings on Trust & Will estate plans. From October 1–31, 2026, members save 30% as part of this limited time offer. The rest of the year, members save 20% off wills and trusts. **Disclaimer:** Trust & Will is offering Scott Credit Union members exclusive savings on estate plans. From October 1–31, 2026, members receive 30% off the initial purchase of a will or trust-based estate plan. Beginning November 1, 2026, members receive a 20% discount year-round. No promo code is required; the discount is automatically applied at checkout to the initial purchase of a will or trust-based estate plan. Subsequent upgrades aren’t eligible for a discount. ## Ready to take a step toward your future? Learn more about our Trust & Will services. [Get Started](https://links.lovemycreditunion.org/client/love_my_cu/banner/?bid=6560&campid=103&clientid=66370&sid=1) --- ### [Community Foundation](https://www.scu.org/community-foundation/) **Published:** February 23, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Community Foundation ### Expanding Credit Union Support to Local Communities ## Creating a Foundation for Giving Back ### SCOTT CREDIT UNION COMMUNITY FOUNDATION HISTORY The Scott Credit Union Community Foundation was established early in 2018 to support and strengthen a core credit union commitment to our communities. A [charitable 501(c)3 foundation that is completely separate from Scott Credit Union.](https://www.irs.gov/charities-non-profits/charitable-organizations/exemption-requirements-501c3-organizations) The SCU Community Foundation was created to expand the reach and our ability, leveraging our existing community involvement, to give back to the communities we serve through a charitable foundation. Nearly all of the proceeds raised by the SCU Community Foundation are donated back into our local communities. ![Scott Credit Union Donating 5000 Dollars](https://www.scu.org/wp-content/uploads/2023/03/Creating-a-Foundation-for-Giving-Back-image-635x440.jpg "Creating a Foundation for Giving Back image") The SCU Community Foundation was established with two primary fundraising areas of focus: 1. 1. The annual golf tournament fundraiser that benefits causes in the community, and 2. We will donate a percentage of your annual purchases on your SCU Epic and Blues debit card to the Scott Credit Union Community Foundation at no cost to you. ## Annual Scott Credit Union Community Foundation Golf Scramble Since 2007, Foundation volunteers have helped raise more than $300,000 to our local communities through this event, and we are looking forward to another successful year. Proceeds from the tournament are used to support scholarships and multiple educational programs in the communities we serve. Thank you to everyone that supported the 2026 SCU Community Foundation Golf Scramble! Your participation and support helped us raise more than **$63,000**, and we couldn’t have done it without you. ![community foundation: Annual SCU Community Foundation Golf Event image](https://www.scu.org/wp-content/uploads/2023/03/Annual-SCU-Community-Foundation-Golf-Event.jpg "community foundation: Annual SCU Community Foundation Golf Event image - Scott Credit Union") ## With You Grants Program ![2025 With You Recipients Group Photo](https://www.scu.org/wp-content/uploads/2025/12/2025-With-You-Recipients-Group-Photo.jpg "2025 With You Recipients Group Photo - Scott Credit Union") The SCU Community Foundation is committed to supporting programs that make a meaningful difference in our local schools. Even during challenging times, our commitment to our schools and communities remains strong. We’re proud to continue supporting the people and programs that help our communities thrive. Does your school have a project in mind that would benefit students, but no funding to make it happen? This year, the Scott Credit Union Community Foundation has allocated $150,000 to be awarded to a variety of school projects. Applying for funds for your project is simple! Complete the short online application by November 7, 2026. Once applications are submitted, they will be reviewed by a volunteer committee. All school names will remain anonymous through the review and selection process. Winners will be contacted and announced here by December 11, 2026. Please contact Ashleigh Deatherage by phone (618-381-7209) or email (ashleigh.deatherage@scu.org) or Tracie Buettner (618-381-7205) or email (tracie.buettner@scu.org) if you have any questions. ### Criteria that applications will be reviewed on - The direct benefit the project will offer to students (please be as specific as possible) - Need based (for example: hunger initiatives would take a higher precedent than a sports team) - Percentage of student enrollment impacted by project ### Expectations for recipients - Submit photos of project - Help us get the word out about the program next year ### Ready to apply? [Apply Now](https://www.scu.org/with-you-community-foundation-form/) Please note that the maximum With You grant amount for 2026 is $5,000. We appreciate your understanding so that we can assist as many schools as possible. ## 2025 With You Grants Program Recipients - **Belle Valley School District #119 (Belleville, IL)** – The Bombers’ Closet is a confidential, school-run pantry providing all middle school students with free basic personal-care items, such as deodorant and shampoo, to boost confidence, support attendance, and ensure dignity by removing self-care barriers. Students can access supplies anonymously by request. - **Triad High School (Troy, IL)** – Culinary students will explore food insecurity and practice large-quantity preparation skills by cooking packaged meals for local families in need. These meals will be distributed through the school system or a local food pantry to directly support the community. - **Mason Clark Middle School (East St. Louis, IL)** – The Cardinal Care Closet is a student-led service-learning project that provides food and household necessities to families in need within the school community. By managing the entire process from donation drives to distribution, students build leadership skills and learn that active citizenship begins with uplifting those around them. - **Wingate Elementary (Shiloh, IL) –** Supporting a functional life skills program for 2nd through 5th graders with Autism, Down Syndrome and Developmental Delays, providing materials for hands-on cooking lessons and recipe-based learning activities. - **Holman Middle School (St. Ann, MO) –** Establishing an accessible, library-based Makerspace that supplies the tools and materials needed for collaborative, project-based STEAM learning, enhancing problem-solving, creativity, and real-world skill development for all Holman Middle School students. - **Wolf Branch Middle School (Swansea, IL)** – Funding supports providing grab-and-go breakfast items and snacks for students experiencing food insecurity, with a long-term goal of offering ready-to-eat meals for weekends and school breaks. - **Jersey Community Middle School (Jerseyville, IL)** – Enhancing a life skills classroom by supplying essential hygiene, cooking, cleaning, and art materials, expanding community learning opportunities, and adding adaptive playground equipment to support inclusion and sensory regulation. - **Henning Elementary School (Troy, IL) –** Adding a weather-resistant communication board to the playground to ensure all students, including those who use AAC, can participate in social play, express needs, and engage with peers in an equitable and inclusive environment. - **St. Teresa Catholic School (Belleville, IL)** – Updating aging playground swing equipment to reduce safety concerns and maintain a secure, enjoyable play environment for all students. - **Holman Middle School (St. Ann, MO)** – This project supplies healthy snacks to reduce hunger-related barriers during reading challenges, promoting improved concentration, reading success, and overall well-being for participating students. - **Mascoutah Community Unit School District # 19 – Gifted Program (Mascoutah, IL)** – Supports the Stretch or Support (SOS) program, which uses screen-free, data-driven reasoning games to build verbal, quantitative, and nonverbal thinking skills and promote academic growth for students across all elementary grade levels. - **Scott Elementary School (Scott Air Force Base, IL) –** Enhance independent reading by supplying durable seat pockets to store books of various sizes and adding engaging items such as flashlights, headlamps, and cushions to encourage student choice and enjoyment during reading time. - **Trenton Elementary (Trenton, IL) –** Enhances learning through thematic playdough activities, giving students opportunities to develop fine motor skills, communication, and cognitive growth in an engaging, hands-on environment. - **Westhaven Elementary School (Belleville, IL)** – Supply nutritious snacks and engaging, age-appropriate games to meet students’ basic needs and strengthen communication, teamwork, and problem-solving skills in an inclusive classroom environment. - **Grigsby Elementary School (Granite City, IL)** – Support expanded communication access across the district by providing Translate Live devices to improve real-time engagement with Spanish speaking families during school events and daily interactions. - **Wingate Elementary School (Shiloh, IL)** – Expanding and updating classroom STEM bins with new hands-on, structured materials that encourage creative problem-solving and collaborative exploration during daily soft-start activities. - **Loyola Academy of St. Louis (St. Louis, MO)** – Funding the school’s nutrition program, which supplies all students with healthy breakfasts, lunches, and afternoon snacks to reduce food insecurity and support academic success and well-being. - **Triad Middle School (St. Jacob, IL)** – Supplies essential books for a reading intervention program designed to help students strengthen skills and progress toward grade-level reading success. - **Bierbaum Elementary School (St. Louis, MO)** – Provides essential materials such as tools, plants, and storage for a student garden club and schoolwide outdoor learning space, helping sustain interactive science and nature-based instruction. - **Triad Middle School (St. Jacob, IL)** – Provides incentives for a quarterly event that rewards students for positive behavior and contributions to a supportive, respectful school environment. - **Pathways School (Belleville, IL) –** The “Holiday Hearts Project” supplies toys, winter clothing, nonperishable food, and household essentials to families facing financial hardship during the holiday season, helping create a caring and supportive school community. - **Roxana High School (Roxana, IL)** -Strengthens a student-led sustainability garden by providing resources for environmental science students to grow and maintain the campus garden, process harvested food, and advance long-term sustainability efforts. - **Twin Echo Elementary (Collinsville, IL)** – Provide access to IXL, an online program offering standards-aligned practice across all subjects to help students strengthen academic skills in both the classroom and at home, benefiting two classrooms at the school. - **Roxana High School (Roxana, IL)** – Supports the Best Buddies program which fosters inclusion, meaningful friendships, and leadership opportunities for students of all abilities. - **Our Lady Queen of Peace (Bethalto, IL) –** Supplies new P.E. equipment to enhance student physical fitness, encourage collaboration, and replace outdated or worn materials for all age groups. - **Wingate Elementary School (Shiloh, IL)** – Enhances a self-contained classroom with sensory and seating support that help students maintain attention, reduce overload, and participate successfully in academic and social activities. - **Triad Middle School (St. Jacob, IL)** – Supplies updated and engaging reading materials for middle school literature circles, enhancing engagement and targeted learning in English Language Arts. - **Albert Cassens Elementary School (Glen Carbon, IL)** – Establishes the “Cassens Little Free Library” to promote literacy, student engagement, and civic responsibility. - **Notre Dame High School (St. Louis, MO)** – Equips the Specialized Learning Department with technology needed to administer standardized and classroom assessments with accommodations. This ensures equitable access, academic integrity, and compliance with testing requirements. - **Ferguson Middle School (Ferguson, MO)** – Provides hygiene products and uniforms to students through a school-based closet, ensuring access to essential items for health, confidence, and participation. - **Waterloo Junior High School (Waterloo, IL) –** Provide adaptive physical education equipment, including a bowling ramp and adaptive tricycle to support skill development, fitness, and participation for students with special needs. - **Triad Middle School (St. Jacob, IL)** – Enhance literature circle experiences by supplying high-interest books and comfortable seating to engage students in reading. - **Holy Cross Lutheran (Collinsville, IL)** – Supports a student production of “The Lion King,” providing funds for licensing, costumes, and sets to engage 3rd-8th grade students in performing arts. - **Kipp Triumph Academy (St. Louis, MO)** – Empower young Black boys through a mentorship program that fosters personal growth, leadership, and social-emotional development using culturally responsive guidance and community- based activities. - **Granite City High School (Granite City, IL)** – Upgrade and expand survey equipment for high school Geometry and Applied Math classes, enabling students to apply right triangle trigonometry with accurate, hands-on measurement tools. - **Mascoutah School District 19; Scott Elementary School, Mascoutah Elementary School, and Wingate Elementary School (Mascoutah, IL)** – Equips playgrounds with accessible communication boards, enabling students with communication challenges to engage fully with peers and adults during outdoor activities. - **Roxana Senior High School (Roxana, IL)** – Supply durable headphones for ELA classrooms, enabling all students to access audio-based learning and foster equitable participation in literacy activities. - **Edgar Road Elementary School (Webster Groves, MO)** – Install an ADA-accessible playground to provide an inclusive play space that supports physical, social, cognitive, and emotional development for all students, including those with disabilities. - **North County Christian School (Florissant, MO)** – Expands STEAM programs to provide hands-on learning in robotics, music, and other enrichment areas. These programs encourage critical thinking, creativity, collaboration, and prepare students for continued education and future careers. - **St. Jacob Elementary School (St. Jacob, IL)** – Provides a bulletin board and display strips to showcase student artwork and projects, promoting recognition, engagement, and a vibrant, welcoming environment throughout the school. - **Logos School (St. Louis, MO)** – Enable student participation in after-school athletics and field trips by funding activity fees and transportation, ensuring access regardless of economic barriers. - **Edgar Road Elementary (Webster Groves, MO)** – Enhances the school library with diverse titles and functional learning areas. It also provides literacy programming to give students opportunities for reading, exploration, and academic growth. - **Avery Elementary (Webster Groves, MO)** – Equips the school with accessible cafeteria tables and furniture, promoting accessibility and equal opportunities for all students during meals and social activities. - **Highland Primary School (Highland, IL)** – Supplies skill-specific decodable books for Kindergarten students, supporting early readers in developing strong literacy foundations through targeted practice. - **Nelson Elementary School (Edwardsville, IL)** – Establishes a multilingual learning library for PreK-2 students. This provides books in students’ home languages to support literacy development and strengthen English reading skills. - **Collinsville High School (Collinsville, IL)** – Provides classroom incentives to motivate students in credit recovery. This project encourages academic effort, confidence, and grows skills needed to graduation and beyond. - **Edward A. Fulton Jr. High School (O’Fallon, IL)** – Equips science classes with microscopes, allowing students to engage in hands-on learning, practice observation skills, and improve understanding of living organisms across multiple grade levels. - **Lutheran High School South (St. Louis, MO)** – Expand and strengthen the Lancer Intramural League to promote inclusion, leadership, and school spirit across grade levels. Funding provides new branded house shirts, updated equipment for the league, awards, and materials for special events to unify the school community. - **Marissa Junior Senior High (Marissa, IL)** – Provide students with the opportunity to design, build, and race cardboard boats. This activity applies STEAM learning while also building teamwork, problem-solving skills, and creating hands-on learning experiences. - **St. Teresa Catholic School (Belleville, IL)** – Providing new uniforms for 7th and 8th grade team, ensuring proper fit and comfort for all athletes, promoting confidence, school pride, and an equal opportunity to compete. - **Edwardsville District 7: Woodland, Worden, Cassens, and Columbus Elementary Schools (Edwardsville, IL)** – Expands “Think-a-Thon” mornings across all Edwardsville elementary schools by empowering fifth-grade students to lead interactive STEM and logic activities for younger peers, promoting leadership, collaboration, and engaging educational experiences. - **Roxana High School (Roxana, IL)** – Supplies reusable Anatomy in Clay kits to support interactive learning, deepen comprehension of human anatomy, and prepare students for advanced science and healthcare courses. - **Belleville School District 118 (Belleville, IL)** – Funding to support respite care and structured social programs for families impacted by autism. This program promotes inclusion, mental healthcare, and community connection. - **Edwardsville High School (Edwardsville, IL)** – Provides a classroom library, scanner for check-out, and a mobile book cart to support multilingual English learners. - **Belle Valley School (Belleville, IL)** – Provides hands-on STEM experiences through engineering and maker challenges, allowing students to build solar cars, create marble runs, and design prototypes while practicing problem-solving, teamwork, and critical thinking. - **Rohan Woods School (St. Louis, MO)** – Provides K–2 students with access to PebbleGo, a safe, structured digital research platform that supports inquiry, literacy, and project-based learning while encouraging independent, thoughtful, and digitally literate learners. We greatly appreciate all of the schools who submitted applications in 2025. All applications received were for very worthy causes. If you were not selected as a recipient in 2025, we encourage you to apply again in 2026. ## SCU Members Support Credit Union's Foundation Efforts ### **WITH YOUR EVERYDAY SCU DEBIT CARD PURCHASES** Through SCU’s [Blues Checking](/personal-checking/#StL-Blues-Checking) and [EPIC Checking](/personal-checking/#EPIC-checking) accounts, members can support the SCU Community Foundation by simply using their debit card like they normally would. With every debit card purchase, SCU will support the community through a donation to the SCU Community Foundation. We’re excited to provide our members with the opportunity to support our communities. Every year we donate 5% of Blues and Epic interchange income from purchases for the year. Over $100k is donated annually. ## Request Scott Credit Union Event Support ### **GET THE HELP YOU NEED** Scott Credit Union is always looking for new ways to give back to the community. If your group, organization, or event needs support, please contact the Scott Credit Union Community Relations team at (618) 345-1000. Please submit an event request to our Community Relations Team via our [online request form](https://scu.kadince.com/external/forms/972bc8400c5d1392b01503471cd97e20) . Please note that community involvement requests should be sent four weeks prior to your event. We thank you in advance for your cooperation and understanding. [Request Event Support](https://scu.kadince.com/external/forms/972bc8400c5d1392b01503471cd97e20) \*The **SCU Community Foundation** is an entity that is completely separate from Scott Credit Union. Proceeds raised by the SCU Community Foundation are donated back into our local communities. --- ### [Credit Cards](https://www.scu.org/credit-cards/) **Published:** February 15, 2023 **Author:** Chelsea Rogers **Content:** # Credit Cards at Scott Credit Union ### Credit Cards With Low Rates, Rewards, and No Annual Fee ## Low-Rate Credit Cards With No Annual Fee From Scott Credit Union Whether you’re looking to earn rewards, transfer a balance, build credit, or cheer on the St. Louis Blues, Scott Credit Union offers Mastercard® credit cards designed to fit your financial goals. Scott Credit Union offers credit cards with low rates, rewards, modern digital banking tools, and local service—all without an annual fee. **Scott Credit Union Credit Card Benefits** - No annual fee - Competitive interest rates - Mastercard® worldwide acceptance - Contactless payments - Digital wallet compatibility - Fraud monitoring and security tools - Manage your account with SCU Digital Banking [Apply Now](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Compare SCU Credit Cards](#compare) ![making payment with credit card](https://www.scu.org/wp-content/uploads/2026/08/Frame-3.png "Frame 3 - Scott Credit Union") ## Find the Best Credit Card for Your Wallet ![Mastercard Cards Platinum World Rewards CC](https://www.scu.org/wp-content/uploads/2026/07/Mastercard-Cards_Platinum-World-Rewards-CC.png "Mastercard Cards Platinum World Rewards CC - Scott Credit Union") ### **Scott Credit Union Platinum World Rewards Mastercard®** ![2x points at home & abroad icon](https://www.scu.org/wp-content/uploads/2026/07/2x-points-at-home-abroad-150x150.png "2x points at home & abroad - Scott Credit Union")#### *Best for Earning 2X Points at Home & Abroad* Maximize every dollar with SCU’s Platinum World Rewards Mastercard. Designed for frequent travelers, you’ll enjoy global acceptance, 2X points on everyday purchases, 3X points on travel, and 2X points on gas and tickets, making it easy to rack up rewards wherever you spend. [Get Pre-Approved](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) ![Mastercard Cards Platinum Rewards CC](https://www.scu.org/wp-content/uploads/2026/07/Mastercard-Cards_Platinum-Rewards-CC.png "Mastercard Cards Platinum Rewards CC - Scott Credit Union") ### **Scott Credit Union Platinum Rewards Mastercard®** ![2x points at home & abroad icon](https://www.scu.org/wp-content/uploads/2026/07/earning-rewards-150x150.png "2x points at home & abroad - Scott Credit Union")#### *Best for Earning Rewards* Upgrade your wallet with the best rewards credit card for everyday purchases! SCU’s Platinum Rewards Mastercard is a low-rate points credit card with no annual fee. Earn rewards on gas, groceries, and everyday spending, then easily redeem your points for travel, gift cards, merchandise, and more through the ScoreCard® Rewards. [Get Pre-Approved](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Learn More](#rewards) ![Mastercard Cards STL Blues CC](https://www.scu.org/wp-content/uploads/2026/07/Mastercard-Cards_STL-Blues-CC.png "Mastercard Cards STL Blues CC - Scott Credit Union") ### **Scott Credit Union St. Louis Blues Mastercard®** ![2x points at home & abroad icon](https://www.scu.org/wp-content/uploads/2026/07/stl-blues-fans-icon-150x150.png "2x points at home & abroad - Scott Credit Union")#### *Best for St. Louis Blues Fans* Show your team pride everywhere you shop with the exclusive St. Louis Blues Mastercard! Earn 2X points on most purchases at Enterprise Center and save 10% on merchandise at the STL Authentics Team Store. Plus, receive 25% off the day after the Blues win! In-store only. Not valid online. [Get Pre-Approved](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [Learn More](https://www.scu.org/blues/) ![Mastercard Cards Platinum CC](https://www.scu.org/wp-content/uploads/2026/07/Mastercard-Cards_Platinum-CC.png "Mastercard Cards Platinum CC - Scott Credit Union") ### **Scott Credit Union Platinum Mastercard®** ![2x points at home & abroad icon](https://www.scu.org/wp-content/uploads/2026/07/low-apr.png "2x points at home & abroad - Scott Credit Union")#### *Best for Low APR & Everday Spending* Keep your payments manageable with SCU’s Platinum Mastercard, our best low interest credit card for everyday use. This card features our lowest competitive APR, no annual fee, and global Mastercard acceptance, making it a dependable choice for shopping, dining, and daily expenses. [Get Pre-Approved](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) ![Mastercard Cards Select CC](https://www.scu.org/wp-content/uploads/2026/07/Mastercard-Cards_Select-CC.png "Mastercard Cards Select CC - Scott Credit Union") ### **Scott Credit Union Select Mastercard®** ![2x points at home & abroad icon](https://www.scu.org/wp-content/uploads/2026/07/building-credit.png "2x points at home & abroad - Scott Credit Union")#### *Best for Credit Building* SCU’s Select Mastercard is best for members establishing or rebuilding credit. With responsible use, it can help you build a positive credit history while enjoying the convenience of a Mastercard credit card. [View Benefits](#compare) [Get Pre-Approved](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) Compare Credit CardsFind the Scott Credit Union Mastercard that’s right for you by comparing features, rewards, introductory offers, and benefits. \[table id=30 /\] 1 APR = 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. 2 Select Mastercard Credit Card requires a refundable security deposit equal to desired credit limit. Example: $500 deposit required for $500 credit limit. 3 Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. ## Ready to Find the Right Credit Card? Whether you’re earning rewards, building credit, or looking for a low-rate credit card, Scott Credit Union has a Mastercard designed for you. [Open a Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) ## Earn Rewards on Everyday Purchases Earn points on every eligible purchase with your SCU Platinum World, Platinum Rewards, or Blues Mastercard. With ScoreCard® Rewards, you can redeem points for: - Travel - Gift cards - Merchandise - Experiences - And more Whether you’re filling up your gas tank, grocery shopping, or planning your next vacation, your everyday spending can help you earn valuable rewards. [Learn More About ScoreCard Rewards](https://www.scorecardrewards.com/home/) ![Booking Travel with credit card](https://www.scu.org/wp-content/uploads/2026/08/Frame-1.png "Frame 1 - Scott Credit Union") ## Save Money With a Balance Transfer Carrying a balance on a higher-interest credit card? Scott Credit Union offers promotional balance transfer opportunities on select credit cards that can help you save on interest while paying down existing balances faster. Compare our current introductory offers to see which credit card best fits your financial goals. [View Current Rates](/rates/#credit-card-rates) ![smiling while holding credit card](https://www.scu.org/wp-content/uploads/2026/08/Frame-2.png "Frame 2 - Scott Credit Union") ## Frequently Asked Questions About SCU Credit Cards Which SCU credit card is right for me?Scott Credit Union offers Mastercard® credit cards designed to fit a variety of financial goals.Whether you’re looking for a low-rate everyday card, rewards on purchases, travel benefits, acard to build credit, or a St. Louis Blues Mastercard®, you’ll find an option that fits your needs.Compare our credit cards above to find the right one for your wallet. Does every SCU credit card have an annual fee?No. Scott Credit Union credit cards have no annual fee, so you can enjoy the benefits of your card without paying an annual membership fee. Which SCU credit card earns rewards?The **Platinum Rewards Mastercard®**, **Platinum World Rewards Mastercard®**, and **St. Louis Blues Mastercard®** earn rewards on eligible purchases. Points can be redeemed for travel, merchandise, gift cards, and more. See individual card details for eligibility and rewards information. Which SCU credit card is best for travel?The **Platinum World Rewards Mastercard®** is designed for members who travel frequently and want enhanced rewards along with the worldwide acceptance of Mastercard®. Which SCU credit card is best for building credit?The **Select Mastercard®** is designed for members who are establishing or rebuilding their credit. Responsible use, including making payments on time and keeping balances manageable, can help you build a positive credit history. Can I transfer a balance?Yes. Select Scott Credit Union credit cards offer promotional balance transfer opportunities that can help you consolidate higher-interest credit card balances. Review current promotional offers or contact Scott Credit Union for complete eligibility and terms. How do balance transfers work?A balance transfer moves an existing balance from another eligible credit card to your Scott Credit Union credit card. During promotional periods, qualifying balance transfers may receive a special introductory APR, helping you save on interest while paying down debt. Can I use my Mastercard® internationally?Yes. Scott Credit Union Mastercard® credit cards are accepted at millions of merchants worldwide wherever Mastercard® is accepted, making them a convenient payment option whether you’re shopping close to home or traveling abroad. Can I add my credit card to Apple Pay®, Google Pay™, or Samsung Pay™?Yes. Scott Credit Union Mastercard® credit cards are compatible with Apple Pay®, Google Pay™, and Samsung Pay™, allowing you to make fast, secure, contactless purchases using your mobile device. How do I earn ScoreCard® Rewards?Eligible purchases made with qualifying Scott Credit Union rewards credit cards earn ScoreCard® Rewards points. Points accumulate automatically as you make eligible purchases. [Learn more](https://www.scorecardrewards.com/home/) How do I redeem my rewards?ScoreCard® Rewards points can be redeemed for a variety of rewards, including travel, gift cards, merchandise, and more through the ScoreCard® Rewards program. [Learn more](https://www.scorecardrewards.com/home/) How do I report a lost or stolen credit card?If your Scott Credit Union credit card is lost or stolen, contact us immediately so we can help protect your account, prevent unauthorized transactions, and issue a replacement card. Call (800) 754-4128 to report a lost or stolen credit card. How do I make a credit card payment?You can make a payment through [SCU Digital Banking](https://www.scu.org/digital-banking/) using your Scott Credit Union checking or savings account or an account at another financial institution. Payments can also be made using the options outlined in your credit card account information. Can I manage my credit card in SCU Digital Banking?Yes. [SCU Digital Banking](https://www.scu.org/digital-banking/) lets you manage your credit card anytime by viewing transactions, checking balances, making payments, reviewing statements, and accessing other account management tools from your computer or mobile device. How do I apply for an SCU credit card?You can apply online by selecting **Get Pre-Approved** or **Apply Now** on the credit card that’s right for you. If you’re not already a Scott Credit Union member, you’ll also complete the membership application as part of the process. What credit score do I need to qualify for an SCU credit card?Approval is based on several factors, including your credit history, income, and overall financial profile. Because every application is evaluated individually, there isn’t a single minimum credit score required for all Scott Credit Union credit cards. What is the difference between a credit card and a debit card?A debit card uses money directly from your checking account, while a credit card allows you to borrow up to an approved credit limit and repay the balance over time. Using a credit card responsibly can also help you establish or build your credit history. --- ### [Vehicle Loans](https://www.scu.org/vehicle-loans/) **Published:** February 15, 2023 **Author:** Chelsea Rogers **Content:** # Vehicle Loans from SCU ### Get pre-approved for low-rate auto loans from your local Scott Credit Union or trusted car dealer. [Get Started ](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) ## SCU Vehicle Loans Whether you want to get pre-approved or apply for financing at the dealership, Scott Credit Union will work with you to find the right loan with the best interest rate and terms for you. Fast approval process Flexible terms up to 84 months 100% financing for qualified borrowers Convenient indirect dealer lending partners [Get a Vehicle Loan](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) ![Person holding Steering wheel driving on the highway.](https://www.scu.org/wp-content/uploads/2023/04/vehicle-loans-SCU-Vehicle-Loans-image.jpg "- Scott Credit Union") ## Get Pre-Approved When you get a pre-approval, dealers know that you’re a serious buyer. Plus, you know you have great, low-rate financing from SCU. [Get a Vehicle Loan](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) ### Auto Loans #### [View Loan Terms for Autos](#collapse854990750) \[table id=9 /\] ## Low Rate Auto Loans for More Than Just Cars If you’re looking for financing for your next motorcycle, RV, boat, or other vehicle, Scott Credit Union vehicle loans can help with that, too. Find rates and terms for your next vehicle purchase by model year using the tabs below. Then, start your Scott Credit Union auto loan application to finance your purchase. ![Family sitting in front of RV.](https://www.scu.org/wp-content/uploads/2023/03/Low-Rate-Auto-vehicle-loans-Loans-for-More-Than-Just-Cars-635x380.jpg) ### Motorcycles, Motorsports & ATVs #### [View Loan Terms for Motorcycles](#collapse343336036) \[table id=31 /\] #### [View Loan Terms for Motorsports & ATVs](#collapse818361528) \[table id=8 /\] ### Boats, Campers, & RVs #### [View Loan Terms for Boats, Campers, & RVs](#collapse1872627374) \[table id=10 /\] [Get a Vehicle Loan](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) ## Calculate Your Loan Payment [Calculate My Car Payment](/auto-loan-calculator/) [Compare Payments and Terms](/rates/#vehicle-loan-terms) [View All Loan Calculators](/calculators/#auto-rebate-vs-low-interest-financing) ![Person using a calculator](https://www.scu.org/wp-content/uploads/2023/03/vehicle-loans-Calculate-Your-Loan-Payment-635x300.jpg) ## Looking for more ways to pay? SCU offers a convenient, once annually Skip-A-Pay option on your loan! [Learn More About Skip-A-Pay](https://www.scu.org/loans/#loan-payment) ## Loan Documents Once your application has been approved, you may need to complete one of the forms listed below. Your SCU representative can direct you to the appropriate document. Please find links to download your application documents below: [Illinois Affirmation of Correction – One in the Same](https://www.scu.org/wp-content/uploads/2025/04/IL-Affirmation-of-Correction-One-in-the-Same.pdf) [Illinois Affirmation of Correction – Remove Joint Owner](https://www.scu.org/wp-content/uploads/2025/04/IL-Affirmation-of-Correction-Remove-Joint-Owner.pdf) [Illinois Boat Power of Attorney](https://www.scu.org/wp-content/uploads/2025/04/IL-Boat-POA.pdf) [Illinois Secretary of State Power of Attorney](https://www.scu.org/wp-content/uploads/2025/04/IL-SOS-POA.pdf) [Missouri General Affidavit – One in the Same](https://www.scu.org/documents/MO-General-Affidavit-One-in-the-Same.pdf) [Missouri General Affidavit – Remove Joint Owner](https://www.scu.org/documents/MO-General-Affidavit-Remove-Joint-Owner.pdf) After completion, please upload your lending documents through the link below. [Upload Lending Documents Here](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=scottcu072120) ## Mechanical Repair Coverage Vehicle Warranty Whether you depend on your vehicle for work or getting your family to school and activities, you need transportation that’s safe and reliable. The older your vehicle, the more likely there will be a breakdown. The cost of those breakdowns increases as the vehicle gets older. Not making small repairs can lead to even more expensive repairs. Ignoring repairs can be dangerous. Mechanical Repair Coverage (MRC) can help deflect some of those costly covered repairs while keeping your vehicle running extra miles and extra years. With various coverage levels and deductibles to choose from, there’s a plan to fit your family’s budget. Contact us to learn more about our coverage options. ![Mechanic working on a Vehicle](https://www.scu.org/wp-content/uploads/2023/03/vehicle-loans-Mechanical-Repair-Coverage-Vehicle-Warranty.jpg "- Scott Credit Union") *Disclosure: Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License#175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.* *The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured of like kind and quality.* ## Guaranteed Asset Protection (GAP) with Deductible Assistance Your auto insurance may not cover the entire loan balance owed for a wrecked vehicle. That’s where Guaranteed Asset Protection (GAP) can provide peace of mind. GAP may reduce or even eliminate that insurance pay-out shortfall in the event your vehicle is deemed a total loss. GAP with Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe. Fair market insurance value isn’t always fair. There may be a gap. Protect your vehicle loan—purchase GAP with Deductible Assistance today! ![Chart explaining Gap Insurance on an Auto Loan.](https://www.scu.org/wp-content/uploads/2023/04/GAP-3414653_Chart-1-630x480.jpg) *Disclosure: Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to our loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid.* ## The Credit Union Loan Solutions FOR ALL OF LIFE’S MILESTONES Contact the SCU consumer lending team to discuss your needs and get one-on-one help finding the credit union loan solution that is right for you. Scott Credit Union is with you, and your family, to help you continue to make smart borrowing choices and build a healthy financial future. [Get a Vehicle Loan](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) --- ### [Mortgage](https://www.scu.org/mortgage/) **Published:** February 14, 2023 **Author:** Chelsea Rogers **Content:** # Apply for a Scott Credit Union Mortgage Competitive rates from a local credit union you trust ### When you finance your home through Scott Credit Union, you get more than just great rates and terms. You also get a mortgage lending team to help guide you through the application and closing process. [Get Started](#connect) [Homebuyer Seminars](/mortgage/#Homebuyer-seminars) [Make a Loan Payment](https://www.scu.org/loans/#loan-payment) ## Scott Credit Union Mortgage Services We work to take the financial stress out of buying a home, building a home, or refinancing your existing home loan, and we’re with you every step of the way. Our Mortgage Loan Originators help simplify the home loan process so you can focus on what really matters. ![Family moving into new house](https://www.scu.org/wp-content/uploads/2026/04/Mortgage-Images-1-scaled-600x400.png "Mortgage Images 1") **Get Pre-Approved Today! The Scott Credit Union pre-approval process gives you quick access to all our mortgage services and member benefits:** - Mortgage Team with Decades of Mortgage Lending Experience - In-House Servicing\* - Efficient processing from application to closing - Programs with up to 100% Financing\*\* - Fixed Rate and Adjustable-Rate Programs [Apply Online](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Mortgage Rates Calculator](https://mortgage.scu.org/Rates.html) \*FHA and VA loans are not serviced in-house. \*\*Up to 100% financing available for qualified borrowers. Credit and program eligibility requirements apply. ## NEW: Community Heroes Mortgage Program ***Affordable Home Loans for Teachers, First Responders, Healthcare Workers, & Military*** Helping community heroes achieve homeownership with flexible, low down payment mortgage options. At Scott Credit Union, we’re proud to support the local heroes who serve and live in Metro St. Louis, Metro Chicago, and throughout Illinois. This program is designed to make buying a home more accessible with reduced upfront costs and flexible financing. **Program Benefits:** - Up to 99% financing for qualified buyers, terms & conditions apply - No minimum borrower contribution required for qualified borrowers; other funding sources may be required - Flexible down payment options **Who Qualifies\*:** - Educators (teachers and school staff) - Healthcare workers (nurses, EMTs, paramedics, medical professionals) - First responders (police, firefighters, public safety) - Military (active duty, veterans, retired) [Apply Now](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Learn More](#connect) ![community hero giving her hat to child](https://www.scu.org/wp-content/uploads/2026/04/Frame-12.png "Frame 12 - Scott Credit Union") \*Proof 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 Mortgage Program. ***Scott Credit Union Membership Required, Eligibility Applies. All loans subject to credit approval. Terms and conditions apply.*** ## Community Hero Frequently Asked Questions You might have some questions, and we’re here to assist you! See common questions below: Who qualifies for the Community Heroes Mortgage Program?This program is dedicated to the professionals who serve our communities, including educators, healthcare workers, first responders (police and fire), and active-duty or veteran military members. What specific benefits do "Heroes" receive compared to a standard loan?The Community Heroes Mortgage offers specialized perks, such as no minimum borrower contribution and competitive interest rates, to help local heroes save more on their home purchase. Are there specific professions included, like nurses or firefighters?Yes! We proudly support a wide range of roles, including nurses, doctors, school teachers, administrators, and military. Can I use this program if I am a first-time homebuyer?Absolutely. 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. Contact a Mortgage Loan Pro to Get Started [Contact Us](https://www.scu.org/contact/ "Contact SCU") [### Call (618) 632-1111 ](tel:+618-632-1111) [### Email Us MLO@scu.org ](mailto:%20mlo@scu.org) Connect with your personal Mortgage Loan Originator today! We’re proud to announce a 100% financing option at Scott Credit Union. We can now make it easy for you to purchase a home of your own with no down payment. Select and contact your personal Mortgage Loan Originator to learn more today. We’re here to answer your questions, each step of the way. ![Jay Vasquez](https://www.scu.org/wp-content/uploads/2026/08/Jay-Vasquez-300x400.png "Jay Vasquez") Jay Vasquez Mortgage Sales Manager – Metro IL & St. Louis **Email:** jay.vasquez@scu.org **NMLS #**1296039 [Learn More](https://www.scu.org/jay-vasquez-mortgage-sales-manager/ "Jay Vasquez – Mortgage Loan Manager") [Apply With Jay](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=jvasquez&workFlowId=80299) ![Marc Falk Headshot](https://www.scu.org/wp-content/uploads/2026/06/Marc-Headshot-300x400.png "Marc Headshot") Marc Falk Mortgage Sales Manager – Northern Illinois **Email:** Marc.Falk@scu.org **NMLS #**405763 [Learn More](https://www.scu.org/marc-falk-mortgage-sales-manager/ "Mark Falc – Mortgage Loan Manager") [Apply With Marc](https://idp.elliemae.com/authorize?site_id=6916104585&response_type=code&redirect_uri=https%3A%2F%2Fmortgage.scu.org%2Fborrower-app%2Flogin%2F%3Flar%3Dmfalk%26workFlowId%3D80299%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D6916104585&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11178158&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2Fb3368ffd-f7dd-42d5-af30-5b28b8a578c5&logo_alt_text=Logo&bust=708&apiBaseUrl=https://api.elliemae.com) ![MLO](https://www.scu.org/wp-content/uploads/2024/10/MLO-300x400.png "MLO") Andrea Thompson Mortgage Loan Originator **Cell Phone:** (618) 292-9798 **Email:** andrea.thompson@scu.org **NMLS #**1484316 [Apply With Andrea](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=athompson&workFlowId=80299) [Learn More](https://www.scu.org/andrea-thompson-home-loan-advisor) ![SCU Harris Donna](https://www.scu.org/wp-content/uploads/2023/03/SCU-Harris-Donna-300x400.png "SCU Harris Donna") Donna Harris Mortgage Loan Originator **Cell Phone:** (314) 761-8896 **Email:** Donna.Harris@scu.org **NMLS #**915267 [Apply With Donna](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=dharris&workFlowId=80299) [Learn More](https://www.scu.org/donna-harris-home-loan-advisor/) ![Greg Bridgman](https://www.scu.org/wp-content/uploads/2024/11/Greg-Bridgman-300x400.png "Greg Bridgman") Greg Bridgman Mortgage Loan Originator **Cell Phone:** (618) 830-7711 **Email:** greg.bridgman@scu.org **NMLS #**675488 [Apply With Greg](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=gbridgman&workFlowId=80299) [Learn More](https://www.scu.org/greg-bridgman-home-loan-advisor/) ![Pamela Kisembo Edits](https://www.scu.org/wp-content/uploads/2026/08/Pamela-Kisembo-Edits-300x400.png "Pamela Kisembo Edits") Pamela Kisembo Mortgage Loan Originator **Cell Phone:** (618) 659-7216 **Email:** Pamela.Kisembo@scu.org **NMLS #**2627381 [Apply With Pamela](https://idp.elliemae.com/authorize?site_id=6916104585&response_type=code&redirect_uri=https%3A%2F%2Fmortgage.scu.org%2Fborrower-app%2Flogin%2F%3Flar%3Dpkisembo%26workFlowId%3D80299%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D6916104585&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11178158&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2Fb3368ffd-f7dd-42d5-af30-5b28b8a578c5&logo_alt_text=Logo&bust=102&apiBaseUrl=https://api.elliemae.com) [Learn More](https://www.scu.org/pamela-kisembo-mortgage-loan-originator) ![SCU Tony Bakalar MLO](https://www.scu.org/wp-content/uploads/2023/05/Untitled-design-7-300x400.jpg "SCU Tony Bakalar MLO") Anthony "Tony" Bakalar Mortgage Loan Originator **Cell Phone:** (314) 503-7531 **Email:** Tony.Bakalar@scu.org **NMLS #**228088 [Apply With Tony](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=tbakalar&workFlowId=80299) [Learn More](https://www.scu.org/tony-bakalar-home-loan-advisor/) ![Stephanie Headshot](https://www.scu.org/wp-content/uploads/2026/08/Stephanie-Headshot-300x400.png "Stephanie Headshot") Stephanie Ankrom Mortgage Loan Originator **Cell Phone:** (618) 420-3217 **Email:** stephanie.ankrom@scu.org **NMLS #**2729593 [Apply With Stephanie](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=sankrom&workFlowId=80299) [Learn More](https://www.scu.org/stephanie-ankrom-mortgage-loan-officer/ "Stephanie Ankrom – Mortgage Loan Officer") ![_SCU Tricia Newton](https://www.scu.org/wp-content/uploads/2023/03/SCU-Tricia-Newton-300x400.png "_SCU Tricia Newton") Tricia Newton Mortgage Loan Originator **Cell Phone:** (618) 567-0288 **Email:** Tricia.Newton@scu.org **NMLS #**502425 [Apply With Tricia](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=tnewton&workFlowId=80299) [Learn More](https://www.scu.org/tricia-newton-home-loan-advisor/) NMLS REGISTERED REPRESENTATIVES #### [Click here to find our current list of NMLS Registered Representatives](#collapse935595520) \[table id=27 /\] Scott Credit Union Mortgage Loans Scott Credit Union has a full service mortgage department and offers a wide range of products. Choose your mortgage loan below, then use the Scott Credit Union loan calculator to determine your ideal monthly payment. ![Frame 14](https://www.scu.org/wp-content/uploads/2026/04/Frame-14.png) ### Welcome Home 100 It is not uncommon for our members to say they want to purchase a home, but they may not have the required down payment, or they fear draining their savings knowing they may have those unexpected expenses. We heard your concerns and are proud to offer a 100% mortgage financing option for qualified buyers. This program gives buyers the ability to purchase a home with zero down payment. ### VA Loan We take pride in our military history and are proud to offer VA Loans to help our military members become homeowners. When you take out a VA Loan, a portion is guaranteed by the VA. This allows a veteran to have little or no down-payment as well as receive lower interest rates than other types of home loans. ### Fixed Rate Loan Whether you are interested in a first mortgage or a second mortgage, fixed rate loans offer the comfort and security that your rate will never change. ### Jumbo Loan Jumbo loans can help turn big dreams into a dream home. Eligible properties include primary and secondary single family homes, and warrantable condominiums. ### Single Close Construction Loan If you are looking to build, our single close construction loan is a great option with interest only payments during construction. This can be used for a primary or secondary residence, and has a long term rate lock offered for up to 9 months. ### FHA Loan Government insured Federal Housing Administration (FHA) loans allow our members to purchase a home with a low down payment and limited credit history. FHA loans can be used to purchase or refinance owner occupied 1-4 unit homes and condominiums. ### Professional Loan A mortgage loan option crafted exclusively for medical professionals, chiropractors, and attorneys. Unlock tailored financing solutions designed to align with your unique financial needs and career trajectory. Secure your path to homeownership with specialized terms for you! ### Lot Loan Purchase a lot for the new home you’ll build within 3 years. Lot loans through SCU require a 25% down payment and carry a 3-year loan term and payments amortized over 15 years. ### Adjustable-Rate Loan Explore flexibility with our Adjustable-Rate Mortgage (ARM) loans. Experience dynamic interest rates that adapt to market changes, providing potential cost savings. Perfect for those anticipating financial shifts or short-term homeownership goals. ### HomeReady, HomePossible Loan A loan that can help you get a jump-start on the mortgage process and overcome financial barriers. Down payments as low as 3%\* and cancellable mortgage insurance\*\* plus, low-income borrowers may qualify for a $2,500 grant.\*\*\* ![Frame 13](https://www.scu.org/wp-content/uploads/2026/04/Frame-13.png) ### Community Heroes Loan Home loans with up to 99% financing and flexible down payment options for those who serve our community. Available for educators, healthcare workers, first responders, and military members. [Calculators](https://mortgage.scu.org/Calculators.html) [Mortgage Rates](https://mortgage.scu.org/Rates.html) [Apply Online](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Learn More](#schedule-loan-appointment) \*97% LTV can use any fixed-rate terms (10-, 15-, 20-, 30-year) \*\*Restrictions apply. \*\*\*Borrowers with a qualifying income of less than or equal to 50% of the applicable area median income (AMI) of the subject property’s location are eligible. Do you have a question about your existing SCU mortgage loan? [Make a Loan Payment](https://www.scu.org/loans/#loan-payment) [### Call (618) 632-1111 Option 3 ](tel:+618-632-1111) [### Email Us mortgageloanservicing@scu.org ](mailto:%20mortgageservicing@scu.org) Home Equity Loan A home equity loan allows you to get cash out based on the equity you’ve paid into your home. With this fixed rate second mortgage, you can access the equity without refinancing your existing first mortgage. [Calculate My Payment](https://mortgage.scu.org/PaymentAmortization.html) [Apply Online](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Learn More](#schedule-loan-appointment) ![mortgage page Home Equity Loan image](https://www.scu.org/wp-content/uploads/2023/04/mortgage-page-Home-Equity-Loan-635x400.jpg "mortgage page Home Equity Loan image") Looking for a **HELOC** (Home Equity Line of Credit)? [Learn About HELOC](/loans/#home-equity-line-of-credit) ## Homebuyer Seminars ![leader calling on attendees](https://www.scu.org/wp-content/uploads/2026/04/Frame-11-600x600.png "Frame 11") Supporting homebuyers across Metro St. Louis, Metro Chicago, and Illinois. If you’re dreaming of your first or next home, our seminars are here to guide you through the journey from pre-approval to closing. **Join us to learn about:** - What an origination fee is and how it works - How to determine how much home you can afford - Understanding credit scores and their impact - What documents you need to apply for a mortgage - Down payment requirements - Different types of mortgage loans - Other costs to consider when buying a home Plus: Attend a seminar and receive a $500 Lender Credit toward closing costs when you apply for a home loan with Scott Credit Union by December 31, 2026.\* Check out upcoming seminar dates below and sign up today to take the first step toward owning your dream home! ### Upcoming Seminars **There are no upcoming seminars at this time. Please check back later!** **Saturday, May 9, 2026** 9:00 AM-11:00 AM CT RE/MAX Alliance 1099 Beltline Rd, Suite M Collinsville, IL 62234 [Click Here to Register](https://www.scu.org/may-9-2026-homebuyer-seminar/) \*Discount will appear as a Lender Credit on the closing disclosure. \*\*Excludes construction loans and lot loans. Scott Credit Union NMLS #415767. ###### Consumer Access Website: [www.nmlsconsumeraccess.org](http://www.nmlsconsumeraccess.org) Please check back here for upcoming seminars. \*Discount will appear as a Lender Credit on the closing disclosure. \*\*Excludes construction loans and lot loans. Scott Credit Union NMLS #415767. ###### Consumer Access Website: [www.nmlsconsumeraccess.org](http://www.nmlsconsumeraccess.org) ## Connect with the Pros Schedule a Home Loan Appointment Interested In? \* Build a HomeBuy a HomeRefinance a HomeHome Equity Loan Select what you would like to discuss at your appointment Full Name \* ZIP Code of Property (if applicable) Enter the ZIP code of the property in the box above. How Did You Hear About Us? Preferred Contact Method PhoneE-mail Phone Number Email Address Preferred Day of the Week Preferred Time of Day 910111212345 : 000102030405060708091011121314151617181920212223242526272829303132333435363738394041424344454647484950515253545556575859 AMPM E.g. Morning, Early Afternoon, Late Afternoon Submit If you are human, leave this field blank. Δ ## Our Partners Scott Credit Union has made substantial investments in personnel, technology, and training in order to provide our members, realtors, and developers the best and most efficient service possible. Our experienced mortgage team originates, processes, and closes loans in a timely and professional manner. In addition to providing members with the best possible service and product, we also understand the needs of local realtors and developers. We work to maintain professional relationships that are mutually rewarding. ![chicago-association-of-realtors](https://www.scu.org/wp-content/uploads/2023/03/chicago-association-of-realtors.png "chicago-association-of-realtors - Scott Credit Union") ![hbr-mea logo](https://www.scu.org/wp-content/uploads/2023/03/hbr-mea-logo.jpg "hbr-mea logo - Scott Credit Union") ![HBA-STL logo](https://www.scu.org/wp-content/uploads/2023/03/HBA-STL-logo.jpg "HBA-STL logo - Scott Credit Union") ![mainstreet-logo](https://www.scu.org/wp-content/uploads/2023/03/mainstreet-logo.png "mainstreet-logo") ![Southern Illinois Realtors logo](https://www.scu.org/wp-content/uploads/2023/03/Southern-Illinois-Realtors-logo.jpg "Southern Illinois Realtors logo - Scott Credit Union") ![st louis association of realtors logo](https://www.scu.org/wp-content/uploads/2023/02/st-louis-association-of-realtors-logo.jpeg "st louis association of realtors logo - Scott Credit Union") Chicago Area Realtors 430 North Michigan Ave. Suite 800 Chicago, IL 60611 [Chicago Area Realtors](https://chicagorealtor.com/) HBA of Greater Southwest Illinois 6100 W. Main St., Maryville, IL 62062 [Home Builders Association](https://business.springfieldareahba.com/list/member/home-builders-association-of-greater-southwest-illinois-2286) HBA of St. Louis and Eastern Missouri 10104 Old Olive Street Road, St. Louis, MO 63141 [Home Builders Associaiton](https://www.stlhba.com/) Mainstreet Realtors Association 6655 Main St, Downers Grove, IL 60516 [Mainstreet Realtors Association](https://www.succeedwithmore.com/) Southwestern Illinois Board of Realtors 1124 Hartman Lane, Shiloh, IL 62221 [Southwestern IL Board of Realtors](https://sibrealtors.com/) St. Louis Association of Realtors 12777 Olive Boulevard, St. Louis, MO 63141 [St. Louis Association](https://www.stlrealtors.com) ***Please Note:** When you click any of the links below, you are leaving our website to visit a site operated by a third party. Please be aware that Scott Credit Union does not provide and is not responsible for the content, security, privacy policies, downloads, or any product or service on any external third-party site.* ## Mortgage Frequently Asked Questions You might have some questions, and we’re here to assist you! See common questions below: Where can I apply for a mortgage?Scott Credit Union provides home loan and refinance solutions to residents throughout Metro St. Louis, Metro Chicago, and Illinois. You can apply online or visit any of our local branches. How do I start the pre-approval process with Scott Credit Union?You can start your pre-approval online through our secure portal or schedule a consultation with one of our Mortgage Loan Originators to discuss your goals. What documents will I need for a mortgage application?Typically, you will need proof of income (pay stubs and W-2s), bank statements, and tax returns. Our team provides a full checklist to simplify the process for you. Do you offer mortgage refinancing for current homeowners?Yes, we offer a variety of refinancing options to help you lower your monthly payment, change your loan term, or tap into your home’s equity. **Don’t see your question? Contact us, we’re happy to help!** [Contact Us](https://www.scu.org/contact/ "Contact SCU") --- ### [An Enhanced Digital Banking Experience](https://www.scu.org/digital-banking/) **Published:** October 30, 2024 **Author:** Erin Castellano **Content:** ## Scott Credit Union Digital Banking Designed with you in mind, this enhanced platform offers a more intuitive and elevated user experience that is focused on your banking needs. Manage your finances faster and more securely than ever, whether you’re on your computer or mobile device. Use the link below to help you navigate and get the most out of your digital banking experience: [Digital Banking User Guide](https://flipbookpdf.net/web/site/4ad780d05bce494e22431572ae623358744559bbFBP41506952.pdf.html) ![Scott Credit Union Mobile App Example](https://www.scu.org/wp-content/uploads/2024/10/Blues-Kids-Club-Student-Debit-Ad-300x300.png "Blues Kids Club Student Debit Ad - Scott Credit Union") ## Download the Scott Credit Union Mobile App The SCU Digital Banking app lets you check account balances, transfer funds, deposit checks, and more, all from a convenient smartphone app for iOS and Android. **Be sure to search “Scott Credit Union” in the app store and look for the icon shown below.** [![SCU App icon](https://www.scu.org/wp-content/uploads/2024/08/Thumbnail-150x150.png "App icon - Scott Credit Union")](https://apps.apple.com/us/app/id1513405754) SCU Mobile App Icon [![Google Play store download button](https://www.scu.org/wp-content/uploads/2023/01/Google-Play-store-download-button.png "Google Play store download button - Scott Credit Union")](https://play.google.com/store/apps/details?id=com.scottcu.scottcu) [![App store download button](https://www.scu.org/wp-content/uploads/2023/01/App-store-download-button.png "App store download button - Scott Credit Union")](https://apps.apple.com/us/app/id1513405754) Your mobile service provider may charge Internet access fees. Web access is needed for SCU Mobile. Check with your service provider for details on specific fees and charges for mobile internet access. ## Manage Your Money and Card Controls With SCU Digital Banking Watch how to activate a new card, manage card controls, link to Apple or Google Wallet, and set real-time transaction alerts in just a few taps. ## App Features ### Personalized profile & security settings ### Secure money transfers: member to member & to and from an external FI account ### Send messages ### Manage alerts ### Gain insights into your accounts and balances ### Bill pay ### Grow financial wellness ### Quicken/QuickBooks file downloads ## Get the Most Out of Your Banking Experience ### Set up direct deposit with SCU ### Create a savings goal ### Use secure in-app messaging between you and SCU ### Opt in to notifications and alerts ### Enroll in multi-factor authentication for improved security measures ### Easily make payments and transfers with industry-leading money movement capabilities ### Take the FinHealth survey to better understand your goals for spending, saving, borrowing, and planning ## E-Statements When you choose to receive e-statements instead of mailed paper statements, you receive an email notification from us when your statements are available. You can then log in to your SCU Digital Banking account to view your statement. ### **Benefits of E-Statements Include:** Immediate access to current and previous monthly statements, without waiting for mail to arrive Reduced paper waste Avoid a $2 monthly paper statement fee\* Easy-to-use paper statement layout Search, zoom, and download functionality via our secure platform ![online service: eStatements image](https://www.scu.org/wp-content/uploads/2023/03/eStatements-500x250.jpg "online service: eStatements image") \*There is a $2.00 monthly paper statement fee for members with checking accounts, excluding Classic Club and Student Debit. This fee can be avoided by enrolling in e-statements. ### **To Enroll in E-statements:** - Log in to your SCU Digital Banking account - In the navigation menu, find the **Tools & Services** section and click on **eDocuments** - Click **Settings** and choose **Subscribe** - Agree to the **terms** and **click Subscribe** again Once you have enrolled, each month you will receive an email notification that your SCU e-statement is available inside your Digital Banking account. If you have questions, please email us at <memberservice@scu.org> or call 618-345-1000. ## You've Got Questions. We've Got Answers. #### Getting Started What happens upon initial login?**Bill Pay Users, please reference the Bill Pay/Transfers section below for initial login instructions or click [here for step-by-step instructions](https://www.scu.org/wp-content/uploads/2025/01/Bill-Pay-Digital-Banking-Checklist.pdf).** **New Users:** - **Open the refreshed Scott Credit Union digital banking app.** - **Click “Register New Account”.** - **Read and check “I Agree” to the Disclosure.** - **Confirm Your Identity.** - You will need - Social Security Number/TaxID and Birth Date. - Plus, two of the following: - Member Number - Email Address - Debit Card Number - **To find your Member Number.** - Log in to the existing platform, go to “Accounts,” click “Share Account,” then “Details and Settings.” Finally, scroll down until you see “Account Number.” This is your Member Number. - **Create a Username and Password.** - **Follow the prompts** to verify your contact information and sign up for E-Statements**.** - **Turn on biometrics** or skip to next screen. - **You are now in the new platform!** Complete these final steps: - Set Up Scheduled Payments - Set Up Transfers - Refer to the FAQs for questions Can I change my username and password after my initial login?After you have logged in for the first time and updated your password, go to “**Settings**” located under your name in the top right corner. Select “**Security**” and make your changes. You can update your username and/or password and manage multi-factor authentication options. How will I log in as a Bill Pay user?Bill Pay users will log in slightly differently than other users. Click **[here for step-by-step instructions](https://www.scu.org/wp-content/uploads/2025/01/Bill-Pay-Digital-Banking-Checklist.pdf)** on how to access the platform. Are QuickBooks and Quicken available?Yes, QuickBooks and Quicken are available. #### Accounts Where can I find my loan payment amount? - On the main Dashboard, scroll down to the Loans section. Click **Account** **Details** to see additional loan details. Where is the MICR information displayed in Online Banking? - On the main Dashboard, click on the corresponding account. Click **Account Details** to find the information needed. Can I lock/unlock my card? - Yes, you are able to lock and unlock your debit card. #### Deposits/Payments How can I find images of the checks that I have deposited? - On the main Dashboard, click the account the check was deposited into. - Under Transaction, click the **Filter option** (funnel icon). - Under Type, select **Check**. - Select the check you want to review, and the image will display. Can I see images of checks I have deposited through mobile deposit? - Although images won’t display of checks you’ve deposited, you will see your mobile deposit information in your transaction history. You can view your mobile deposit activity under the deposit check menu by clicking on the activity tab. Linking External Accounts - On the main Dashboard, select **Transfer & Pay** from the top navigation. - Select **Transfer & Pay** from the drop down. - Click **Add Account**. - Select **Add an External Account**. - Choose your Financial Institution and enter the requested information. - If your Financial Institution does not participate, select **Manually Add an External Account** to initiate a verification. Why won't the banking account from another Financial Institution sync? - Ensure the login information for the bank you are attempting to link is correct. - Contact your external Financial Institution to troubleshoot linking the account or select **Manually Add** **an** **External Account** from the Add Account menu. What can I do with a linked external account? - After linking your external account, you will be able to transfer funds from an external Financial Institution to SCU or from SCU to an external Financial Institution. You will also be able to pay most loans directly from an external account. How do I transfer money to another Scott Credit Union member? - On the main Dashboard, select T**ransfer & Pay** from the top navigation. - Select **Transfer & Pay** from the drop down. - Click **Add Account**. - Select **Link to another Scott Credit Union Member’s** account to send them money and enter Recipient information and Account details. #### Message Center What does the Message Center do? - The Message Center allows you to send secure messages to Scott Credit Union. A designated representative will reply within three business days. Are notifications for my account in real time? - Most alerts will be sent out to members in batches. Collections occur at 12 AM, 6 AM, 12 PM, and 6 PM. Some alerts, like Mobile Deposit notifications, are real-time. Can I set up account alerts? - Yes, alerts can now be sent via mobile SMS, email, or push notification to the app on a mobile device. - If you wish to receive alerts on mobile, you must follow these steps: - - - On the main Dashboard, under the **Tools & Services** tab in the navigation, select **Settings** in the dropdown. - - In Settings at the top, select **Contact**. - - Click on the pencil icon to the right of MOBILE. - - Ensure the box is checked that states I Would like to Receive SMS Text Messages To This Number. To opt in to alerts, follow these steps: - - On the main Dashboard, under the **Tools & Services** tab in the navigation, select **Alerts**. - - This will display a list of categories. Within each category is a list of available alerts. - - To set delivery preferences, select from this subcategory list to choose delivery method. ## Get Help with SCU Online or SCU Mobile CONTACT OUR MEMBER SUPPORT TEAM Get Help With SCU Digital Banking At SCU, we’re with you for every financial need, including questions about our services or membership accounts. Visit our [Member Support page](https://www.scu.org/contact/) to find the information you need and request additional information or help. [Contact Member Support](/contact/#send-us-a-question) --- ### [Online Services](https://www.scu.org/online-services/) **Published:** March 14, 2023 **Author:** Chelsea Rogers **Content:** # Access the Digital Banking Portal ### Via SCU Online and SCU Mobile SCU digital banking services are designed to make managing your finances easier than ever. ## Download the Scott Credit Union Mobile App The SCU Mobile Banking app lets you check account balances, transfer funds, deposit checks, and more, all from a convenient smartphone app for iOS and Android. [![App store download button](https://www.scu.org/wp-content/uploads/2023/01/App-store-download-button.png "App store download button - Scott Credit Union")](https://apps.apple.com/us/app/id1513405754) [![Google Play store download button](https://www.scu.org/wp-content/uploads/2023/01/Google-Play-store-download-button.png "Google Play store download button - Scott Credit Union")](https://play.google.com/store/apps/details?id=com.scottcu.scottcu) [Learn More About Digital Banking](https://www.scu.org/digital-banking/ "An Enhanced Digital Banking Experience") Your mobile service provider may charge Internet access fees. Web access is needed for SCU Mobile. Check with your service provider for details on specific fees and charges for mobile internet access. ![Copy of Mobile Banking Homepage GIF](https://www.scu.org/wp-content/uploads/2025/01/Copy-of-Mobile-Banking-Homepage-GIF-250x444.png "Copy of Mobile Banking Homepage GIF") ## Manage Your Money and Card Controls With SCU Digital Banking Watch how to activate a new card, manage card controls, link to Apple or Google Wallet, and set real-time transaction alerts in just a few taps. ## SCU Digital Banking Features ### Personalized profile & security settings ### Secure money transfers: member to member & to and from an external FI account ### Send messages ### Manage alerts ### Gain insights into your accounts and balances ### Improved bill pay ### Grow financial wellness ### Quicken/QuickBooks file downloads ## Get the Most Out of Your Banking Experience ### Set up direct deposit with SCU ### Create a savings goal ### Use secure in-app messaging between you and SCU ### Opt in to notifications and alerts ### Enroll in multi-factor authentication for improved security measures ### Easily make payments and transfers with industry-leading money movement capabilities ### Take the FinHealth survey to better understand your goals for spending, saving, borrowing, and planning ## Set Up Digital Banking With our secure and convenient online banking, you can securely view account balances, transfer funds, pay bills, and more. [Digital Banking User Guide](https://flipbookpdf.net/web/site/4ad780d05bce494e22431572ae623358744559bbFBP41506952.pdf.html) ![online service page Set up your scu online access image](https://www.scu.org/wp-content/uploads/2023/04/online-service-page-Set-up-your-scu-online-access-image-600x250.jpg "online service page Set up your scu online access image") ## Get Help with SCU Online or SCU Mobile CONTACT OUR MEMBER SUPPORT TEAM At SCU, we’re with you for every financial need, and that includes questions about our services or membership accounts. Visit our Member Support page to find the information you need and request additional information or help. [Contact Member Support](/contact/#send-us-a-question) ## E-Statements When you choose to receive E-Statements instead of mailed paper statements, you simply receive an email notification from us when your statements are available. You can then log in to your SCU Digital Banking account to view your statement. ### **Benefits of E-Statements include:** Immediate access to current and previous monthly statements, without waiting for mail to arrive Reduced paper waste Avoid a $2 monthly paper statement fee\* Easy-to-use paper statement layout Search, zoom, and download functionality via our secure platform ![online service: eStatements image](https://www.scu.org/wp-content/uploads/2023/03/eStatements-500x250.jpg "online service: eStatements image") \*There is a $2.00 monthly paper statement fee for members with checking accounts, excluding Classic Club and Student Debit. This fee can be avoided by enrolling in E-Statements. To enroll in E-Statements: Log in to your SCU Digital Banking account. In the navigation menu, find the Tools & Services section and click on eDocuments. Click Settings and choose Subscribe. Agree to the terms and click Subscribe again. Once you have enrolled, each month you will receive an email notification that your SCU E-Statement is available inside your Digital Banking account. As always, we welcome you to email us at memberservice@scu.org or call (800) 888-4728 or (618) 345-1000 if you have questions. --- ### [Personal](https://www.scu.org/personal/) **Published:** February 14, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: With You, For All Your Personal Banking Needs ### Establish your SCU login and discover the benefits and convenience of banking, your way, with a Scott Credit Union membership. [Already a Member? Go to SCU Login](https://secure.scottcreditunion.com/scuonline/uux.aspx) ![Welcome to your Mastercard Upgrade. A New Wave is Coming. Learn More](https://www.scu.org/wp-content/uploads/2026/08/Mastercard-Page-Header-scaled.png) [Banner & Featured Image](https://www.scu.org/wave/) ## SCU Membership Join Scott Credit Union today and access the best interest rates and terms with all our members-only personal banking services. ### Checking No monthly fee or minimum balances. Plus, interest and cash back options. Explore your options. [**Learn More >>**](/personal-checking/) ### Savings Open your savings account with just $5 and start earning interest at $100. Manage your account online. [**Learn More >>**](/savings/) ### Loans From auto loans to student loans, mortgages to refinancing, SCU loans have the rates and terms that won’t break the bank. [**Learn More >>**](/loans/) ### Credit Cards SCU credit cards have low interest rates, no annual fee, a low balance transfer fee, and rewards you’ll love. [**Learn More >>**](/credit-cards/) ### Debit Cards Use your SCU Mastercard® debit card anywhere Mastercard® is accepted for fast, safe, and effortless everyday payments. [**Learn More >>**](https://www.scu.org/checking-accounts/#debit-cards) ## Youth Memberships Scott Credit Union is with you through every stage of life, for all your financial needs. Our youth and young adult members have access to educational resources, savings and checking solutions built to promote financial literacy, and more! Start your child off on the right financial foot with programs built just for them. [Learn More](https://www.scu.org/youth-young-adult/ "Youth Young Adult") ![Mother and Daughter putting money in a piggy bank](https://www.scu.org/wp-content/uploads/2023/04/personal-Youth-memberships-635x420.jpg) ## Scott Credit Union Member Benefits ### SCU Online Banking Visit the Scott Credit Union online banking portal to access your accounts, make payments, and set up automatic bill payments. The SCU portal makes it easy to manage your finances anywhere! **The benefits of online banking using the SCU portal include:** Convenient 24 hour access Online bill pay Access to update your contact information Transfer funds between accounts or make payments on loans Connect multiple accounts to a single login Sign up for eStatements and eAlerts to electronically monitor account activity Order checks [SCU Login](https://secure.scottcreditunion.com/scuonline/uux.aspx) ![personal - Scott Credit Union Member Benefits MYSCU Online Banking](https://www.scu.org/wp-content/uploads/2023/04/personal-Scott-Credit-Union-Member-Benefits-MYSCU-Online-Banking.jpg "personal - Scott Credit Union Member Benefits MYSCU Online Banking - Scott Credit Union") --- ### SCU Digital Banking App Our SCU Digital Banking App provides a unified experience for both SCU Online and Mobile Banking. Enjoy FREE1 access to your account anytime, anywhere, 24/7, on your mobile device. View balances, see transaction history, deposit a check, pay bills, make a transfer, or find an SCU branch location – all within the app. **Get Started Today:** **1. Download the app:** ## Apple App [![Apple App Store Download 2025](https://www.scu.org/wp-content/uploads/2025/01/Apple-App-Store-Download-2025.png "Apple App Store Download 2025 - Scott Credit Union")](https://apps.apple.com/us/app/id1513405754) ## Google Play App [![Google Play App Download 2025](https://www.scu.org/wp-content/uploads/2025/01/Google-Play-App-Download-2025.png "Google Play App Download 2025 - Scott Credit Union")](https://play.google.com/store/apps/details?id=com.scottcu.scottcu) **2. Select “Enroll Now” and follow the prompts** **Watch the how-to and security videos to learn more about mobile banking and keeping your financial information secure online.** *1Your mobile service provider may charge Internet access fees. Web access is needed for SCU Mobile. Check with your service provider for details on specific fees and charges for mobile internet access.* **3. View the SCU Digital Banking User guide** **This guides gives you step-by-step instructions for enrolling and logging in to digital banking, setting up your accounts, turning on alerts and more.** [View the Digital Banking User Guide](https://mcompany.cld.bz/Scott-Credit-Union-Digital-Banking-User-Guide "Online Services") [Digital Banking FAQs](https://www.scu.org/digital-banking/#Digital-Banking-FAQs "Online Services") ## Need help enrolling in **Online Banking?** [View SCU Digital Banking](https://www.scu.org/digital-banking "Online Services") [Contact Us](https://www.scu.org/contact/ "Contact SCU") ## Automatic Deposits & Payments Direct deposit lets you avoid waiting for checks to arrive and standing in the teller line by automatically depositing your entire paycheck, retirement check, or other recurring payments directly into your Scott Credit Union checking or savings account. Payroll deduction allows you to allocate a portion of your check to automatically make a loan payment or savings deposit. You will then receive the remainder of your check amount as you normally would. Note that military and government employees need to use Form 1199A for Direct Deposit. Please check in with us after your next pay day to make sure that we have received your deposit. [Click Here to Download the 1199a Form](/documents/1199a.pdf) ![personal - Automatic Deposits & Payments](https://www.scu.org/wp-content/uploads/2023/04/personal-Automatic-Deposits-Payments.jpg "personal - Automatic Deposits & Payments - Scott Credit Union") To set up direct deposit you will need the SCU routing number 281077522 as well as your MICR account number. For your security, we do not give out account information via fax or email. If you need help locating this information please visit one of our branches, send us a secure message though [SCU Online](https://secure.scottcreditunion.com/scuonline/uux.aspx), or call our Member Contact Center at [(618) 345-1000](tel:6183451000) or toll free at [(800) 888-4728](tel:8008884728). ## SCU Member Services & Benefits Scott Credit Union offers a wealth of convenient services for members, including drive-up teller windows, walk-up and drive-up ATMs, wire transfers, notary services, safe deposit boxes, cashier’s checks, and money orders. Stop by any of our convenient branch locations today to take advantage of these services. [Find a Local Branch](https://www.scu.org/locations/ "SCU Locations") ![personal - SCU Member Services & Benefits](https://www.scu.org/wp-content/uploads/2023/04/personal-SCU-Member-Services-Benefits-635x320.jpg "personal - SCU Member Services & Benefits") ## Love My SCU Rewards Members can save on a variety of products and services like TurboTax, ID theft protection, home security, travel & entertainment and more through Love My Credit Union Rewards. [View SCU Rewards](http://links.lovemycreditunion.org/client/love_my_cu/banner/?bid=5306&campid=36&clientid=66370&sid=1) ![_personal - Love My SCU Rewards](https://www.scu.org/wp-content/uploads/2023/04/personal-Love-My-SCU-Rewards-635x320.jpg "_personal - Love My SCU Rewards") ## Bank by Phone: 24-hour account info by telephone at Scott Credit Union If you’ve never used Bank by Phone, call (618) 345-1000, choose Option 1 from the main menu and follow the prompts to get started. If you call Bank by Phone from phone number on file, you will only need the last 4 digits of your Social Security Number to set up a PIN for future use. Have your PIN and the last 4 digits of your Social Security Number ready each time you call. If you are not calling from the phone number on file, then you will need your member number for verification. Your member number is a unique 7-digit number, which is also the last part of your account (MICR) number. To access Bank by Phone, dial (618) 345-1000. **Just follow the step-by-step instructions you hear on the phone.** *You’ll be able to complete these SCU transactions from the comfort of your own home with this 24-hour account access telephone banking system.* Choose Option 1 *from the main menu and then choose one of the options in the menu below.* - For balances and transaction history, press **1** - To pay a loan from an External account, press **2** - To pay a loan or a credit card from an internal account, press **3** - To transfer money, press **4** ![personal - MemberLink 24-Hour Account Information By Telephone](https://www.scu.org/wp-content/uploads/2023/04/personal-MemberLink-24-Hour-Account-Information-By-Telephone.jpg "personal - MemberLink 24-Hour Account Information By Telephone - Scott Credit Union") ## Free Annual Credit Report When obtaining a loan at Scott Credit Union, your Credit Report will be used to determine the rates and terms of the loan you will receive. Typically, the higher the score on your Credit Report, the better the rate you will receive on the loan. Monitor and manage your credit reports by requesting a free copy from each of the three credit reporting agencies through [AnnualCreditReport.com](https://AnnualCreditReport.com): - [TransUnion](https://www.transunion.com/annual-credit-report) - [Equifax](https://www.equifax.com/) - [Experian](https://www.experian.com/) ![_personal - Free Annual Credit Report](https://www.scu.org/wp-content/uploads/2023/04/personal-Free-Annual-Credit-Report.jpg "_personal - Free Annual Credit Report - Scott Credit Union") ## Join Online or In Person All you need to do to take the first step toward your dreams is open a savings account with $5.00. That deposit is your membership share. By opening your savings with us, you become part owner of the credit union – and you can then enjoy all of the services we offer. An account may be opened for one person (Individual Account) or for two or more people (Joint Account). Applicants must be a US citizen or a permanent resident alien with a valid social security number and the primary applicant must be 18 years of age or older. Here are some items you should have handy when opening your new account, either in person or [online through the SCU portal](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1): - Your personal checkbook - Drivers License, State Identification Card or Military Identification - Social Security Number [Join Online](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) [Contact Us with Questions](https://www.scu.org/contact/ "Contact SCU") ![personal - Join Online or In Person](https://www.scu.org/wp-content/uploads/2023/04/personal-Join-Online-or-In-Person.jpg "personal - Join Online or In Person - Scott Credit Union") ## Become A Member Today With us, it’s not about the money; it’s about you and your dreams! We’re with you every step of the way.At **Scott Credit Union**, we believe in providing you with the tools you need to meet all of your dreams at any stage of life. Our goal is to help you be able to buy a car, purchase a home, attend college, save money for your future, and more. [Join Online](https://secure.scottcreditunion.com/scuonline/uux.aspx) --- ### [Checking accounts](https://www.scu.org/checking-accounts/) **Published:** August 31, 2026 **Author:** Jen Audetat **Content:** # Personal Checking Accounts & Debit Cards Free Checking Accounts With Debit Cards and Rewards or Interest-Earning Options ## Why Choose a Scott Credit Union Checking Account? Scott Credit Union makes everyday banking simple with free checking accounts, [SCU Digital Banking](https://scu.org/digital-banking), and Mastercard® debit cards serving members throughout Illinois and Missouri. **Checking Account Benefits** - No monthly maintenance fee or minimum balance - Free Mastercard® debit card with digital wallet compatibility - Access to 30,000+ surcharge‑free CO‑OP ATMs - Free digital banking and mobile check deposit - Built-in [security](https://www.scu.org/security/) and fraud monitoring protection [Compare SCU Checking Accounts](#compare) [Open a Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ![making a payment with debit card](https://www.scu.org/wp-content/uploads/2026/08/making-a-payment-with-debit-card.webp "making a payment with debit card - Scott Credit Union") ## Spend Anywhere With Your SCU Mastercard® Debit Card ![Scott Credit Union Business debit, debit, blues and hsa debit master cards](https://www.scu.org/wp-content/uploads/2026/08/4-Cards-Floating-Updated-scaled.webp "4 Cards Floating Updated - Scott Credit Union") Your SCU checking account includes a Mastercard® debit card accepted at millions of locations worldwide. Make purchases in-store, online, or with your mobile wallet while enjoying secure features like contactless tap-to-pay and convenient access to your money every day. Plus, you can get the exclusive [Scott Credit Union St. Louis Blues Debit Card](https://scu.org/blues) with any SCU checking account! ![tap to pay](https://www.scu.org/wp-content/uploads/2026/07/1.png) ### NEW! Contactless Tap to Pay ![master card accepted word wide](https://www.scu.org/wp-content/uploads/2026/07/2.png) ### Mastercard Accepted Worldwide ![Pay with Apple Pay, Google Pay, Samsung Pay](https://www.scu.org/wp-content/uploads/2026/07/3.png) ### Pay with Apple Pay, Google Pay, Samsung Pay ![30,000+ Surcharge-Free Co-Op ATMs Nationwide](https://www.scu.org/wp-content/uploads/2026/07/4.png) ### 30,000+ Surcharge-Free Co-Op ATMs Nationwide Compare Our Checking AccountsFrom cash back rewards to simple everyday options and student banking, Scott Credit Union offers checking accounts designed for every stage of life. Compare features, rates, and benefits to find the best checking account for you. \[table id=32 /\] 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. ### **CashBack Checking** ![Best for Cash Back Rewards](https://www.scu.org/wp-content/uploads/2026/07/5.png "2x points at home & abroad - Scott Credit Union")#### *Best for Cash Back Rewards* CashBack Checking is designed for people who use their debit card regularly and want to earn cash back rewards on everyday purchases. This free checking account\* rewards eligible members up to $120 a year\*\* for qualifying debit card purchases. [Open a CashBack Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \*$2 paper statement fee applies if not enrolled in eStatements. \*\*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. ![Smiling while holding debit card](https://www.scu.org/wp-content/uploads/2026/08/Smiling-while-holding-debit-card.webp "Smiling while holding debit card - Scott Credit Union") ### **eXtreme Checking** ![Best for earning interest](https://www.scu.org/wp-content/uploads/2026/07/6.png "2x points at home & abroad - Scott Credit Union")#### *Best for Earning Interest* eXtreme Checking is an interest-earning checking account designed for members who want to earn competitive interest on qualifying balances while keeping everyday access to their money. Eligible members can earn the current advertised APY\* by meeting simple monthly account requirements. [Open an eXtreme Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \*Annual Percentage Yield ![smiling while making a payment](https://www.scu.org/wp-content/uploads/2026/08/smiling-while-making-a-payment.png "smiling while making a payment - Scott Credit Union") ### **Regular Checking** ![2x points at home & abroad icon](https://www.scu.org/wp-content/uploads/2026/07/7.png "2x points at home & abroad - Scott Credit Union")#### *Best for Everyday Banking* Regular Checking is a free checking account designed for members who want simple, everyday banking without monthly maintenance fees or minimum balance requirements. It includes the essential banking tools for everyday spending, bill payments, and direct deposit. [Open a Regular Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ![man smiling while holding debit card](https://www.scu.org/wp-content/uploads/2026/08/man-smiling-while-holding-debit-card.webp "man smiling while holding debit card - Scott Credit Union") ### **Student Checking** ![Best for Students & Young Adults](https://www.scu.org/wp-content/uploads/2026/07/6.png "Best for Students & Young Adults - Scott Credit Union")#### *Best for Students & Young Adults* Our student checking account is a free account designed specifically for students and young adults ages 13–22. It includes a free teen checking with debit card feature, mobile banking, and digital tools that make it easy to build smart financial habits and bank on the go. Plus, parents or guardians can be joint owners on accounts for members under 18. [Open a Student Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb&_gl=1%2Ab64n8v%2A_gcl_au%2AMTQyODE5ODAzNy4xNzQ3MzM5ODAy%2A_ga%2AOTYyOTE0ODgwLjE3NDczMzk4MDI.%2A_ga_B0G6MQ5G1Q%2AczE3NTMyOTU0MTkkbzEzNSRnMSR0MTc1MzI5NTkxMyRqMTEkbDAkaDA) [Youth Accounts](https://www.scu.org/youth/ "Youth Young Adult") ![Girl smiling while holding debit card](https://www.scu.org/wp-content/uploads/2026/08/Girl-smiling-while-holding-debit-card.webp "Girl smiling while holding debit card - Scott Credit Union") ## Ready to Open an SCU Checking Account? No monthly fees. No minimum balance requirements. Debit card included. [Open a Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ## Frequently Asked Questions About SCU Checking Accounts & Debit Cards What do I need to open a checking account?To open a Scott Credit Union checking account, you’ll need a valid government-issued photo ID, your Social Security number, and to meet [membership eligibility requirements](https://www.scu.org/membership/). A minimum savings account deposit may be required to establish your membership. Can I open a checking account online?Yes. Eligible applicants can open a Scott Credit Union checking account online in just a few minutes. Once your account is approved, you can enroll in [Digital Banking](https://www.scu.org/digital-banking/) and begin managing your account online. Which Scott Credit Union checking account is right for me?Scott Credit Union offers four personal checking account options: - CashBack Checking for members who want cash back rewards on qualifying debit card purchases. - eXtreme Checking for members who want to earn competitive interest on qualifying balances. - Regular Checking for simple, everyday banking. - Student Checking for students and young adults ages 13–22. Compare our checking accounts above to find the option that best fits your financial goals. Does every checking account include a debit card?Yes. Every Scott Credit Union checking account includes a free Mastercard® debit card accepted at millions of merchants worldwide. Where can I use my SCU Mastercard® debit card?Your SCU Mastercard® debit card can be used anywhere Mastercard® is accepted, including in-store, online, and with digital wallets such as Apple Pay®, Google Pay™, and Samsung Pay®. Members also have access to more than 30,000 surcharge-free CO-OP ATMs nationwide. What is the difference between CashBack Checking and eXtreme Checking?CashBack Checking rewards qualifying debit card purchases with cash back, while eXtreme Checking allows eligible members to earn competitive interest on qualifying checking balances. The best account depends on how you use your checking account. Is there a monthly maintenance fee?No. Scott Credit Union checking accounts do not charge a monthly maintenance fee. A $2 paper statement fee applies if you are not enrolled in eStatements. Is there a minimum balance requirement?No. Scott Credit Union checking accounts have no minimum balance requirement. Can I use my debit card with Apple Pay®, Google Pay™, or Samsung Pay®?Yes. SCU Mastercard® debit cards are compatible with Apple Pay®, Google Pay™, and Samsung Pay® so you can make secure purchases using your mobile device. What can I do with SCU Digital Banking?[SCU Digital Banking](https://www.scu.org/digital-banking/) lets you check balances, transfer money, deposit checks, pay bills, manage your debit card, enroll in eStatements, receive account alerts, and access your accounts anytime from your computer or mobile device. How do I switch my checking account to Scott Credit Union?Scott Credit Union’s [Switch Kit](https://www.scu.org/switch-kit/) makes moving your direct deposit and recurring payments simple. Follow the step-by-step instructions to transfer your everyday banking with confidence. Is my money insured at Scott Credit Union?Yes. Deposits at Scott Credit Union are federally insured by the National Credit Union Administration (NCUA) up to applicable limits, providing the same level of federal deposit insurance offered by banks through the FDIC. What should I do if my debit card is lost or stolen?If your debit card is lost or stolen, contact Scott Credit Union immediately. We can help protect your account, prevent unauthorized transactions, and assist you with replacing your card. Who can open a Student Checking account?Student Checking is available for students and young adults ages 13–22. Members under age 18 may open an account with a parent or guardian as a joint owner. Why should I choose Scott Credit Union for my checking account?Scott Credit Union offers free checking account options, Mastercard® debit cards, [Digital Banking](https://www.scu.org/digital-banking/), mobile check deposit, access to more than 30,000 surcharge-free CO-OP ATMs, and [23 branches](https://www.scu.org/locations/) throughout Illinois and Missouri. Where can I find the benefits of my SCU Debit Mastercard®?[Mastercard® Small Business Debit Card Benefits](https://www.scu.org/wp-content/uploads/2026/08/GTB_SMLBUS_DEBITCARD-1.pdf) [Mastercard® HSA Debit Card Benefits](https://www.scu.org/wp-content/uploads/2026/08/GTB_HSA-1.pdf) [Mastercard® Debit Card Benefits](https://www.scu.org/wp-content/uploads/2026/08/GTB_DEBIT-1.pdf) [Mastercard® St. Louis Blues Debit Card Benefits](https://www.scu.org/wp-content/uploads/2026/08/GTB_DEB_Enhanced_BLUES-DEBIT-1.pdf) --- ### [Business Banking](https://www.scu.org/business/) **Published:** November 29, 2022 **Author:** Chelsea Rogers **Content:** # SCU Business Solutions: Large and Small Business Accounts ### Explore commercial banking options for large and small business accounts. [Open an Account at Scott Credit Union](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI9J3MOXWYjq1XDp0LlHjUXndqdgt-5vKFLaCwp911RF0) ![Welcome to your Mastercard Upgrade. A New Wave is Coming. Learn More](https://www.scu.org/wp-content/uploads/2026/08/Mastercard-Page-Header-scaled.png) [Banner & Featured Image](https://www.scu.org/wave/) ## SCU Business Solutions ### **Large and Small Business Accounts** The success of your business is important to us, and that’s why Scott Credit Union large, mid-sized, and small business accounts offer [commercial banking account solutions to help your company grow](https://www.sba.gov/business-guide/launch-your-business/open-business-bank-account) at every stage. Explore your options for savings and checking for business members. You’ll find that our rates and services are competitive, and our customer service can’t be beat. [Contact Our Business Solutions Team](#Commercial-Business-Services) [Open an Account](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI9J3MOXWYjq1XDp0LlHjUXndqdgt-5vKFLaCwp911RF0) ![business - Opening an SCU Business Account](https://www.scu.org/wp-content/uploads/2023/03/Opening-an-SCU-Business-Account.jpg "business - Opening an SCU Business Account - Scott Credit Union") ## Business Checking With every large and small business solutions checking option, you have the option to receive the exclusive [**St. Louis Blues Debit Card**](/blues) you’ll only find at Scott Credit Union. Find the best commercial checking option for your needs below, then learn how to [open credit union small business accounts](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) and we’ll help you get started today. ## Business Essentials Checking ## Business Essentials Checking Businesses with minimal transaction needs that want a simple, straight-forward account. ## Business Growth Checking ## Business Growth Checking Small to medium size businesses that require more options to manage cash flow at a great value. ## Community Checking ## Community Checking This account is a superb value for non-profit and community organizations within our field of membership. ## Estate Checking ## Estate Checking Designed to manage funds related to an estate. This is an easy-to-use checking account with no transaction thresholds or monthly maintenance fees. ## Business Mastercard® Solutions Built for modern operational needs, your card brings fast, contactless tap-to-pay convenience, global acceptance, and built-in commercial protection to every transaction with no annual fees. - Contactless Tap-to-Pay: Enjoy fast, secure checkouts at millions of locations worldwide. - Enhanced Fraud Protection: Zero Liability protection and 24/7 account monitoring keep your business assets secure. - Seamless Digital Integration: Easily add your card to Apple Pay®, Google Pay®, or Samsung Wallet for on-the-go purchasing. - Mastercard Commercial Benefits: Access specialized protection for travel, rental vehicles, and merchant savings. **Explore Your Commercial Coverage** Review the complete details of your cardholder perks, insurance coverage, and business security features. [View Mastercard® Guide to Benefits](https://www.scu.org/wp-content/uploads/2026/08/GTB_SMLBUS_DEBITCARD-1.pdf) ![SCU Business Debit Mastercard 1](https://www.scu.org/wp-content/uploads/2026/09/SCU-Business-Debit-Mastercard-1.webp "SCU Business Debit Mastercard 1 - Scott Credit Union") ## Deposit Solutions Manage deposits easily when you have a Scott Credit Union business account. With your secure SCU login, you’ll have access to real-time account balances, mobile deposit solutions, ACH origination or stop payments, transfers, and more. Plus, check deposits are easier than ever with SCU Mobile and SCU Online banking access. [Open an Account](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI9J3MOXWYjq1XDp0LlHjUXndqdgt-5vKFLaCwp911RF0) ## Business Deposit Products \[table id=24 /\] ## Business Money Market Accounts Credit union business accounts that help grow your investment are a unique option at SCU. Money market accounts are available to businesses that want to grow excess capital at higher dividend rates than those offered with traditional business savings accounts, without locking the funds up for months or years at a time. [Open an Account](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI9J3MOXWYjq1XDp0LlHjUXndqdgt-5vKFLaCwp911RF0) ![Lady in new house painting while talking on the phone](https://www.scu.org/wp-content/uploads/2023/04/business-banking-Opening-an-SCU-Business-Account-image-635x350.jpg "business banking - Opening an SCU Business Account image") ## Opening an SCU Business Account Opening an SCU Business Account is a hassle-free process, made easier by our dedicated Business Solutions Team. Schedule a time with one of our account managers to join Scott Credit Union. We’ll help you understand what to expect when setting up your large, mid-sized or small business accounts and make your journey to better banking as easy as possible. [Open an Account](https://app.consumer.meridianlink.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI9J3MOXWYjq1XDp0LlHjUXndqdgt-5vKFLaCwp911RF0) ## Contact Business Services Contact Business Solutions Name \* Enter your name Email \* Enter your e-mail address Phone Number \* Enter your phone number Which is your preferred SCU location? \* Home Office BranchAffton BranchBallpark Village BranchBreese BranchCollinsville BranchColumbia BranchCrestwood BranchEast Belleville BranchEdwardsville BranchEvergreen Park BranchFairview Heights BranchFerguson BranchHighland BranchJesse Brown VA BranchLadue BranchLebanon BranchMascoutah BranchMidlothian BranchO'Fallon BranchScott AFB BranchTrenton BranchTroy BranchWaterloo BranchWest Belleville BranchWood River Branch Specify your preferred location Submit What would you like to discuss? \* Business Checking Business Money Market Message \* Type your questions or comments above If you are human, leave this field blank. Δ ## SCU: The Best Business Credit Union FOR LARGE, MID-SIZED, AND SMALL BUSINESSESContact our [**Business Solutions**](/business/#Commercial-Business-Services) team to discuss your needs and experience the benefits of credit union membership for continued business growth and success. SCU is with you, and your business, every step of the way. [Contact Us](#Commercial-Business-Services) --- ### [Savings](https://www.scu.org/savings/) **Published:** April 1, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Savings Accounts ### Save with competitive interest rates at SCU. We’re with you, for every financial stage of life. ## Looking for credit union savings accounts, or just more information? Select the button below to jump to the account type or information you’re looking for. Then, get in touch with an SCU representative to talk about your needs. We’ll help you find the right solution that helps you fund your financial future. ### Start Saving Save money with a SCU share account [**Learn More >>**](#Share-Savings) ### Find Youth Savings Youth and young adult accounts and programs [**Learn More >>**](#Youth-Savings) ### Join the Classic Club Added benefits for our members age 65+ [**Learn More >>**](#Classic-Club) ### Open an HSA Save for medical expenses with an HSA [**Learn More >>**](#Health-Savings-Account) ### Money Markets and Share Certificates Explore investments and IRA options [**Learn More >>**](#money-markets) ## Share Savings Accounts Your savings account means more at Scott Credit Union. Every SCU member sets up a Scott Credit Union savings account with a minimum $5 deposit when they join. Here’s what you can expect from that no-fee account: - Earn more on your account balance - No monthly maintenance fees - No maximum balance - Easy access to your accounts through SCU Online and SCU Mobile - Low minimum balance of only $5.00 - eStatements & eAlerts Join today and open your Scott Credit Union share savings account by clicking the button below. Then, [use the SCU savings calculator](/savings-calculator) to start creating your personalized savings plan. [Open a Share Savings Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [See Rates](/rates/#savings-accounts-interest-rates) ![SCU Share Savings Account 1](https://www.scu.org/wp-content/uploads/2026/09/SCU-Share-Savings-Account-1.webp "SCU Share Savings Account 1 - Scott Credit Union") ## Youth Savings Accounts At SCU, [we make financial education and smart choices fun](/youth-young-adult/#financial-education), building a foundation for healthy money decisions for members of all ages. Start your kids and teens off on the right financial foot with youth savings accounts through the [SCU Kidz Club](#kidz-club) or [Teen Share](#teen-share-account). [Scott Credit Union’s Kidz Club](#kidz-club) and [Teen Share](#teen-share-account) Accounts earn a higher rate than our regular share savings accounts on the first $1,000 and reward youth members for good grades through [SCU’s Great Grades Program](#great-grades). Plus, youth members have the opportunity to open Share Certificates with a lower minimum balance – only $500 – so they can earn even more on their money. Accounts are accessible through SCU Online and SCU mobile. Check out the account features, then bring the kids in so they can start saving. [Open an Account](https://app.loanspq.com/Apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) [See Youth Savings Rates](/rates/#savings-accounts-interest-rates) ![savings - Kidz Club Share Account](https://www.scu.org/wp-content/uploads/2023/03/savings-Kidz-Club-Share-Account.jpg "savings - Kidz Club Share Account - Scott Credit Union") [Already Have a Savings Account? Open a Student Debit Checking Account](https://app.loanspq.com/Apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) ## Kidz Club Share Account Our Big Barkers Kidz Club makes saving fun for kids ages 12 and under. Kidz Club Accounts feature: - Free Big Barkers Kidz Club membership for ages 12 and under - Earn a higher rate on the first $1,000 - Low minimum balance of only $5.00 - No monthly maintenance fees - No maximum balance - Get rewarded with our Great Grades Program - A lower minimum balance of $500 for Share Certificates - Easy access to your accounts through SCU Online and SCU Mobile - eStatements & eAlerts [Open a Kidz Club Share Account](https://app.loanspq.com/Apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) [See Rates](/rates/#savings-accounts-interest-rates) ![savings - Youth Savings Accounts](https://www.scu.org/wp-content/uploads/2023/03/savings-Youth-Savings-Accounts.jpg "savings - Youth Savings Accounts - Scott Credit Union") ## Teen Share Account Scott Credit Union’s Teen Share Accounts help teach young adults ages 13 to 17 the importance of saving money to reach financial goals. Whether saving for a first car or a college education, our Teen Share Accounts are the best saving accounts for students and the perfect tool to help young people learn the value of saving. Plus, a Teen Share account is a great way to introduce your teen to smart money management when they [open a Student Debit Checking Account. ](https://www.scu.org/personal-checking/) **Teen Share Accounts feature:** - Earn a higher rate on the first $1,000 - Low minimum balance of only $5.00 - No monthly maintenance fees - No maximum balance - Get rewarded with our Great Grades Program - A lower minimum balance of $500 for Share Certificates - Easy access to your accounts through SCU Online and SCU Mobile - eAlerts & eStatements [Open a Teen Share Account](https://app.loanspq.com/Apply.aspx?lenderref=scottcu072120&list=1s) [See Rates](/rates/#savings-accounts-interest-rates) ![savings - Teen Share Account](https://www.scu.org/wp-content/uploads/2023/03/savings-Teen-Share-Account.jpg "savings - Teen Share Account - Scott Credit Union") ## SCU Great Grades Program You work hard to get an education, and Scott Credit Union wants to reward your efforts. Bring your end-of-semester report card or transcript to one of our branches to show us your great grades. We’ll deposit $3 for every “A” on your report card into your share savings account at Scott Credit Union. **Deadlines to redeem:** - Bring in your July-December report card by January 31 the following year - Bring in your January-June report card by July 31 of that year **Rules:** - Earn a maximum of $15 per semester (fall and spring) - Grade must be an “A” or whatever the highest score is on the school’s grading scale (E, 3, etc.) - Student must be a member of Scott Credit Union - Offer is available to students of all ages ![savings - SCU Great Grades Program](https://www.scu.org/wp-content/uploads/2023/03/savings-SCU-Great-Grades-Program.jpg "savings - SCU Great Grades Program - Scott Credit Union") ## Classic Club Scott Credit Union membership gets even better with age. If you are 65 or older with a Checking and Share Savings Account, your savings get sweeter when you are automatically upgraded to Scott Credit Union’s Classic Club. **Classic Club Share Account features:** - Free checkbook balancing assistance - Free check order once per year - Free wire transfers - Waived automobile license sticker renewal fee ($5) - Free money orders - Free cashier’s checks - Free notary service and signature guarantee - Free fax service - Free photocopy service – limit 50 copies, per visit - Free and easy access to accounts through SCU Digital Banking - Free Online Bill Pay - eStatements & eAlerts1 - APR discount on any auto loan. [View current Scott Credit Union interest rates](/rates/#savings-accounts-interest-rates) - No monthly maintenance fees - Low minimum Share Savings Account balance of only $5.00 - No minimum Checking Account balance [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) 1Message and data rates from your carrier may apply. 2APY=Annual Percentage Yield. Balances over $1,000 earn the same rate as the Share Savings accounts, [view current Scott Credit Union interest rates.](/rates/#savings-accounts-interest-rates) ![savings - Classic Club](https://www.scu.org/wp-content/uploads/2023/03/savings-Classic-Club.jpg "savings - Classic Club - Scott Credit Union") ## Holiday Club Use Scott Credit Union’s Holiday Club Account to set aside money for holiday shopping, travel, home improvements, or whatever you’d like to save for. Plus, you’ll earn interest on your savings and maximize your purchasing power. The Holiday Club Account is convenient and simple. You can make regular deposits through payroll deduction, online transfers, by mail, or stopping by your favorite local branch. Plus, you have the flexibility to withdraw the money whenever you need it. **Holiday Club Account features:** - Earn on your account balance. [View current Scott Credit Union interest rates](/rates/#savings-accounts-interest-rates) - No monthly maintenance fees - No maximum balance - Easy access to accounts through SCU Online, SCU Mobile, and all SCU branches - Free eStatements and eAlerts [Open an Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) ![Travel Club Holiday Club image](https://www.scu.org/wp-content/uploads/2023/04/Travel-Club-Holiday-Club-image.jpg "Travel Club Holiday Club image - Scott Credit Union") ## Health Savings Accounts (HSA) Save money by saving your pre-tax income in a Health Savings Account. SCU offers individual or family HSA options with different maximum annual contributions. HSA funds may be used for qualified medical expenses, such as doctor visit co-pays, over-the-counter medical supplies, and prescriptions. Plus, when you set up your HSA through Scott Credit Union, you’ll earn interest on your tax-deductible contributions to help even more with medical expenses your High-Deductible Health Plan (HDHP) doesn’t cover. If you would like to open a HSA, please stop by any of our locations and we will be glad to help you. Please note that HSA’s cannot be opened online at this time. #### [SCU Health Savings Account features:](#collapse722913512) - Interest earning account - No minimum balance requirement - No monthly fee - Debit card – to pay for qualified medical or health care expenses - Online access - Free eAlerts & eStatements1 1Message and data rates from your carrier may apply. #### [Why open a Health Savings Account?](#collapse867791683) - Tax deductions are realized on a pre-tax basis as soon as you contribute to your HSA Account1 - Lower health insurance premiums in a HDHP - Control the way your health care funds are spent and invested - Protection from high or unexpected medical bills - Withdrawals from your HSA for qualified medical expenses are tax-free - Money saved in your HSA account can be used toward qualified medical expenses or for future needs that may arise - Funds remain in your HSA from year to year. There are no “use it or lose it” rules that apply to HSAs. 1This information is not intended as tax advice. Please consult a tax professional. #### [What can I pay for with HSA funds?](#collapse689362501) - All medical expenses - Doctor visits - Dental care - Long-term care - Health care coverage when unemployed - Prescriptions - Hospital stays #### [Do I qualify to open an HSA?](#collapse845684245) Any adult can open a Health Savings Account if they: - Have coverage under an HSA-qualified “high-deductible health plan” (HDHP) - Have no other first-dollar medical coverage (other types of insurance like specific injury insurance or accident, disability, dental care, vision care, or long-term care insurance are permitted) - Are not enrolled in Medicare - Cannot be claimed as a dependent on someone else’s tax return [Request More Information](http://scu.org/contact/) [Guide to Benefits](https://www.scu.org/wp-content/uploads/2026/08/GTB_HSA-1.pdf) ## Savings Account Interest Rates \[table id=15 /\] ## Access Your Share Accounts Your Scott Credit Union share savings account is accessible via both SCU Online & SCU Mobile, giving you quick access to check balances, create transfers, and view your transaction history. You also have access to your account at any of our convenient local branches [Go to SCU Online](https://secure.scottcreditunion.com/scuonline/uux.aspx) ## Money Markets A higher-yielding savings alternative to our standard Share Account, the SCU Money Market Account can be used to reserve money for just about any personal need. Your funds are federally insured to at least $250,000 by the NCUA. There is no minimum to open the account. #### [Scott Credit Union Money Market Rates](#collapse1178486968) \[table id=16 /\] #### [Money Market Terms](#collapse1771422283) - **Variable Rate** – Your dividend rate and Annual Percentage Yield may change. At our discretion we may change the dividend rate at any time. - **Compounding and Crediting** – Dividends will be compounded monthly and credited to your account on the last day of each calendar month. - **Dividend Period** – The dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. - **Effect of Closing Account** – If you close your account before dividends are credited, you will forfeit all accrued dividends for that period. - **Daily Balance Computation Method** – Dividends are calculated by the daily balance method, which applies a daily periodic rate to the current balance in the account each day. - **Accrual of Dividends on Noncash Deposits** – Dividends will begin to accrue on the first business day after you deposit noncash items (for example, checks) to your account. - **Transaction Limitations** – During any statement period, you may not make more than six withdrawals or transfers to another account of yours at the credit union or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure. ## Share Certificates If you have $1,000 or more to invest, a Share Certificate is a secure way to earn a return on your money. Compared to a standard savings account, a Scott Credit Union Share Certificate offers higher interest rates in exchange for leaving your funds untouched for a fixed term. ### How to Open Your Certificate Ready to grow your savings? You can get started today: - View our current high-yield options on the [Rates Tab](https://www.scu.org/rates/#share-certificate-dividend-rates) - Start your application through our [secure digital portal](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQknE33rWuDdTzYB46xarS4lT) - Stop by any of our [convenient locations](https://www.scu.org/locations/) - For questions, reach out to our Member Contact Center by calling [(618) 345-1000](tel:6183451000) ### Share Certificate Features - Competitive rates - Low minimum deposit options starting at only $1,000 - Term options from 6 months up to 5 years - Automatic renewals [Become an SCU Member](https://app.loanspq.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIBt2HN4cX2uy6UZrrmsdynGXi5VDeMxIhqoT1tpdTJIs) [Add Share Certificate to Existing SCU Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [![share certificates description image](https://www.scu.org/wp-content/uploads/2026/02/share-certificates-description-image-500x500.webp "share certificates description image")](https://www.scu.org/rates/#share-certificate-dividend-rates) **Minor Certificate-Minimum Deposit $500.00** #### [Share Certificate Dividend Rates](#collapse1574694666) \[table id=17 /\] 1APY = Annual Percentage Yield. ## Individual Retirement Accounts (IRA) Scott Credit Union IRAs can be the answer to some tough questions regarding your future retirement income. Whether your goal is to defer taxes, save for your child’s education, or simply to prepare for retirement, we have the IRAs to meet your needs. If you are changing jobs and need to rollover your 401k into an IRA, we can help with that, too. IRA features: - High IRA Certificate rates. [View current Scott Credit Union interest rates](/rates/#savings-accounts-interest-rates) - No minimum deposit and no monthly maintenance fees - Contributions may be tax deductible, helping to reduce your current tax burden - Flexible options for our IRA Certificates We offer two ways for you to grow your Scott Credit Union IRA Account: **IRA Share Account.** Our Traditional IRA Share Account allows for you to earn APY1 on balances of any amounts. [View current Scott Credit Union interest rates.](/rates/#savings-accounts-interest-rates) There is no minimum balance and no monthly maintenance fees. It also gives you some flexibility if you would need quick access to the money. **IRA Certificates.** These allow you to invest your IRA funds into different certificates terms from 1 year up to 5 years. Typically, you will earn a higher rate with a longer term IRA. We also offer a higher rate for higher balance accounts. ### Traditional IRA These are best if you would like to reduce your taxable income now, and you don’t plan on making withdrawals until retirement. You don’t pay taxes until you take money out, which typically occurs after you are retired and in a lower income tax bracket. ### Roth IRA You would like more flexibility for withdrawals, you want the ability to grow your contributions tax-free, or you plan to work past the age of 70. Roth IRA contributions are taxed before your contribution, so you don’t have to pay taxes when you take your money out of the account. ### Education Savings IRA An ESA IRA is a savings arrangement in which contributions are invested for the purpose of funding a student’s education. Contributions are not tax-deductible, but they may earn interest tax-deferred until distribution. #### [IRA Share Rates](#collapse84896169) IRA Share Rates \[table id=19 /\] #### [Scott Credit Union IRA Certificate Rates](#collapse794451399) Scott Credit Union CD Rates \[table id=18 /\] --- ### [Financial Education](https://www.scu.org/financial-education/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** # Financial Education #### *There are no retirement seminars currently scheduled, please check back soon for more.* ## Financial Education Resources ### Financial knowledge is critical if you want to reach your investment goals. Here is a collection of informative resources worth reading. - [9 Facts about Social Security](https://www.library-messages.com/8e0b3ab7-13cf-4cf6-9305-f3a594d5d050/resource-center/retirement/9-facts-about-social-security) - [Deciding When to Take Social Security](https://www.library-messages.com/8e0b3ab7-13cf-4cf6-9305-f3a594d5d050/resource-center/retirement/deciding-when-to-take-social-security) - [Traditional vs. Roth IRA](https://www.library-messages.com/8e0b3ab7-13cf-4cf6-9305-f3a594d5d050/resource-center/retirement/traditional-vs-roth-ira) - [9 Facts about Retirement](https://www.library-messages.com/8e0b3ab7-13cf-4cf6-9305-f3a594d5d050/resource-center/retirement/9-facts-about-retirement) - [A Cheat Sheet for sending your kid to College](https://www.library-messages.com/8e0b3ab7-13cf-4cf6-9305-f3a594d5d050/resource-center/lifestyle/a-cheat-sheet-for-sending-your-kid-to-college) - [Breaking Down the parts of Medicare](https://www.library-messages.com/8e0b3ab7-13cf-4cf6-9305-f3a594d5d050/resource-center/insurance/breaking-down-the-parts-of-medicare) **Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member [FINRA](http://www.finra.org/)/[SIPC](https://www.sipc.org/)).** Insurance products are offered through LPL or its licensed affiliates. Scott Credit Union (SCU) and SCU Retirement & Investment Services **are not** registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using SCU Retirement & Investment Services, and may also be employees of SCU. These products and services are being offered through LPL or its affiliates, which are separate entities from and are not affiliates of SCU or SCU Retirement & Investment Services. Securities and insurance offered through LPL or its affiliates are: ![LPL disclaimer image](https://www.scu.org/wp-content/uploads/2023/04/LPL-disclaimer-image.png "LPL disclaimer image - Scott Credit Union") \**The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.* **Upcoming Workshops:** - Social Security & Your Retirement: October 15, 2024 at 6 pm CST - Medicare: October 29, 2024 at 6 pm CST - Income For Life: November 5, 2024 at 6 pm CST - The 3 Transitions to Retirement: November 12, 2024 at 6 pm CST - Rollover Planning: December 2, 2024 at 6 pm CST - Rethinking Diversification: December 17, 2024 at 6 pm CST --- ### [Rates](https://www.scu.org/rates/) **Published:** January 8, 2023 **Author:** Chelsea Rogers **Content:** # 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. ## Checking Account Rates [Open a Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \[table id=22 /\] ## Current Personal Loan Interest Rates [Apply for a Personal Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) \[table id=7 /\] ## Motorcycles [Apply for a Vehicle Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) \[table id=31 /\] ## Motorsports & ATVs [Apply for a Vehicle Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) \[table id=8 /\] ## Auto Loan Terms by Year Model [Apply for a Vehicle Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) \[table id=9 /\] ## Boats, Campers, & RVs [Apply for a Vehicle Loan](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI6sB16zDkCm-tgR8zneqv59XG6sX33-JXEN6DlzHLspc) \[table id=10 /\] ## Savings Account Interest Rates [Open a Share Savings Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \[table id=15 /\] ## Credit Card Rates [Apply for a Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) \[table id=21 /\] ## Money Market Account Rates [Open a Money Market Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \[table id=16 /\] ## Share Certificate Dividend Rates [Open a Share Certificate Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) **Minor Certificate-Minimum Deposit $500.00** \[table id=17 /\] ## IRA Certificate of Deposit Rates [Open an IRA Certificate Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \[table id=18 /\] ## IRA Share Rates [Open an IRA Certificate Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \[table id=19 /\] --- ### [Pamela Kisembo - Mortgage Loan Originator](https://www.scu.org/pamela-kisembo-mortgage-loan-originator/) **Published:** August 25, 2026 **Author:** Jen Audetat **Content:** ![Pamela Kisembo Edits](https://www.scu.org/wp-content/uploads/2026/08/Pamela-Kisembo-Edits-239x300.png "Pamela - Scott Credit Union") **Cell Phone:** 618-659-7216 **Email:** <Pamela.Kisembo@scu.org> **NMLS #:** 2627381 **Serving:** Illinois and Missouri --- ### Contact Pamela Kisembo Today Ready to take the next step toward securing your dream home? Reach out to Pamela for expert guidance and personalized mortgage solutions. **Cell Phone:** 618-659-7216 **Email:** <Pamela.Kisembo@scu.org> [Apply With Pamela](https://idp.elliemae.com/authorize?site_id=6916104585&response_type=code&redirect_uri=https%3A%2F%2Fmortgage.scu.org%2Fborrower-app%2Flogin%2F%3Flar%3Dpkisembo%26workFlowId%3D80299%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D6916104585&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11178158&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2Fb3368ffd-f7dd-42d5-af30-5b28b8a578c5&logo_alt_text=Logo&bust=102&apiBaseUrl=https://api.elliemae.com) ## About Pamela Kisembo I’m a mortgage professional with nearly 20 years of experience helping individuals and families achieve their homeownership goals. Since entering the industry in 2008, I’ve been passionate about guiding borrowers through the mortgage process with honesty, clear communication, and personalized service. As an Army spouse, I’ve had the opportunity to live in several states including Virginia, Maryland, Georgia, and New Jersey before settling in Illinois with my husband of 22 years and our two children, Aniah and Ezra. Those experiences have given me a deep appreciation for the importance of finding the right place to call home. Whether you’re buying your first home, upgrading to your dream home, or refinancing, I’m committed to making the process as smooth and stress-free as possible. I look forward to helping you every step of the way. --- ### [Stephanie Ankrom - Mortgage Loan Originator](https://www.scu.org/stephanie-ankrom-mortgage-loan-originator/) **Published:** June 16, 2025 **Author:** Jen Audetat **Content:** ![Stephanie Headshot](https://www.scu.org/wp-content/uploads/2026/08/Stephanie-Headshot-240x300.png "Stephanie Headshot Original - Scott Credit Union") **Cell Phone:** 618-420-3217 **Email:** <stephanie.ankrom@scu.org> **NMLS #:** 2729593 **Serving:** Illinois and Missouri --- ## Contact Stephanie Ankrom Today Ready to take the next step toward securing your dream home? Reach out to Stephanie for expert guidance and personalized mortgage solutions. **Cell Phone:** 618-420-3217 **Email:** <stephanie.ankrom@scu.org> [Apply With Stephanie](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=sankrom&workFlowId=80299) ## About Stephanie Ankrom With a strong background in sales, banking, mortgage loan processing, and real estate, I bring over a decade of experience helping members navigate the home financing process. I’m committed to finding the right mortgage solutions for each individual and take pride in providing clear communication, honest guidance, and a smooth, personalized experience from start to finish. Since relocating to Highland, Illinois from the Pacific Northwest due to military service, over a decade ago, I’ve built lasting relationships in the community and the surrounding areas. Outside of work, I stay busy raising my five children and enjoy being actively involved in their school and extracurricular activities. It’s been a privilege to call this community home and to serve the people in it. --- ### [Jay Vasquez - Mortgage Sales Manager - Metro IL & St. Louis](https://www.scu.org/jay-vasquez-mortgage-sales-manager/) **Published:** June 16, 2025 **Author:** Jen Audetat **Content:** ![Jay Vasquez](https://www.scu.org/wp-content/uploads/2026/08/Jay-Vasquez-240x300.png "Headshot pic (1) - Scott Credit Union") **Cell Phone: 314-853-4765** **Email:** <jay.vasquez@scu.org> **NMLS #:** 1296039 **Serving:** Illinois and Missouri --- ### **Contact Jay Vasquez Today** Ready to take the next step toward securing your dream home? Reach out to Jay for expert guidance and personalized mortgage solutions. **Email:** <jay.vasquez@scu.org> [Apply With Jay](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=jvasquez&workFlowId=80299) --- ### [Interested in a Scott Credit Union Credit Card?](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) **Published:** August 25, 2026 **Author:** Jen Audetat **Content:** We are in the process of converting from Visa to Mastercard. During this time, we have removed online applications for SCU credit cards. Please fill out this form and you will be contacted by a Loan Center representative. If you have any questions, please contact us at 618-381-7300 or <LoanSupervisors@scu.org>. contact a Loan Center representative Name \* First Last \* Last Phone \* Email \* Current Member: \* Yes No Reason For Contacting: \* New Card Application Change to Existing Card Type Submit If you are human, leave this field blank. Δ --- ### [Accounts](https://www.scu.org/accounts/) **Published:** December 27, 2024 **Author:** Chelsea Rogers **Content:** # Thank You for Choosing Scott Credit Union ## Accounts [### Open a New Account Find the account that fits your needs ](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1&noencrypt=) [Start Here to open a Scott Credit Union Account](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1&noencrypt=) [### Open a Youth Account Membership accounts for ages 0-17 ](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) [Open an Account](https://app.loanspq.com/apply.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIRbfakDCF_Y0oAu3fvFHxcw) [### Existing Applications Check submitted application status ](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=scottcu072120&noencrypt=) [Check Status of existing application](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=scottcu072120&noencrypt=) ## Apply for a Loan [### Auto Loans Buy, lease or refinance your next vehicle ](https://app.loanspq.com/vl/VehicleLoan.aspx?lenderref=scottcu072120&) [Apply for a Loan](https://app.loanspq.com/vl/VehicleLoan.aspx?lenderref=scottcu072120&) [### Credit Card Apply for a new card or a line increase ](https://app.loanspq.com/cc/CreditCard.aspx?lenderref=scottcu072120&noencrypt=&l=1) [Apply for a Credit Card](https://www.scu.org/interested-in-a-scott-credit-union-credit-card/) [### Personal Loan Get access to funds you need ](https://app.loanspq.com/pl/PersonalLoan.aspx?lenderref=scottcu072120&) [Apply for a Personal Loan](https://app.loanspq.com/pl/PersonalLoan.aspx?lenderref=scottcu072120&) [### HELOC Apply for a home equity line of credit ](https://app.loanspq.com/he/HomeEquityLoan.aspx?lenderref=scottcu072120&noencrypt=) [Apply for a HELOC](https://app.loanspq.com/he/HomeEquityLoan.aspx?lenderref=scottcu072120&noencrypt=) [### Home Loan Unlock your dream home with a home loan ](https://www.scu.org/digital-banking/ "An Enhanced Digital Banking Experience") [Apply for a Home Loan](https://idp.elliemae.com/authorize?client_id=srtrz0d2&site_id=6916104585&response_type=code&redirect_uri=https%3A%2F%2Fmortgage.scu.org%2Fborrower-app%2Flogin%2F%3Flar%3Dmartin%26workFlowId%3D80299%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D6916104585&scope=ccbp%20cc&instance_id=be11178158&logo_url=https%3A%2F%2Fasset-service-bucket-prod.s3.us-west-2.amazonaws.com%2Fc36f233f-841a-493c-b2e7-821e8164f0ad&logo_alt_text=Logo&bust=993&apiBaseUrl=https://api.elliemae.com) ## Who Can Join? #### [You can join SCU if any of the following applies to you:](#collapse1732063586) - Anyone living or working in or with immediate family members living or working in Bond, Calhoun, Christian, Clinton, Cook, Crawford, DuPage, Effingham, Fayette, Franklin, Greene, Jackson, Jasper, Jefferson, Jersey, Macoupin, Madison, Marion, Monroe, Montgomery, Morgan, Perry, Randolph, St. Clair, Sangamon, Shelby, Washington, Will or Williamson counties in Illinois. - Anyone living or working in or with immediate family members living or working in St. Charles County, St. Louis County, and St. Louis City in Missouri. - Members’ immediate family, including any relative by blood or marriage or foster and adopted children. - Active or retired military of Scott AFB, including reserve components and civilian employees or retired civilian employees, and Scott AFB authorized personnel. #### [You can also join SCU if you meet the following eligibility requirements or are a member of:](#collapse876644569) - Employees and members of Sam’s Club of O’Fallon, IL - Employees of the Smurfit-Stone Corporation (formerly Jefferson-Smurfit), including Smurfit-Stone, - Container Division – Highland Plant, Highland, IL - Employees of the Simmons Law Firm, LLC - Employees of Graphics Packaging (formerly Altivity) in Pacific, MO - Brother Rice High School - Lady of Loretto Parish & School - Oak Lawn Community Church - Sam’s Club #6349 - Sam’s Club #8285 - School District 125, 143, or 145 - St. Bernadette Catholic Parish & School - St. Christopher Catholic Parish & School - St. John Fisher Parish & School - St. Margaret of Scotland Church - St. Walter Parish & School - St. Xavier University - The Oak Forest Chamber of Commerce - The Trinity Presbyterian Church #### [If you are a current employee of or retired from:](#collapse471267014) **Current Employee of :** - Aberdeen Contract Interiors, INC. - A-Bar Iron Fabricators, INC. - ADT (Formerly Security Link) - Air King Refrigeration, INC. - Arrow Equipment - Aurburn Plastic Engineering - City of Hometown - D.M. Dykstra & Co. - Dock’s Great Fish, INC. - EPCHS Sports Complex (Formerly EP Racquet and Fitness) - Evergreen Park - Flying Food Fare, INC. - Garden Center for the Handicapped - GC America, INC. - Graphics Packaging (Formerly Altivity) - Illinois Security Services - International Paper, INC. - Jackson-Hewitt Tax Service - JLM Chemicals - Kastalon, INC. - Kedvale Steel Corporation - Keyser (Formerly Florida Plastics) - Leo’s Dancewear, INC. - LeTip International, INC. - M.R. Glenn Electric, INC. - MCC Healthcare Services - Nabisco Brands - National Guardian - Nicor Gas (in the Glenwood, Kankakee, Paxton, Carthage, Crestwood, Joliet, Romeoville, or Morris offices) - Nicor Gas (in the Glenwood, Kankakee, Paxton, Carthage, Crestwood, Joliet, Romeoville, or Morris offices) - Oak Forest Park District - Precision Pump & Mechanical, LLC - Rheem - Sawing and Shearing Services, INC. - Signode Midwest Steel - Simmons Law Firm, LLC. - Smurfit-Stone Corporation (formerly Jefferson-Smurfit) - Smurfit-Stone, Container Division Highland Plant - Southwest Bar Association - Taylor Springs - Technical Industrial Services - Telcom (Midwest) - The City of Oak Forest Municipal Government - The former Oak Forest Credit Union - TLC Learning Center - Torvac, INC. - United Rentals, INC. - Veteran Administration West Side Hospital - Village of Chicago Ridge - Village of Evergreen Park - Village of Merrionette Park - Village of Midlothian - Village of Posen - Wabash Fibre Box Company - Employees or, spouses of persons who died while within the field of membership of The former Eastern Federal Credit Union; and Persons retired as pensioners or annuitants from the former Eastern Federal Credit Union; and members of the immediate family or household (03/05/99); - Veterans Administration West Side Hospital who work in Chicago, Illinois, including employees of, persons retired as pensioners or annuitants from, or spouses of persons who died while within the field of membership of the former Veterans Administration West Side Hospital Federal Credit Union; - Any employee of the Chicago Sun-times, Inc.; Sun-Times Company Hollinger, Inc. or subsidiaries of the Sun-Times Company, Inc.; - Any employee of Holy Cross Hospital, Chicago, IL; - Any full-time employee of Joseph T. Ryerson & Son, Inc., based in the greater Chicago Metropolitan area; - Any full-time employee of the former Ryerson Employees Credit Union; - Any non-union employee of or persons retired as pensioners or annuitants from Solo Cup Operating Company and the former Sweetheart Cup Corporation or Northwest Cone Company, a wholly owned subsidiary of Sweetheart Cup Corporation, who work in or are supervised from Chicago, IL; Employees of the former Sweetheart Cup Federal Credit Union; Employees of the former U.P.W.A. District I, Area 5 Credit Union. **Current Employee or Retired from:** - American Information Technologies (AMERITECH) or subsidiaries - Scott AFB, including reserve components and civilian employees or retired civilian employees - The United Food & Commercial Workers Union ## Find an SCU Location Near You Find local Scott Credit Union locations using the map feature below. [Search Thousands of Shared ATM Network Locations](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1) **Search Location Category Distance Range Radius: KM Status Loading... Number of Locations and ATMs: 0 PRINT ×#### Store Direction #### Get Your Directions × From: To: KM Mile GET DIRECTIONS #### LOCATE YOUR GEOPOSITION × LOCATE ×** --- ### [Debit Cards](https://www.scu.org/debit-cards/) **Published:** March 14, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Debit Cards ### Purchasing power with Visa Debit Cards from SCU With Scott Credit Union Debit Cards, you have the convenience of making purchases without the hassle of writing checks. It’s not a credit card; it’s a Visa Debit Card — a much easier way to pay with your checking account, gift card balance, or travel account. ![Welcome to your Mastercard Upgrade. A New Wave is Coming. Learn More](https://www.scu.org/wp-content/uploads/2026/08/Mastercard-Page-Header-scaled.png) [Banner & Featured Image](https://www.scu.org/wave/) ## Convenient Payment Options Everywhere You Shop ### **With Visa® Debit Card at SCU:** You can use the Scott Credit Union Debit Card to make purchases worldwide, anywhere you see the Visa logo. That’s more than 13 million retail merchants, including service stations, grocery stores, theaters, ticket outlets, restaurants, florists, and many others. ![person paying for cup of coffee](https://www.scu.org/wp-content/uploads/2024/06/Debit-Card-Payment-Option-4-512x489.png "Debit Card Payment Option 4") When you use your card to pay, the amount of your transaction is automatically deducted from your Scott Credit Union checking account. The Visa Debit Card is fast convenient and safe. The Visa Debit Card also works at 30,000 ATMs nationwide, allowing you to get quick cash, check balances, and transfer funds. **Deposits** **are available at Scott Credit Union ATMs.** If you received a new debit card recently, please **call 866-482-6930** to activate it. ### **Scott Credit Union Debit Cards offer the following benefits:** - All purchases you make with the card are free of any transaction fees - All transactions at Scott Credit Union ATMs are free - Use your debit card at 30,000 Co-Op ATMs (surcharge free) - Pay with your device from Apple, Samsung, or Google Pay Transactions at non-Scott Credit Union ATMs are subject to a nominal fee and possible surcharge1. Once you start using your Debit Card, you’ll wonder how on earth you ever got along without it. Your Visa Debit Card will come with a random-generated PIN (Personal Identification Number). You can stop by any Scott Credit Union office to customize the PIN, if you wish, at no additional cost. ## ATM Safety ### **Prevent debit card fraud by following these safety tips** Debit card fraud can happen to almost anyone. While it is difficult to protect yourself completely, we are working hard to make sure that you are protected. SCU offers the most up-to-date technology to help protect our members’ cards and accounts. We currently have several tools in place that are designed to protect you from card fraud. We are also asking for your help to protect your card. ![person on the phone holding their credit card](https://www.scu.org/wp-content/uploads/2023/03/Non-SCU-ATM-Safety-1.jpg "debit card page Non-SCU ATM Safety 1 - Scott Credit Union") ![person at the atm](https://www.scu.org/wp-content/uploads/2023/03/Non-SCU-ATM-Safety-2.jpg "debit card page - Non-SCU ATM Safety 2 - Scott Credit Union") ### **Scott Credit Union debit cards and credit cards offer convenience, and require you to take the following steps to prevent unauthorized use or fraud:** - Get into the habit of checking your accounts regularly. - Check every transaction to make sure you recognize it and that it was a transaction you performed. - Contact us if you find any suspicious activity on your account. - If you use your card at an unusual location from your normal activity, your card may be declined. Geographic limitations are often put on cards as a safeguard and more detail can be provided to you if you call and tell us you are traveling outside of the area. - If your card is declined when you perform a signature-based transaction, try running the transaction again using your PIN. The transaction may have been declined as a security precaution restricting transactions with your card. - Sign up for eAlerts in SCU Online that will inform you when transactions occur on your account. - Update your contact information with Scott Credit Union. We are unable to contact you about a suspicious charge unless we have your current phone number. - Copy the customer service phone number from the back of your debit or credit cards and keep this list in a separate location from your purse or wallet. - Avoid using ATMs that appear dirty or in disrepair. These ATMs may be fake machines set up to capture card information. - Do not use ATMs with unusual signage, such as a command to enter your PIN twice to complete a transaction. - Watch out for ATMs that appear to have been altered. If anything on the front of the machine looks crooked, loose or damaged, it could be a sign that someone attached a skimming device. - Avoid using the ATM if suspicious individuals are standing nearby. - Criminals may try to distract you as you use the machine to steal your cash, or watch as you type your PIN. - As you key in your PIN, cover the keypad with your other hand to block anyone, or a camera, from viewing the numbers you type. --- ### [Tricia Newton - Mortgage Loan Originator](https://www.scu.org/tricia-newton-mortgage-loan-originator/) **Published:** June 12, 2024 **Author:** Chelsea Rogers **Content:** **![](https://www.scu.org/wp-content/uploads/2024/05/Tricia-N-240x300.png "Tricia N - Scott Credit Union")** **Cell Phone:** 618-567-0288 **Email:** <Tricia.Newton@scu.org> **NMLS #** 502425 **Serving:** Missouri and Illinois Counties --- ## Contact Tricia Today Ready to take the next step toward securing your dream home? Reach out to Tricia for expert guidance and personalized mortgage solutions. [Apply With Tricia](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=tnewton&workFlowId=80299) ## About Tricia With over 15 years of experience in mortgage lending, I bring a deep understanding of the real estate market to my clients. Before transitioning to lending, I spent over a decade as a realtor in Madison County, giving me comprehensive insight into the entire real estate transaction process. A lifelong resident of Madison County, I have a deep appreciation for this community. I attended high school in Edwardsville and earned my bachelor’s degree from Greenville College. I currently reside in Alhambra, Illinois. I am proud to have two grown children and recently welcomed my first grandchild into the family. In my free time, I enjoy traveling, with Florida, Colorado, and Aruba being some of my favorite destinations. I specialize jumbo loans and assisting first-time homebuyers, securing grants, and navigating government loans. I am dedicated to helping you achieve your mortgage goals with expert guidance and personalized service. --- ### [Tony Bakalar - Mortgage Loan Originator](https://www.scu.org/tony-bakalar-mortgage-loan-originator/) **Published:** June 14, 2024 **Author:** Chelsea Rogers **Content:** ![](https://www.scu.org/wp-content/uploads/2024/05/Tony-B-240x300.jpg "xr:d:DAFhIjfGnO0:3,j:4250395563,t:23050818 - Scott Credit Union") **Cell Phone:** 314-503-7531 **Email:** <Tony.Bakalar@scu.org> **NMLS #** 228088 **Serving:** Missouri and Illinois Counties --- ## Contact Tony Today Ready to take the next step toward securing your dream home? Reach out to Tony for expert guidance and personalized mortgage solutions. [Apply With Tony](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=tbakalar&workFlowId=80299) ## About Tony I have been happily married to my wife, Cindy, for 38 years. Together, we have two wonderful daughters, Alex and Kerri. My most cherished moments are those spent with family and friends. I hold a bachelor’s degree in management and a master’s degree in business. I am fortunate to have a career I am deeply passionate about. For 38 years, I have been a mortgage loan originator, assisting thousands of individuals in Illinois and Missouri with purchasing and refinancing their homes. My approach is straightforward: I believe in simplicity, honesty, attentive listening, and consistent communication. At Scott Credit Union, we prioritize treating members with the utmost respect and consideration, valuing each person as more than just a number. It is an honor to assist and guide clients through the crucial process of securing a mortgage, knowing it can have a profound and positive impact on their lives. --- ### [Greg Bridgman - Mortgage Loan Originator](https://www.scu.org/greg-bridgman-mortgage-loan-originator/) **Published:** November 15, 2024 **Author:** Chelsea Rogers **Content:** **![Greg Bridgman](https://www.scu.org/wp-content/uploads/2024/11/Greg-Bridgman.png "MLO - Scott Credit Union")** **Cell Phone:** 618-830-7711 **Email:** <greg.bridgman@scu.org> **NMLS #:** 675488 **Serving:** Illinois and Missouri --- ### **Contact Greg Bridgman Today** Ready to take the next step toward securing your dream home? Reach out to Greg for expert guidance and personalized mortgage solutions. **Cell Phone:** 618-830-7711 **Email:** <greg.bridgman@scu.org> [Apply With Greg](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=gbridgman&workFlowId=80299) ### **About Greg Bridgman** July 13, 1992, marked the beginning of my adventure in helping people become homeowners (over 30 years ago, wow!). My previous 14 years as a preaching pastor aided me in understanding the stress of relocating to a new home and securing that dreaded home loan! When my wife and I purchased our homes, lenders did not explain how the process worked. We felt anxious, ignorant, and confused with no guidance. So, I determined when I became a home lender that I would use my background as an educator to inform my borrowers how the process works in everyday language. My passion to help people is the driving force behind the joy I find in making the homebuying process clear and understandable, to bring peace of mind to my borrowers. Born in Cairo, IL, I have lived much of my life in this state primarily in St. Clair County. I am blessed with a wonderful wife of more than 44 years. From our two adult daughters, we wound up with six grandsons (no precious granddaughter for my wife to purchase frilly dresses for). When I am not working, I am busy being “granddaddy” and preaching at First Christian Church in Chester, IL each Sunday morning. With so many years in home lending, I have extensive experience in all forms of home loans from VA, FHA, USDA, Conventional and Jumbo loans. Since “no one size shoe fits all,” my aim is to listen to your financial plan for housing and make recommendations for the best loan programs to fit your needs. If you are seeking a lender who will make you laugh, help you become well informed, and respected, then I look forward to serving you soon! --- ### [Donna Harris - Mortgage Loan Originator](https://www.scu.org/donna-harris-mortgage-loan-originator/) **Published:** June 12, 2024 **Author:** Chelsea Rogers **Content:** ![Donna Harris picture](https://asset-service-bucket-prod.s3.us-west-2.amazonaws.com/d4bf794c-57f2-4534-b110-c5d5bc88c1a0) **Cell Phone:** (314) 761-8896 **Email:** <Donna.Harris@scu.org> **NMLS #:** 915267 **Serving:** Missouri and Illinois Counties --- ### **Contact Donna Today** Ready to take the next step toward securing your dream home? Reach out to Donna for expert guidance and personalized mortgage solutions. [Apply With Donna](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=dharris&workFlowId=80299) ### **About Donna Harris** Donna Harris is a seasoned Mortgage Loan Officer with a passion for helping individuals secure their dream homes. With 22 years of experience in originating residential home loans, Donna has honed her expertise in tailoring mortgage solutions that perfectly align with her clients’ unique needs. Her approach revolves around clear communication and a keen understanding of the diverse financial landscapes her clients navigate. Donna’s adeptness at comprehensively assessing individual requirements allows her to match customers with the ideal mortgage products, ensuring a smooth and personalized loan processing experience. Throughout her career, Donna has fostered strong relationships with clients and stakeholders, prioritizing transparency and reliability. Her commitment extends beyond securing a mortgage; she aims to provide exceptional service that builds trust and forges lasting partnerships with her clients, positioning herself as their trusted mortgage advisor for years to come. Donna’s business thrives on referrals from satisfied clients, a testament to her unwavering dedication to member satisfaction. She values these referrals as the backbone of her success, recognizing them as a testament to her commitment to excellence in service delivery. In the dynamic and complex world of mortgages, Donna Harris stands out as a professional who not only understands the intricacies but also excels in guiding her members toward their homeownership goals with expertise, integrity, and a personalized touch. --- ### [Andrea Thompson - Mortgage Loan Originator](https://www.scu.org/andrea-thompson-mortgage-loan-originator/) **Published:** October 23, 2024 **Author:** Chelsea Rogers **Content:** **![Andrea Thompson Image](https://www.scu.org/wp-content/uploads/2024/10/MLO-253x300.png "MLO - Scott Credit Union")** **Cell Phone:** 618-292-9798 **Email:** <andrea.thompson@scu.org> **NMLS #:** 1484316 **Serving:** Illinois and Missouri --- ### Contact Andrea Thompson Today Ready to take the next step toward securing your dream home? Reach out to Andrea for expert guidance and personalized mortgage solutions. **Cell Phone:** 618-292-9798 **Email:** <andrea.thompson@scu.org> [Apply With Andrea](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=athompson&workFlowId=80299) ## About Andrea Thompson With over 8 years of experience and a passion for mortgage lending, Andrea Thompson has successfully helped numerous clients secure the financing they need to achieve their homeownership dreams. Committed to making the mortgage process smooth and stress-free, Andrea provides personalized solutions tailored to each client’s unique financial situation. Believing in the value of long-term relationships, she continues to support clients well beyond the closing table. Known for her quick responsiveness and dedication to finding the best loan options, Andrea ensures clients feel guided every step of the way—whether they are first-time homebuyers, upgrading, or refinancing. A 2005 graduate of Vandalia Community High School, Andrea went on to earn a bachelor’s degree in business from Greenville College in 2012. She currently resides on 5 acres in Patoka, Illinois, where evenings are often spent by the pool or fishing at the pond with her husband, two children, dog, and two cats. When not at home, Andrea enjoys spending time at the ball field, cheering on her children in their many activities. --- ### [About](https://www.scu.org/about/) **Published:** November 29, 2022 **Author:** Chelsea Rogers **Content:** # About Scott Credit Union Together, credit union members and employees can have a positive impact on our community’s financial wellness. At SCU, we’re with you for every stage of your financial journey. With 23 locations and digital banking that goes wherever you do – we’re always With You. ### History Founded in 1943, we provide financial services for individuals and businesses. [READ MORE »](#history "Read More <span class="visuallyhidden">about our history</span>") ### Community Scott Credit Union supports the communities where we live and work. [READ MORE »](#community "Read More <span class="visuallyhidden">about our community</span>") ### Team Our employees have a heart for serving our neighbors and members. [MORE DETAILS »](#team "Read More <span class="visuallyhidden">about our team</span>") ### Resources We focus on education to improve financial literacy and equitable opportunity. [MORE DETAILS »](#resources "Read More <span class="visuallyhidden">about our resources</span>") ## Our History SCU has grown to serve generations of members in 32 counties in Missouri and Illinois. For more than 80 years, we have served our members as a not-for-profit financial cooperative with banking services and competitive interest rates. Our members join SCU as owners and enjoy [the benefits of credit union membership](https://mycreditunion.gov/about-credit-unions/credit-union-different-than-a-bank), including financial education and guidance for every stage of life and business. Founded in 1943 by and for civilian employees at [**Scott Field (now Scott Air Force Base)**](https://www.scott.af.mil/), we are now a full service financial institution providing financial services for individuals in 32 counties throughout Missouri and Illinois. Credit and debit cards Over 30,000 free ATMs nationwide New and used vehicle loans Free checking accounts with interest Mortgage loans Unsecured lines of credit Certificates Savings and investments Free online banking Free online bill paying Mobile banking and remote deposit And More! --- ![Adult on orange background pointing her finger to her left](https://www.scu.org/wp-content/uploads/2023/03/SCU-Quarterly-Financials.jpg "SCU Quarterly Financials - Scott Credit Union") ## SCU Annual Financial Snapshot: 2025 ![calendar](https://www.scu.org/wp-content/uploads/2022/11/icon-1.png) 0 + Number of Members ![icon-2](https://www.scu.org/wp-content/uploads/2022/11/icon-2.png) $ 0 Loans, Net ![icon-3](https://www.scu.org/wp-content/uploads/2022/11/icon-3.png) $ 0 Member Deposits ![icon-4](https://www.scu.org/wp-content/uploads/2022/11/icon-4.png) $ 0 Total Assets [Complete financial statements are available from the NCUA Website](https://mapping.ncua.gov/CreditUnionDetails/66370) [View the 2025 Annual Meeting Report](https://flipbookpdf.net/web/site/5a949c926474ee183045d384f158a7c70dd89572FBP41506952.pdf.html) [View the Full 2025 Audit Report](https://www.scu.org/wp-content/uploads/2026/03/Scott-CU-Certified-Audit-2025-Board-Report.pdf) ## Our Community ### Together, credit union members and staff impact the communities we serve. Your experience with Scott Credit Union is about more than money; it’s about getting the most value for your money and building better financial futures. Our Board of Directors consists of members who are volunteers. They provide strategic direction, driven by our members’ needs. Credit unions typically pay more interest on savings, charge lower rates on loans, and help members avoid many of the fees that banks charge their customers. In addition, SCU is committed to serving the communities where we live and work. ## Scott Credit Union Community Impact SCU has a long tradition of supporting the communities we serve in the Chicago, Illinois and St. Louis, Missouri metro areas. The Scott Credit Union Community Foundation was established in 2018 to expand our reach and amplify community support. ### With You Program A primary focus of the **[Scott Credit Union Community Foundation](/community-foundation/)** is to support initiatives at local schools. The With You Grants Program was created in 2020, giving schools the opportunity to apply for funding to complete projects. Since 2020, the Foundation has allocated over $507,000 to a variety of school projects. **In 2025, the SCU Community Foundation allocated $150,000 for the With You Grants Program.** Congratulations to the 2025 Grant Recipients! [Learn More About The With You Program](/community-foundation/) [See Past Recipients](https://www.youtube.com/watch?v=Gbu40BPlp64) “Alone, we can do so little; together, we can do so much.” - Helen Keller --- --- ## SCU Community Partners Scott Credit Union staff and members also support local charities, sponsor a variety of community sports teams, and promote scholastic endeavors within the 32 counties we serve. - [100+ Women Who Care from the 618](https://www.facebook.com/groups/wwcfromthe618/) - [126th Air Refueling Wing](https://www.126arw.ang.af.mil/) - [375th Force Support Squadron](http://www.375fss.com/) - [American Cancer Society](http://www.cancer.org/) - [American Heart Association](https://www.heart.org/) - [Anderson Hospital](https://www.andersonhospital.org/) - [Edwardsville Arts Center](https://www.edwardsvilleartscenter.com/) - [Edwardsville Children’s Museum](https://edwcm.org/) - [Fisher House St. Louis](http://www.fisherhouseinstl.org/) - [Gateway Arch Park Foundation](https://www.archpark.org/) - [Gateway Motorsports Park](https://wwtraceway.com/) - [Gateway Region YMCA](https://www.gwrymca.org/) - [Girls Inc. of St. Louis](https://www.girlsincstl.org/) - [Illinois Center for Autism](http://www.illinoiscenterforautism.org/) - [Inspire Up Foundation](http://www.inspireupfoundation.org/) - [It’s Not Too Late Scholarship](https://intlscholarship.com/) - [Lewis & Clark Community College](https://www.lc.edu/) - [Madison County Child Advocacy Center](https://www.madisoncountyil.gov/departments/child_advocacy_center/index.php) - [McKendree University](http://www.mckendree.edu/) - [Mission St. Louis](https://www.missionstl.org/) - [Nurses for Newborns](https://www.nursesfornewborns.org/home/missouri-2/) - [Rebuilding Together St. Louis](http://www.rebuildingtogether-stl.org/) - [Songs4Soldiers](https://songs4soldiersstl.org/) - [Southern Illinois University Edwardsville](http://www.siue.edu/) - [Southwestern Illinois College](http://www.swic.edu/) - [Special Olympics Illinois Area 12](http://www.ilso.org/area/index.php?area=12) - [St. Elizabeth’s Hospital](http://www.steliz.org/) - [St. Louis Blues](https://www.nhl.com/blues) - [United Way of Greater St. Louis](https://helpingpeople.org/) - [USO Missouri](https://www.usomissouri.org/) ### Our Team Volunteer Incentive Program #### Our employees are really VIPs! Scott Credit Union’s Volunteer Incentive Program (VIP) is a unique program that rewards staff members for their volunteer hours in the community. Since the program launched in 2008, Scott Credit Union employees have generously worked almost 24,000 hours for various community and philanthropic events. At SCU, community service brings us together. Credit union employees have a heart for serving our neighbors and members. [Explore SCU Careers](/careers/) “The Volunteer Incentive Program (VIP) at SCU is a wonderful way to get involved with the community. It represents a chance to create an impact that goes beyond my everyday responsibilities. “Being Volunteer of the Year, is not just about the recognition for the hours that I have given. It shows the kindness, teamwork and willingness to give back. I’m grateful for the chance to contribute and be part of something meaningful.” **– Melissa Molitor** *2024 VIP of the Year* ![Scott Credit Union Donating 5000 Dollars](https://www.scu.org/wp-content/uploads/2023/03/Creating-a-Foundation-for-Giving-Back-image.jpg "Creating a Foundation for Giving Back image - Scott Credit Union") ## Requesting Support from SCU SCU has contributed almost **$3.7 million** and encouraged employee volunteerism for a variety of local civic efforts and financial education. We have increased our community involvement and focus on education to improve financial literacy and equitable opportunity throughout the region we serve. If your group, organization, or event needs support, please contact the Scott Credit Union Community Relations team to submit a request at least four weeks prior to your event. We look forward to supporting the causes you value, building up our community together. Credit union membership is truly more than financial services at SCU. [Event Request Form](https://scu.kadince.com/external/forms/972bc8400c5d1392b01503471cd97e20) ![2 adults looking at a laptop taking notes with financial documents in front of them](https://www.scu.org/wp-content/uploads/2023/04/vehicle-loans-Debt-Protection-image.jpg "vehicle loans -Debt Protection image - Scott Credit Union") ## Financial Literacy Education Education is a top priority for Scott Credit Union. Explore SCU’s free programs for students in Kindergarten through 4th grade. Stop by your local SCU branch anytime with your child(ren) to learn more about education and financial programs that can help them learn about making smart money choices. You may also set up SCU speaking at your event by contacting the community relations team. [View Financial Literacy Programs](/youth-young-adult/#financial-education) ![Tean putting hands in at a huddle](https://www.scu.org/wp-content/uploads/2023/03/MoneyWise.png "about page: MoneyWise - Scott Credit Union") ## MoneyWise MoneyWise was originally created through a partnership with the Girl Scouts of Southern Illinois to help Daisy and Brownie troops earn badges. This workbook teaches students to identify coins and bills, distinguish between needs and wants, and determine ways to save, share, and spend money they have earned. [Download the Moneywise Workbook](/documents/Scott-Credit-Union-Moneywise-Workbook.pdf) ![Students studying](https://www.scu.org/wp-content/uploads/2023/03/Area-education-partnerships-and-scholarships.png "about page:Area education partnerships and scholarships - Scott Credit Union") ## Area education partnerships and scholarships We are a proud partner of **[**Lindenwood University**](https://www.lindenwood.edu/), [**McKendree University**](http://www.mckendree.edu/), [**Southern Illinois University Edwardsville**](http://www.siue.edu/),** and [**Southwestern Illinois College**](http://www.swic.edu/), as well as many area elementary, middle, and high schools. In addition, we partner with the [**Southwestern Illinois College Foundation**](https://estorm.swic.edu/psc/estorm/EMPLOYEE/SA/c/NUI_FRAMEWORK.PT_AGSTARTPAGE_NUI.GBL?CONTEXTIDPARAMS=TEMPLATE_ID%3aPTPPNAVCOL&scname=ADMN_SCHOLARSHIPS&PTPPB_GROUPLET_ID=SW_SCHOLARSHIPS&CRefName=SW_SCHOLARSHIPS_NAV) and [**Lewis & Clark Community College Foundation**](https://lc.academicworks.com/opportunities/3522) to offer a $1,000 scholarship to each college. Please visit their websites for more information. ## SCU is With You ### We encourage you to learn more about how we can save you money on banking services. At Scott Credit Union anyone living or working in one of the 32 counties we serve is invited to open an account and enjoy the benefits of belonging to a neighborhood credit union. Membership doesn’t cost a dime, and SCU only requires a minimum savings account balance of $5.00 as your membership share. Join the 152,000 plus members we serve, and experience the benefits of credit union membership. ***Get started today!*** [Learn More About SCU History](/history/) [Become A Member of Scott Credit Union](/membership/) --- ### [Personal Checking](https://www.scu.org/personal-checking/) **Published:** February 23, 2023 **Author:** Chelsea Rogers **Content:** # SCU Personal Checking Accounts ### Credit union bank account solutions with no monthly fees ![Welcome to your Mastercard Upgrade. A New Wave is Coming. Learn More](https://www.scu.org/wp-content/uploads/2026/08/Mastercard-Page-Header-scaled.png) [Banner & Featured Image](https://www.scu.org/wave/) ## Your SCU Checking Account ### **CREDIT UNION RATES, BENEFITS, AND DEBIT CARD CONVENIENCE** Your checking account is the center of your financial life. That’s why Scott Credit Union bank accounts with no monthly fees are the perfect checking account solution, so you can save money while avoiding the bank fees. ***No bank catches. No kidding.*** Take a look at the accounts we offer, choose the ones that are right for you, and select your optimal checking account. Credit union checking accounts include Visa debit card access and easy online and mobile banking access, so you can use and manage your account anytime, anywhere. ![personal checking- Become A Member Today image](https://www.scu.org/wp-content/uploads/2023/04/personal-checking-Become-A-Member-Today-image.jpg "personal checking- Become A Member Today image - Scott Credit Union") ## SCU Checking Accounts [Open a Share Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) \[table id=22 /\] ## CashBack Checking Account Get paid for the shopping you already do with our CashBack Checking Account! You can earn up to $120 cash back a year just by meeting a couple simple requirements. - Sign up to receive eStatements instead of paper statements. - Have 25 debit card transactions posted and cleared by the end of the last business day each month. CashBack Checking also comes with no minimum balance requirement and functions as a free account if you have accepted electronic statements. Plus, you can manage your account anywhere and anytime with Digital Banking. Get rewarded to shop with a CashBack Checking Account. \*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. \*\*$2 paper statement fee applies if not enrolled in eStatements [Open a CashBack Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [View Rates](https://scu.org/rates/#debit-card-rates) ![CashBack Checking Website Image](https://www.scu.org/wp-content/uploads/2025/06/CashBack-Checking-Website-Image.png "CashBack Checking Website Image - Scott Credit Union") ## eXtreme Checking Account Our eXtreme Checking Account gives you the ability to have a checking account with no monthly fee plus earn interest when the minimum requirements are met! Earn a premium rate on your eXtreme Checking balances up to $25,000 when you meet these simple requirements: - Sign up to receive eStatements instead of paper statements. - Have 12 debit card transactions posted and cleared by the end of the last business day each month. Even if you don’t meet the minimum requirements, your eXtreme Checking account will still function with no monthly fee and pays interest at a lower rate. [View current Scott Credit Union interest rates.](/rates/#debit-card-rates) [Open an eXtreme Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [View Rates](https://scu.org/rates/#debit-card-rates) ![Gentleman with a scott credit union card smiling while holding his phone](https://www.scu.org/wp-content/uploads/2023/04/personal-checking-eXtreme-Checking-Terms.jpg "personal checking - eXtreme Checking Terms - Scott Credit Union") ## Regular Checking Account A Regular Checking account at Scott Credit Union offers a secure and convenient banking experience. This free checking account allows you to manage your money, monitor spending, and access your funds anywhere and anytime. you’ll also enjoy peace of mind with no minimum balance requirements, monthly fees, and overdraft protection. Additional features: - Free Online bill pay - Blues card and check options - eAlerts & eStatements - Free Mobile Deposit - Overdraft Protection - Compatible with Apple, Samsung or Google Pay [Open a Regular Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [View Rates](https://scu.org/rates/#debit-card-rates) ![personal checking - EPIC Checking Terms](https://www.scu.org/wp-content/uploads/2023/03/personal-checking-EPIC-Checking-Terms.jpg "personal checking - EPIC Checking Terms - Scott Credit Union") ## Student Checking Account Empower your kids with financial literacy in a safe, controlled environment. With a Scott Credit Union Student Checking Account, teens and young adults get the freedom to manage their own money while parents keep peace of mind through built-in safeguards. Exclusively for ages 13–22, this account makes it easy for young members to start building healthy financial habits. For those under 18, parents or guardians can be joint account holders and enjoy convenient tools like online monitoring and quick transfers. Why choose SCU’s Student Checking Account? - No minimum balance - No monthly fees - No paper checks to manage - Text alerts for low balance ($50 & $10) - Leave with a debit card in hand when you open the account at any SCU location - 24/7 account safety monitoring Start your teen’s financial journey with the safety and support of a Scott Credit Union Student Checking Account. [Open a Student Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb&_gl=1%2Ab64n8v%2A_gcl_au%2AMTQyODE5ODAzNy4xNzQ3MzM5ODAy%2A_ga%2AOTYyOTE0ODgwLjE3NDczMzk4MDI.%2A_ga_B0G6MQ5G1Q%2AczE3NTMyOTU0MTkkbzEzNSRnMSR0MTc1MzI5NTkxMyRqMTEkbDAkaDA) [View Rates](https://scu.org/rates/#debit-card-rates) ![Student Checking Website Image](https://www.scu.org/wp-content/uploads/2025/08/Student-Checking-Website-Image.png "Student Checking Website Image - Scott Credit Union") ## St. Louis Blues Checking Terms Show your love for the Blues and get a Blues branded debit card with any of our checking accounts – for free! All you have to do is choose the checking account that works best for you. When prompted, just check “yes” that you would like St. Louis Blues branding on your debit card. It’s that simple to have an account that screams, “Let’s Go Blues!” [Learn About the Blues Card](/blues/) [View Rates](https://scu.org/rates/#credit-card-rates) ![Mockups for Web 01 (1)](https://www.scu.org/wp-content/uploads/2026/01/Mockups-for-Web-01-1-scaled.png "Mockups for Web 01 (1) - Scott Credit Union") ## Protect Yourself from Overdraft with SCU Ready Reserve 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. - Low APR on competitive rates. [View the current Scott Credit Union interest rates](/rates/#debit-card-rates) - Helps in an emergency - There for unexpected expenses - Avoid overdraft (NSF) charges ![1](https://www.scu.org/wp-content/uploads/2022/11/1-635x380.jpg "1") ### How it Works 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. Take advantage of the easy repayment plan. The amount you owe will be 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 the link below. Choose “Personal Loan” then select the “Ready Reserve Overdraft Protection” option to complete the application. [Apply Now](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) ## Pay Anywhere WITH SCU VISA® DEBIT CARDS With Scott Credit Union’s Visa Debit Card, you have the convenience of making purchases without the hassle of writing checks. It’s NOT a credit card. It’s our debit card — a much easier way to use your checking account. Open an account and get your Visa Debit Card today. You can use it anywhere you see a Visa logo. Plus, use it at ATMs to get cash and access your account balance. Transactions at non-Scott Credit Union ATMs may incur fees and surcharges. [Get a Debit Card](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb) [View ATM Locations](https://www.scu.org/locations/) *Your Visa Debit Card will come with a randomly generated PIN (Personal Identification Number). Follow the instructions with your card to activate it. You can stop by any Scott Credit Union office to customize your PIN for free.* ![personal checking - Pay Anywhere](https://www.scu.org/wp-content/uploads/2023/04/personal-checking-Pay-Anywhere.jpg "personal checking - Pay Anywhere - Scott Credit Union") ### Debit Card Safety **WHEN USING YOUR VISA DEBIT CARD AT A NON-SCU ATM** - When you use another financial institution’s ATM, it is important to make sure your transaction is complete before you drive or walk away. - Many ATMs will show a message after you have taken your money and receipt that says “Would you like to make another transaction?” If you fail to press “No” and the next person uses the ATM right away, the ATM still thinks it is in your session. When the next person enters their PIN, the machine is still looking for your PIN. - The person using the ATM after you will not be able to access your accounts, but this can cause your card to be locked because the ATM thinks an invalid PIN has been entered. - So, please remember to answer “No” if the ATM screen asks you if you would like to perform another transaction. Then, verify that the ATM returns to its welcome screen to confirm that your transaction is complete. **PREVENT AND REPORT DEBIT CARD FRAUD** - Debit card fraud can happen to almost anyone. While it is difficult to protect yourself completely, we are working hard to make sure that you are protected. - SCU offers the most up-to-date technology to help protect our members’ cards and their accounts. - As a card user, there are also steps you can take to prevent fraud. First, get into the habit of checking your accounts regularly. You should check every transaction to make sure you recognize it and that it was a transaction you performed. It is important that you don’t just look at large transactions. Some fraudsters will target small amounts across a number of accounts. It is also very important that you contact us if you find any suspicious activity on your account. You will not be held accountable for fraudulent charges on your account. - **To [report your Visa Debit Card lost or stolen](https://consumer.ftc.gov/articles/lost-or-stolen-credit-atm-debit-cards), or to report fraudulent activity,** call Domestic: (800) 754-4128 or International: (727)-227-9012 (outside of the USA). **Report Credit Card Lost/Stolen** (866) 839-3485 #### **ADDITIONAL TIPS FOR PROTECTING YOUR CREDIT AND DEBIT CARDS** - If you use your card at an unusual location from your normal activity, your card may be declined. Geographic limitations are often put on cards as a safeguard and more detail can be provided to you if you call and tell us you are traveling outside of the area. - If your card is declined when you perform a signature-based transaction, try running the transaction again using your PIN. The transaction may have been declined as a security precaution restricting transactions with your card. - Sign up for eAlerts in SCU Online that will inform you when transactions occur on your account. - Update your contact information with Scott Credit Union. We are unable to contact you about a suspicious charge unless we have your current phone number. - Copy the customer service phone number from the back of your debit or credit cards and keep this list in a separate location from your purse or wallet. - Avoid using ATMs that appear dirty or in disrepair. These ATMs may be fake machines set up to capture card information. - Do not use ATMs with unusual signage, such as a command to enter your PIN twice to complete a transaction. - Watch out for ATMs that appear to have been altered. If anything on the front of the machine looks crooked, loose or damaged, it could be a sign that someone attached a skimming device. - Avoid using the ATM if suspicious individuals are standing nearby. - Criminals may try to distract you as you use the machine to steal your cash, or watch as you type your PIN. - As you key in your PIN, cover the keypad with your other hand to block anyone, or a camera, from viewing the numbers you type. As always, we welcome you to contact our Member Service Center at (618) 345-1000 with any questions about your account. Our representatives would be happy to talk with you and to discuss ways we can help you avoid fraud on your debit card. --- ### [Security](https://www.scu.org/security/) **Published:** March 29, 2023 **Author:** Chelsea Rogers **Content:** # Security ## Protect yourself and your finances from Imposter Scams. Scammers are using financial institution employee names to try to defraud members of the public. This may include a phone or video call or an email from an imposter claiming to be an SCU or other U.S. government official. Please remember: - Don’t share sensitive information – Avoid sharing Social Security numbers, Personal Identification Number (PIN), account information, or credit card numbers with people you don’t know. - If it sounds too good to be true, it probably is – If someone is trying too hard or pressuring you, you can always walk away or hang up. If it seems fishy, trust your gut! Watch SCU’s videos on [Avoiding Scams](https://www.youtube.com/watch?v=bIHaAqNFRYI&t=3s) and [Create a Strong Pin](https://www.youtube.com/watch?v=m6atxuJYWOc&list=PLvs16TWcdBGPagPYEWZYRCbXXGyE__jvC&index=4) for more tips. At Scott Credit Union, one of our top priorities is to protect your money and your personal financial information. We need your help in this effort, so we created this page to give you tips on how to best protect yourself from fraud and scams as new technology becomes available. As technology continues to improve and become more sophisticated, so do the tactics through which criminals attempt to steal people’s identity and information. Debit card fraud also has become more prevalent. We have systems in place to detect fraudulent activity in an effort to minimize fraud on our members’ accounts. However, we also feel it is important to arm all of our members with as much information as possible to help you protect your money and personal financial information from fraudsters. The following information includes details of current scams as well as information about how to best monitor your accounts for fraudulent activity. Please review the information so you can best protect your accounts and your personal information. ## Fraud Alerts #### [+ Telephone Text Message Phishing Scam](#collapse421810497) Please be aware of a scam that is circulating through phone calls and text messages with the phone number of the recipient’s financial institution. The individual is informed there has been fraud on their account, and they need to provide their online user ID and password to stop the transactions. Others are being asked for their debit card information. Additionally, they are told they will not have account access for 24 hours. If you receive such a call or message **DO NOT GIVE OUT YOUR INFORMATION. WE WILL NEVER REQUEST YOUR USER NAME AND PASSWORD AT ANY POINT IN TIME.** Do not share your information with anyone. If you are unsure of a text or call hang up and call our member service team directly at (618) 345-1000 . #### [+ Imposter Scams](#collapse1897057969) 1. Scammers are using financial institution employee names to try to defraud members of the public. 2. The latest phone and video scams may include: 3. A phone or video call or an email from an imposter claiming to be an SCU or other U.S. government official. 4. Messages or calls notifying you of an opportunity to participate in a class-action lawsuit, or that you’ve won a lawsuit or owe money you didn’t expect. 5. Being told you must first pay taxes or another upfront fee to collect the money. They may continue to find “reasons” for you to pay more fees or taxes. It is all part of the scam. 6. If you believe you have received one of these calls, hang up immediately and DO NOT give out any of your personal information. If it seems fishy, trust your gut! ## Ways protect yourself. 1. **Don’t share sensitive information** – Avoid sharing Social Security numbers, account information, or credit card numbers with people you don’t know. 2. **Never pay upfront for a promised prize** – If you’re told you must pay fees or taxes to receive a prize, it’s a scam. 3. **If it sounds too good to be true, it probably is** – If someone is trying too hard or pressuring you, you can always walk away or hang up. 4. Watch SCU’s [Avoiding Scams](https://www.youtube.com/watch?v=bIHaAqNFRYI&t=3s) video for more tips. #### [+ Debit Card Skimming](#collapse875168964) Fraudsters can use a special scanner to collect data off a debit card that can later be used to make unauthorized purchases. Often, the person owning the card has no idea that their information has been compromised. These debit card scanners can be installed on ATMs or gas station pumps and many are virtually undetectable. A camera or magnetic device set up nearby can then capture the PIN entered by the victim. The PIN and the card number collected from the scanner give the fraudster all the information he needs. The victim is unaware his information has been compromised until he notices strange and usual purchases made on his account. **Recommendations:** - Be wary of any stand-alone ATM. Obviously there are plenty of legitimate ones, but look around and be suspicious of an ATM that isn’t bolted to the side of a building or secured inside a facility. A legitimate ATM is heavy and not easy to move. Also, beware of stand-alone ATMs that advertise “no fees,” since most legitimate owners of stand-alone ATMs have to charge fees to make money. - Avoid ATMs if the access door or any part of the machine is broken. If the lock on the door to the room accessing the machine is broken, beware and don’t use the machine. A fraudster may have forced open the door to install a skimming device. - Beware of “out of service” signs. If your ATM has a “out of service” sign, it could be legitimate — or it could be trying to get you to use another nearby ATM that had been compromised. - Report “malfunctions” immediately. If you get an error message instead of money, contact your financial institution immediately. - Access your account on line and frequently monitor your transaction activity. Take a few minutes every week to log onto your accounts and review your transactions. Report bogus transactions immediately. #### [+ Email Phishing Scam](#collapse246892956) Email phishing is one type of fraud. Scott Credit Union has been made aware of emails being received by our members. This email refers to a failed direct deposit. Within the email is a link that requires you to open for more information. Any links or attachments could cause unwanted viruses and/or take you to a site that may ask for personal information to obtain the information referred to in the email. **PLEASE REMEMBER:** SCU will never request personal and/or private information by email nor do we randomly send emails to our members that include attachments or links. Do not open any emails and or attachments that you yourself did not request. Do not provide private and/or personal information by email as this can be a way for criminals to get your information. If you have any questions about any emails you may have received from Scott Credit Union, please contact our Member Service Center at 618-345-1000 or toll free at 1-800-888-4728. #### [+ Credit Card Scam](#collapse203016652) A common credit card scam is being used to gain people’s credit card information so they can purchase items fraudulently. Please be aware of the scam and avoid giving any information. The scammers provide YOU with all the information, except the one piece they want. Note, the callers do not ask for your card number; they already have it. By understanding how the Telephone Credit Card Scam works, you’ll be better prepared to protect yourself. The scam works like this: Caller: This is (name), and I’m calling from the Security and Fraud Department at VISA. My Badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I’m calling to verify. This would be on your VISA card which was issued by (name of financial institution). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona?’ When you say ‘No’, the caller continues with, ‘Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?’ You say ‘yes’. The caller continues – ‘I will be starting a fraud investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number. The caller then gives you a 6 digit number. ‘Do you need me to read it again?’ Here’s the IMPORTANT part on how the scam works. They will then ask you for the 3-digit security code on the back of your card. There are 7 numbers; the first 4 are part of your card number, the next 3 are the security numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he’ll say, ‘That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?’ After you say No, the caller then thanks you and states, ‘Don’t hesitate to call back if you do’, and hangs up. You actually say very little, and they never ask for or tell you the Card number. What the scammers want is the 3-digit PIN number on the back of the card. Don’t give it to them. Instead, tell them you’ll call VISA or Master card directly for verification of their conversation. The real VISA will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you’re receiving a credit. However, by the time you get your statement you’ll see charges for purchases you didn’t make, and by then it’s almost too late and/or more difficult to actually file a fraud report. The scam is being performed by fraudsters saying they are from both Visa and Master Card. #### [+ ZeusBot (or ZBot) Attacks](#collapse104512080) ZeusBot (or ZBot) is malicious software that is bypassing top Anti-Virus / Malicious software scanners. Once your computer is infected, it waits for you to login to your online banking. When you login, it records your information and creates a pop-up that asks you to further verify your account by entering your credit card information. All information gathered is sent back to the attackers. Even if you do not enter additional information when prompted, the damage is already done because your online banking login has been compromised. The only solution for victims to this type of fraud is to shut down your computer, change your online banking account passwords, look for changes to your account, and delete and restore all computer content. #### [+ Internet Browsing Safety](#collapse1595305293) There are many risks when you browse the Internet. It is important that you take some simple steps to assure that you are accessing web sites, including your online accounts, in the safest way possible. It is very important that you have up-to-date antivirus, anti-spyware and anti-malware programs installed on any devices you are using. We also warn you against accessing your Scott Credit Union accounts on a public computer. Examples of a public computer would be ones at work, a library, or school that other people use to browse the Internet. These computers can be risky because they could be infected with malware designed to capture your personal or financial information when you login to your accounts. As always, we remind you to be vigilant when using the Internet. We welcome you to call or email us if you have any questions regarding the security of your online account access. If you encounter an online scam, or anything that appears suspicious, please notify us by calling the **Scott Credit Union Member Service Center at (618) 345-1000 or toll free at (800) 888-4728** or email memberservice@scu.org. ## Identity Theft #### [+ Protect Yourself & Your Identity](#collapse1491900345) This page gives you information on how to Deter-Detect-Defend against Identity Theft. If you think you have been a victim of Identity Theft, [click here](https://consumer.ftc.gov/features/identity-theft) for what you need to do right away. #### [+ Do's & Don'ts](#collapse1480686795) **DO:** - Shred all personal and financial information — such as bills, bank statements, ATM receipts, and credit card offers — before you throw it away. - Keep your personal documentation (e.g., birth certificate, Social Security card, etc.) and your bank and credit card records in a secure place. - Call the post office immediately if you are not receiving your mail. To get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded. - Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM. - Limit the number of credit cards and other personal information that you carry in your wallet or purse. - Report lost or stolen credit cards immediately. - Review and consider whether you need currently inactive card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution. - Closely monitor the expiration dates on your credit cards. Contact the credit issuer if the replacement card is not received prior to your credit card’s expiration date. - Sign all new credit cards upon receipt. - Review your credit reports annually. - Use passwords on your credit cards, bank accounts, and phone cards. Avoid using the obvious passwords — your mother’s maiden name, your birth date, or the last four digits of your Social Security or phone number. - Match your credit card receipts against monthly bills to make sure there are no unauthorized charges. **DON’T:** - Volunteer any personal information when you use your credit card. - Give your Social Security number, credit card number, or any bank account details over the phone unless you have initiated the call and know that the business that you are dealing with is reputable. - Leave receipts at ATMs, bank counters, or gasoline pumps. - Leave envelopes containing your credit card payments or checks in your home mailbox for postal carrier pickup. - Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords. - Disclose bank account numbers, credit card account numbers or other personal financial data on any Web site or online service location, unless you receive a secured authentication key from your provider. \*Note – Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to commercial credit cards, ATM transactions or PIN transactions not processed by Visa. Cardholders must notify card issuers promptly of any unauthorized use. Consult issuer for additional details or [visit www.visa.com/security.](http://usa.visa.com/personal/security/index.html) **Dumpster Diving:** - Thieves rummage through trash to find bills, credit card offers, or other papers that include your personal information. **Lifting Information from Receipts and Records:** - One of the easiest ways a thief can obtain a person’s credit card number or other vital information is by taking advantage of carelessness. For example, you have just signed your receipt at the restaurant and you have left it there for the waiter/waitress. A thief can stop by the table, and copy down your information. In fact, the way technology is today, the thief can take a picture using the camera on his or her phone! **Information from Credit Reports:** - Some identity thieves pose as a landlord, employer or someone else who may have a legitimate need for your credit report. Once they pull the credit report, they are able to retrieve your personal data, including credit card numbers, history, employment, and much more information. **Phishing:** - Phishing is also referred to as brand spoofing or carding. It is a variation of “fishing,” in that the thief puts out the bait in hopes that some will be tempted to partake. In a phishing scam, the thief sends thousands of e-mails that appear to come from sites that you trust (e.g., Scott Credit Union). These messages, pop-up windows, and even the websites they link to appear to be official and legitimate. However, in the phishing scams, the link is not to an official website, but rather to a phony website. Once inside that website, you may be asked to provide a Social Security number, account numbers, passwords, or other information. When you provide the information, the thieves can begin to access your accounts or assume your identity. [Click here](https://www.ftc.gov/bcp/edu/microsites/idtheft/) for more information on how to Deter-Detect-Defend against Identity Theft. ## What To Do If You Suspect A Scam - Stop contact with the scammer. Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back. - Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions. - Change your passwords. This includes passwords for your bank, credit card, social media, and email account, etc. to try to limit further unauthorized access. Make sure to use a strong password. ### **Report It!** - Report imposter scams to the [Federal Reserve Office of the Inspector General ](https://oig.federalreserve.gov/secure/forms/hotline) - Report consumer scams to the [Federal Trade Commission ](https://reportfraud.ftc.gov/#/) - **Report Debit Card Lost/Stolen** - Domestic: (800) 754-4128 - International: (727)-227-9012 (outside of the USA) - **Report Credit Card Lost/Stolen 866- 839-3485** ## Your Money Is Safe Each member’s deposits at Scott Credit Union are federally insured to at least $250,000 by the **National Credit Union Administration**. Additionally, Individual Retirement Account (IRA) deposits are insured separately to $250,000. The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions and insures savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. ![ncuaart_001](https://www.scu.org/wp-content/uploads/2023/03/ncuaart_001.gif "ncuaart_001") ## Social Media Scott Credit Union currently uses social media as a way to increase brand awareness, advertise specific products, and to continue the credit union mission of “people helping people” through financial education. We encourage anyone to provide us feedback about Scott Credit Union through our social media sites. When communicating through social media, please remember: ### **We will never…** - ask you for any information such as account number, social security number, or date of birth. - ask for any transaction information that may appear on your account. ### **We will always…** - request that conversations which could disclose personal information be taken off of social media to protect the confidentiality of your information. - listen to any and all feedback that you have about Scott Credit Union whether it is positive or negative. Please remember that it is very important that you never post any personal financial information to any social media site. If you have a comment or question for us, be careful not to post any personal financial information. We are extremely careful to secure your personal data. Social media sites have become an integral part of many people’s daily online lives. They are a great way to stay connected with others, but you should be wary about the information you post. The rise in social media’s popularity has also lead to an increase in the number of unsavory people on the sites. Scammers, hackers, virus writers, identity thieves, and other criminals can use information posted to social networks. Here are some tips for you to protect yourself when using social media sites: #### [+ Social Media Tips](#collapse1155511086) - Click links with care. A common way for these criminals to gain access to your social media account or information is by sending you messages with fraudulent links in them. As a general rule, if you are not expecting a link via social media from someone, do not click on it. If someone sends you an unexpected link, verify with the person who sent it that it is legitimate. - Don’t trust that a message is really from who it says it is from. Hackers can break into accounts and send messages to people connected to that person. When in doubt about links in a message, refer to the first bullet point in this section. - Be selective about who you connect with on social media. Identity thieves and hackers can use the information you post on social media against you. - Be mindful of what you post and what questions you answer. When setting up profiles for many different online accounts, it is common for them to ask you security questions in order for you to recover your account if the information is lost. Identity thieves and hackers can use this information to reset your password to one of their choice. Whenever possible, choose to write your own security questions and make them answers not found online. - Assume anything you publish on a social media site is permanent. Even if you delete your account, in many cases, the information you published on social media is still stored on the site. In addition, anyone who can view your photos and/or information can easily take a screen shot or save the information another way. - Be careful installing third party applications. Third party applications can be a great addition to social media sites, but they can also open loopholes for criminals to gain access to your private information, including your password. ## Official SCU Text Message Updates Scott Credit Union may send text messages to help keep members informed about certain account-related, fraud/security, and service-related matters. These may include fraud verification alerts, security notices, system availability updates, or other important account-servicing communications. ### **Protecting Yourself from Text Scams** Fraudsters may send fake text messages, also known as smishing, that appear to come from SCU or another trusted financial institution. These messages may try to pressure you into clicking a link, calling a number, or sharing personal or financial information. **What to keep in mind:** - SCU will never ask for sensitive information by text. We will never text asking for your Digital Banking password, PIN, full debit or credit card number, full Social Security number, or account login credentials. - Legitimate fraud verification texts are limited. SCU fraud alert texts will generally ask you to confirm whether a transaction was authorized, such as replying YES or NO. - Be cautious with follow-up calls. SCU will not call after sending a fraud text and pressure you to provide sensitive account information or login credentials. If you are unsure whether a call or text is legitimate, hang up and contact SCU directly at (618) 345-1000. - When in doubt, contact SCU directly. Do not use phone numbers or links from a message you are unsure about. Contact SCU directly at (618) 345-1000 or visit [scu.org/security](http://scu.org/security). ### **If You Receive a Suspicious Text or Call** Do not click links, reply to the message, or provide personal information. Contact SCU directly at (618) 345-1000 so we can help verify whether the message is legitimate. ## Related Blogs [How To Recognize And Protect Yourself From Scams](https://www.scu.org/how-to-recognize-and-protect-yourself-from-scams/ "How To Recognize And Protect Yourself From Scams") [Q&A: What is a Fraud Ring and How Can I Keep Myself Safe?](https://www.scu.org/qa-what-is-a-fraud-ring-and-how-can-i-keep-myself-safe/ "Q&A: What is a Fraud Ring and How Can I Keep Myself Safe?") [Everything You Need to Know About Cybersecurity](https://www.scu.org/everything-you-need-to-know-about-cybersecurity/ "Everything You Need to Know About Cybersecurity") [Scam Alert: Don’t Get Caught in a Social Security Scam](https://www.scu.org/scam-alert-dont-get-caught-in-a-social-security-scam/ "Scam Alert: Don’t Get Caught in a Social Security Scam") ## Related Videos --- ### [Careers](https://www.scu.org/careers/) **Published:** February 20, 2023 **Author:** Chelsea Rogers **Content:** ![career pages header desktop. Top work places 2025. st louis post dispatch. Top work places 2024. USA Today](https://www.scu.org/wp-content/uploads/2025/06/career-pages-header-desktop.png) ![career pages header desktop. Top work places 2025. st louis post dispatch. Top work places 2024. USA Today](https://www.scu.org/wp-content/uploads/2025/06/careers-page-header-mobile.png) # Scott Credit Union Careers ### **At Scott Credit Union, We Truly Value Our Employees.** At Scott Credit Union, we truly value our employees. While our buildings convey the Scott Credit Union name that our members know to trust, it’s the faces inside that make it much more than a place of business. These faces represent the promise that we will help each member build better financial futures, in the simplest manner possible, all while getting to know members personally by name and not by a number. Credit unions were built upon a “people helping people” philosophy. Not only do our employees help their members and fellow teammates, they are dedicated to helping the local communities that support us. At Scott Credit Union, we encourage our employees to volunteer in our local communities that so diligently support us. If you are an energetic, hard-working individual with a passion to help others, we encourage you to explore career opportunities with the Scott Credit Union team. We believe you’ll find a career at Scott Credit Union to be rewarding and enjoyable, providing [a workplace you’re proud to call your own.](https://www.stltoday.com/business/local/winners-of-the-2022-top-workplaces-awards/article_5c1a80ac-b2cb-5ebd-83e5-5d7f39d3b72e.html#tracking-source=in-article) ![Top Work places 2023-2025 Innovation](https://www.scu.org/wp-content/uploads/2025/06/Innovation.jpeg "Innovation - Scott Credit Union") ![Financial Services. Industry Top Work places 2023-2025](https://www.scu.org/wp-content/uploads/2025/06/Financial-Services.jpeg "Financial Services - Scott Credit Union") ![Top Work places 2023-2025 Work Life Flexibility](https://www.scu.org/wp-content/uploads/2025/06/Work-Life-Flexibility.jpeg "Work Life Flexibility - Scott Credit Union") ![Scott Credit Union's Culture Badge. 2025 top 25% supportive managers](https://www.scu.org/wp-content/uploads/2025/06/c236344b-4996-4887-a293-cf2108d4cdd0-1.png "c236344b 4996 4887 a293 cf2108d4cdd0 (1) - Scott Credit Union") ![I love my job because "i have the opportunity to learn and work with people who value perspective." "I have more abilities to learn and grow in my department and the opportunities for advancement is always available to me." "i get to grow and learn daily. Leadership has an open door policy, and eager to assist when needed."](https://www.scu.org/wp-content/uploads/2025/06/Quotes-Vertical.png "Quotes (Vertical) - Scott Credit Union") [### CAREER OPPORTUNITIES Chicago ](https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=0529491f-2e1b-47df-b802-44073fb9f456&ccId=9200144514665_2&lang=en_US) [### CAREER OPPORTUNITIES St. Louis & Metro East ](https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=0529491f-2e1b-47df-b802-44073fb9f456&ccId=19000101_000001&type=JS&lang=en_US) ### MISSION: ### Members. Value. Community ### PURPOSE To make a positive impact on those we serve. ### VISION Building Better Financial Futures ## Values ### Accountability I take pride and ownership in all I do ### Diversity I support the diverse and inclusive work environment that is fostered by Scott Credit Union. ### Growth I will pursue professional development with the encouragement of Scott Credit Union ### Integrity I will maintain the highest ethical standards ### Service Excellence I am devoted to "WOW"ing members and each other through the 3e Promise ## Scott Credit Union Benefits ### Paid Time Off ### Life Insurance ### Cafeteria Plan Options ### Paid Short Term Disability *Paid Short Term Disability available for Full-Time employee*s ### Paid Maternity Leave *Paid Maternity Leave available for Full-Time employees* ### Employee Assistance Programs ### Pet Insurance ### Flexible Spending Account (FSA) *Flexible Spending Account (FSA) Available for Full-Time employees* ### Wellness Program & Annual Health Fair #### [Medical Insurance](#collapse1718774106) **Medical Insurance** Employee Only Employee + 1 Employee & Family Members *Available for Full-Time Employees and Family Members.* **PPO 1 Plan Monthly Rate** $205.00 $500.00 $615.00 **PPO 2 Plan Monthly Rate** $50.00 $300.00 $400.00 #### [Dental Insurance](#collapse428831800) **Dental Insurance** Employee Only Employee + Spouse Employee + Child(ren) Employee + Family *Available for Full-Time and Part-Time Employees and Family Members.* **Monthly Rate** $7.03 $14.06 $17.00 $21.03 #### [Vision Plan](#collapse1932832745) **Vision Plan** Employee Only Employee + 1 Employee + Children Employee + Family *Available for Full-Time and Part-Time Employees and Family Members.* **Monthly Rate** $5.78 $8.91 $9.00 $14.60 ### See our comprehensive Benefit Guide to learn more about the many benefits of Scott Credit Union employment. [See All SCU Benefits](https://pub.marq.com/Scottcreditunion2026e-Guide/#_0) ## Additional Perks of SCU Jobs ### **What Makes Working for SCU Even Better** In addition to Health and Wellness Benefits, we also offer our employees extra perks for being an employee and a member of Scott Credit Union. ### 11 Paid Holidays ### 401k with Employer Match ### Educational Reimbursement Program after 6 Months of Employment ### Employee & Family Sponsored Events ### Dress for Your Day Dress Code ### Exclusive Access to Discounted Tickets to Shows, Concerts, Games, Amusement Parks, and Other Items ### Discounts on Scott Credit Union Services ![Career Page: Additional Perks of SCU Jobs group around table image](https://www.scu.org/wp-content/uploads/2023/03/Additional-Perks-of-SCU-Jobs.jpg "Career Page: Additional Perks of SCU Jobs group around table image - Scott Credit Union") Scott Credit Union is an Equal Opportunity and Affirmative Action Employer. [Contact Human Resources](#contact-human-resources) [Review SCU’s EEO and AAP Statement](/documents/EEO-and-AAP-2021.pdf) ## IMPORTANT HEALTH COVERAGE TAX DOCUMENTS In accordance with the Paperwork Burden Reduction Act and IRS regulations, Scott Credit Union is not required to automatically furnish Form 1095-C (Employer-Provided Health Insurance Offer and Coverage) for the calendar year unless it is requested. This form provides important information about the health coverage offered to you by Scott Credit Union and may be needed when you file your federal income tax return. If you were a full-time employee or eligible for coverage under Scott Credit Union’s employer-sponsored health plan during the prior calendar year, you can request a copy of your Form 1095-C at any time before October 15, 2026. You may request your Form 1095-C using one of the following methods: Email: <Payrollgroup@scu.org> Phone: 618-345-1000 Mail: Attn Payroll Group, 101 Credit Union Way, Edwardsville, IL 62025 Upon request, Scott Credit Union will provide your Form 1095-C by the later of: - January 31 of the year following the calendar year the form relates to, or - 30 days after we receive your request This notice will remain available on this website through October 15, 2026 to allow you time to request your Form 1095-C. Please direct all questions to Payroll Group at <payrollgroup@scu.org>. Note: You do not need Form 1095-C to file your tax return, but it is recommended that you retain a copy for your records. ## Become an SCU VIP ### **And Earn Even More Rewards for Giving Back** Scott Credit Union created a community Volunteer Incentive Program (VIP) to show how important community involvement is to us and to encourage our staff to volunteer their time supporting local efforts. We offer our staff a chance to win prizes for volunteering. We’re proud of our staff for all that they do to give back to the community, and we show our support and gratitude for their service with tangible rewards. [See Why Giving Back is Important at SCU](/community/) ## Join the SCU Community ### **And Join a Culture of Neighbors Helping Neighbors** Scott Credit Union has made giving back to its communities a major priority. In the past fifteen years, we donated nearly $3.9 million and employees volunteered nearly 25,000 hours to a variety of local community events and organizations throughout the region. We realize that without our members and the communities in which we serve, we would not exist as a financial alternative. [See Our Community Impact](/community/) EOE/M/F/Disability/Vet ## Contact Human Resources Contact Human Resources Name \* Enter your name Email \* Enter your e-mail address Phone Number Enter your phone number Submit Message \* Type your questions or comments above If you are human, leave this field blank. Δ --- ### [Community Heroes](https://www.scu.org/community-heroes-loans/) **Published:** June 29, 2026 **Author:** Jen Audetat **Content:** # 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, vehicle loans, and signature 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. [View Rates](https://www.scu.org/rates/ "Rates") ![mortgage loans](https://www.scu.org/wp-content/uploads/2026/06/mortgage-loans.png) ### [**Mortgage Loans**](https://www.scu.org/loans/#mortgage) ![vehicle loans](https://www.scu.org/wp-content/uploads/2026/06/vehicle-loans.png) ### [**Vehicle Loans**](https://www.scu.org/loans/#vehicle-loans) ![personal loans](https://www.scu.org/wp-content/uploads/2026/06/personal-loans.png) ### [**Signature**](https://www.scu.org/loans/#consumer-loans) **Loans** ## 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. [Apply Now](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) [Learn More](https://www.scu.org/mortgage/#community-heroes) ²Requirements vary by program and underwriting. ³Other funding sources may be required; requirements vary by program and underwriting. ![United States Soldier with kids](https://www.scu.org/wp-content/uploads/2026/06/AdobeStock_482608304-scaled.jpeg "AdobeStock 482608304 - Scott Credit Union") ## 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, vehicle 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 vehicle loan brought over from another lender. [Apply Now](https://app.loanspq.com/vl/VehicleLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIVXSCEQeANM0h_8QNOgrfZQ) [Learn More](https://www.scu.org/vehicle-loans/) ⁴Actual rate and APR may vary. ⁵Lower rate may depend on credit profile and current loan terms. ![medical worker driving car](https://www.scu.org/wp-content/uploads/2026/06/AdobeStock_728314375-scaled.webp "AdobeStock 728314375 - Scott Credit Union") ## Signature Loans for Community Heroes ***Affordable Signature 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 signature loans for teachers, signature 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 eligible signature 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 [Apply Now](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) [Learn More](https://www.scu.org/loans/) ⁶Actual rate and APR may vary. ⁷Subject to credit approval and underwriting criteria. ![Teacher with his students](https://www.scu.org/wp-content/uploads/2026/06/AdobeStock_52158784-scaled.webp "AdobeStock 52158784 - Scott Credit Union") ## Community Heroes Frequently Asked Questions What is the Scott Credit Union Community Heroes Program?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. Who qualifies as a "Community Hero" for these discounts?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. Can I combine the Community Heroes rate discount with other SCU discounts?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. Are there any loan types that do not qualify for the 0.25% rate discount?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 vehicle loans, personal loans, and mortgages. For qualified borrowers, and subject to underwriting and program guidelines. Do I have to put 20% down for a Community Heroes Mortgage?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. Can I use this program if I am a first-time homebuyer?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. What documentation do I need to provide to get the discount?To apply the Community Heroes benefits to your mortgage, vehicle, or signature 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. [Mortgage Loans](https://www.scu.org/mortgage/#connect) [Signature & Vehicle Loans](https://www.scu.org/loans/#contact-personal-loan) *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.*** --- ### [Member FAQs](https://www.scu.org/member-faqs/) **Published:** August 24, 2023 **Author:** Chelsea Rogers **Content:** # Welcome to Scott Credit Union ### At SCU, we’re With You! With You through every phase of your financial journeys, providing guidance and solutions that support you, your family, and our community. ## Making the Most of Your Scott Credit Union Account Thank you for choosing Scott Credit Union! Below, you’ll find important information about your new SCU account, how to access easy and convenient online tools, services available to you as a valued member, and our commitment to supporting our communities. If you have any additional questions, please contact the [SCU Member Contact Center.](https://www.scu.org/contact/) [### Account Information ](/member-faqs/#account-information) [### Online Tools ](/member-faqs/#online-tools) [### Member Services ](/member-faqs/#services) [### Community ](/member-faqs/#community-commitment) [### Questions ](/member-faqs/#questions) ## Account Information #### [Account Number](#collapse1368406765) Your account number, also known as the MICR number, is located at the bottom of your checks. It is used for setting up direct deposits and automatic withdrawals from your accounts. This number can also be found with [SCU Digital Banking](https://www.scu.org/digital-banking/). Follow the below steps to locate your 13-digit account number: **How to Find Your Account Number on the SCU Digital Banking App:** 1. Log in to the SCU Digital Banking App 2. Select the checking or savings account you need 3. Click “Show Details” 4. Locate your 13-digit Checking or Savings Account Number **How to Find Your Account Number on Desktop:** 1. Log into [SCU Digital Banking](https://digital.scu.org/Authentication) 2. Select the checking or savings account you need 3. Click the “Account Details” tab 4. Locate your 13-digit Checking or Savings Account Number #### [Member Number](#collapse576351605) Your member number is a unique 7-digit number, which is also the last part of your account (MICR) number. This number is used to identify your account for online registration and for in-person transactions. This number can also be found under the “Details and Settings” tab of each account in Online and Mobile Banking. #### [Routing Number](#collapse1995745709) 281077522 #### [Deposits by Check](#collapse1907055759) Our general policy is to make funds deposited via check available on the second business day after we receive the deposit. In some cases, however, we place a hold on these funds and delay availability for up to 7 business days. You can read the Funds Availability Policy [here](https://www.scu.org/wp-content/uploads/2024/01/FundsAvailabilityPolicyDisclosure.06.17.2021-2.pdf). ![Example image of a check](https://www.scu.org/wp-content/uploads/2023/08/Page-banner-1-1024x347.png "Parts of the check - Scott Credit Union") ## Digital Banking Tools #### [SCU Digital Banking](#collapse1979407164) As [digital banking](https://www.scu.org/digital-banking/) continues to become more important to our members, Scott Credit Union is excited to announce an enhanced digital banking platform. You can enjoy free1 access to your account anytime, anywhere, 24/7 on your computer or mobile device. You can view balances, see transaction history, deposit a check with Mobile Deposit, pay bills, make a transfer and more. Check out our [Digital Banking Checklist](https://www.scu.org/wp-content/uploads/2025/01/Digital-Banking-Checklist-Scott-Credit-Union.pdf) and [Digital Banking User Guide](https://mcompany.cld.bz/Scott-Credit-Union-Digital-Banking-User-Guide) for more information. 1Your mobile service provider may charge Internet access fees. Web access is needed for SCU Mobile. Check with your service provider for details on specific fees and charges for mobile internet access. #### [SCU Online Bill Pay](#collapse1235262456) Save time and money by using the free SCU Online Bill Pay to pay your bills. You can also set up auto pay to ensure you never miss a payment. Get started by visiting [Digital Banking](https://www.scu.org/digital-banking/). #### [Digital Banking User Guide](#collapse2091405341) We offer a [Digital Banking User Guide](https://mcompany.cld.bz/Scott-Credit-Union-Digital-Banking-User-Guide) on everything from online basics, setting up preferences, adding notifications and alerts, establishing automatic payments, and how to make your loan payment. You can also learn how to set up your online account and adjust your preferences. #### [Financial Education](#collapse1460301468) Unlock Your Financial Potential with Scott Credit Union’s [Financial Literacy Programs](https://www.scu.org/financial-literacy/)! At Scott Credit Union, we believe in the power of financial education. That’s why we’re dedicated to providing our members with the tools and knowledge they need to achieve their financial goals. #### [Blog](#collapse1374275576) [The SCU blog](https://www.scu.org/blog/) covers a wide range of topics related to personal finance, banking, and credit union services. Whether you’re looking for budgeting and money saving tips, insights on how to protect yourself against scammers, guidance on managing your credit and more, our blog has you covered. #### [Follow SCU on Social Media](#collapse1044798880) Follow us on social media to become a part of our community on [Facebook](https://www.facebook.com/ScottCreditUnion/), [Twitter](https://twitter.com/ScottCU), [Instagram](https://www.instagram.com/scottcreditunion/), [YouTube](https://www.youtube.com/channel/UCEHkIX3LKsrzScSH_atb8Zg) and [LinkedIn](https://www.linkedin.com/company/scott-credit-union/). You’ll gain access to the latest updates, news, and exclusive content. We can’t wait to connect with you! #### [Write a Review](#collapse395019379) Your feedback is very important to us. We’d love to hear why you chose SCU and more about your experience in a Google review. Be sure to rate and review SCU in [the St. Louis area](https://www.google.com/maps/place/Scott+Credit+Union/@38.7881745,-90.4785587,15z/data=!3m1!4b1!4m6!3m5!1s0x8875ff9c3d977c7f:0x5f0719218e7d0702!8m2!3d38.7949335!4d-89.8868357!16s%2Fg%2F1w0p6cy8?entry=ttu) or in [the Chicago area](https://g.page/r/CbD_3M7t4d_6EB0/review). #### [Update Your Contact Information](#collapse1338507797) To help protect your account and ensure you receive important account notifications, verify your contact information is up-to-date. **How to Review and Update Your Information** 1. Log in to [SCU Digital Banking](https://www.scu.org/online-services/ "SCU Digital Banking") through your computer or mobile app. 2. Select the **person icon** in the top-right corner. 3. Click **Settings**. 4. Navigate to the **Contact** section. 5. Review your information. 6. If changes are needed, click the appropriate field, update your information, and select **Save**. 7. Select a verification method (email, text message, or phone call) and enter the verification code sent to you to confirm your changes. *If your information is already correct, no further action is needed.* ## Services Available to You as a Valued Member #### [Loan Payments](#collapse427312163) Making loan payments at Scott Credit Union is easy and convenient.2 Here are the options available to you: - Transfer funds from your Scott Credit Union checking or savings account to your Scott Credit Union loan using SCU Online or [SCU Mobile](https://www.scu.org/online-services/). - Make an online payment from your account at another financial institution by visiting our [Payment Center](https://web.baconpay.com/gate/login?institutionId=bca286c7-c920-436a-a375-b22338b51327). You can also set up convenient [recurring ACH payment options](https://www.scu.org/loans/#loan-payment). - Pay over the phone using a debit card from an account at another financial institution by calling [(800) 636-5465](tel:8008884728). (Please note that a $10 fee applies for this service). 2For vehicle loans, we do not charge a prepayment penalty. We do require that you keep comprehensive and collision (full) coverage on your auto with no more than a $1,000 deductible. #### [NCUA Insurance](#collapse498800182) NCUA Insurance offers valuable protection for your deposits. It means that your total deposits at Scott Credit Union are federally insured by the National Credit Union Administration (NCUA) to at least $250,000. #### [CO-OP ATM Network Locations](#collapse1666320979) Now you can get cash surcharge-free at more ATMs than ever. SCU members can visit any of nearly 30,000 ATMs that display the CO-OP logo. Whether you’re across town, or far from home, you’re never far from your money. - Use surcharge-free ATMs at places like 7-Eleven®️, Circle K®️, Costco®️, Publix®️, Dunkin Donuts®️, and many regional convenience store locations. - Locate an ATM wherever you are—through any of our easy locator tools, including phone, mobile app, text messaging or Internet **Find a surcharge-free ATM right now at**[ **co-opatm.org**](http://www.co-opatm.org) **or call (888) 748-3266.** Look for the CO-OP logo at participating branches and ATMs. Learn more about how the [CO-OP Shared ATM Network](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1) works. ![CoOp ATM](https://www.scu.org/wp-content/uploads/2023/06/CO-OP-ATM-Logo-150x150.jpg "CO-OP ATM Logo - Scott Credit Union") #### [SCU Insurance Agency](#collapse910455786) For over 80 years, Scott Credit Union has been dedicated to offering competitive rates and diverse financial products to meet the needs of our members and community. SCU Insurance Agency extends this commitment by providing a seamless and efficient way to secure insurance coverage for what matters most to you. We make getting insurance simple and stress-free! ## Our Commitment to Our Communities **Scott Credit Union Community Foundation** The Scott Credit Union Community Foundation is a 501(c)3 organization that focuses on education through scholarships and our very own With You grant program for local schools. The foundation also supports unbudgeted causes as needs arise within our communities. [Discover more about our community foundation](https://www.scu.org/community-foundation/). **Community Involvement** Our employees love to give back! Our team is encouraged to volunteer at their favorite community or philanthropic events and earn rewards in the process. Plus, in celebration of our 80th year, we committed to completing 80 Acts of Kindness in 2023. [Check out our 80 Acts of Kindness](https://www.scu.org/80-acts-2/) SCU employees planted trees, cleaned up local parks, donated supplies, paid off school lunch debt, and more. **Community Partners** Founded at Scott Air Force Base, Scott Credit Union partners with military and veteran organizations as a priority focus of our community involvement. We also take pride in supporting first responders who protect our communities. Since 2008, Scott Credit Union has contributed nearly $3.9 million to support the communities we serve. [Learn more about the organizations we support and our community partners](https://www.scu.org/community/). - [ ![Scott Credit Union Gardening](https://www.scu.org/wp-content/uploads/2023/05/MicrosoftTeams-image-35-scaled-e1708974164439.jpg "MicrosoftTeams-image (35) - Scott Credit Union")](https://www.scu.org/wp-content/uploads/2023/05/MicrosoftTeams-image-35-771x1024.jpg) - [ ![Scott Credit Union Food Donation](https://www.scu.org/wp-content/uploads/2023/06/Scotty.jpg "Scotty - Scott Credit Union")](https://www.scu.org/wp-content/uploads/2023/06/Scotty.jpg) - [ ![Scott Credit Union Check Donation](https://www.scu.org/wp-content/uploads/2023/06/p.jpg "p - Scott Credit Union")](https://www.scu.org/wp-content/uploads/2023/06/p-1024x768.jpg) ## Digital Banking Tools **Security Resources** At Scott Credit Union, one of our top priorities is to protect your money and your personal financial information. We need your help in this effort, so we created this page to give you tips on how to best protect yourself from fraud and scams as new technology becomes available. As technology continues to improve and become more sophisticated, so do the tactics through which criminals attempt to steal people’s identity and information. Debit card fraud also has become more prevalent. We have systems in place to detect fraudulent activity in an effort to minimize fraud on our members’ accounts. However, we also feel it is important to arm all of our members with as much information as possible to help you protect your money and personal financial information from fraudsters. The following information includes details of current scams as well as information about how to best monitor your accounts for fraudulent activity. Please review the information so you can best protect your accounts and your personal information. **Related Blogs** [How To Recognize And Protect Yourself From Scams](https://www.scu.org/how-to-recognize-and-protect-yourself-from-scams/ "How To Recognize And Protect Yourself From Scams") [Q&A: What is a Fraud Ring and How Can I Keep Myself Safe?](https://www.scu.org/qa-what-is-a-fraud-ring-and-how-can-i-keep-myself-safe/ "Q&A: What is a Fraud Ring and How Can I Keep Myself Safe?") [Everything You Need to Know About Cybersecurity](https://www.scu.org/everything-you-need-to-know-about-cybersecurity/ "Everything You Need to Know About Cybersecurity") [Scam Alert: Don’t Get Caught in a Social Security Scam](https://www.scu.org/scam-alert-dont-get-caught-in-a-social-security-scam/ "Scam Alert: Don’t Get Caught in a Social Security Scam") **Related Videos** ## Questions? If you have any questions, you can reach us through our [live chat option](https://hq-webchat.scu.org/I3Root/Chat4/livechat.html) or [email](https://www.scu.org/contact/#member-contact-center). You can also call our Member Contact Center at (618) 345-1000. Our representatives are available Monday through Friday from 8 am to 6 pm CT, and on Saturday from 9 am to 1 pm CT. If you’d like to speak with a representative in-person, please visit any of [our locations](https://www.scu.org/locations/). **Report Debit Card Lost/Stolen** Domestic: (800) 754-4128 International: (727)-227-9012 (outside of the USA) **Report Credit Card Lost/Stolen** (866) 839-3485 --- ### [Contact SCU](https://www.scu.org/contact/) **Published:** February 23, 2023 **Author:** Chelsea Rogers **Content:** # Contact SCU Member Support ### We are here to help you! Find the Scott Credit Union phone number and more member support options below. ## SCU Wants to Hear from You We appreciate our members and welcome your questions, suggestions, compliments and concerns so we can provide you with exceptional service. If you are looking for assistance with your accounts or simply want to let us know how we are doing, we have several ways that you can contact us. *1.* #### Link In Bottom Right Chat with Member Service [*2.*](#send-us-a-question) [](#send-us-a-question) #### Email Support Team [Send an Email](#member-contact-center) *3.* [](tel:6183451000) #### Call (618) 345-1000 [Call Scott Credit Union](tel:6183451000) *For the safety of your information we cannot provide account and loan specific information via email without proper approval. Please submit a secure message within online banking.* ## Helpful Links Here are some links that you may find helpful if you need to find a nearby branch office or ATM, access your SCU online accounts, or if you would like to access additional member resources. ### Locations [Find a local SCU Branch](/locations) ### Loan Payment [Make a Payment](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&list=VLPLCCSTHE) ### Find Resources [Member Resources](/resources) ### Watch Tutorials [How to Videos](/online-services/) ### Have Questions? [Send us a Question](/contact//#send-us-a-question) ### Let's Meet [Schedule an Appointment](/contact/#send-us-a-question) ## Additional SCU Member Services Options ### Bank by Phone: 24-hour account information by telephone at Scott Credit Union If you’ve never used Bank by Phone, call (618) 345-1000 or (800) 888-4728, choose Option 1 from the main menu and follow the prompts to get started. If you call Bank by Phone from the phone number on file then you will only need the last 4 digits of your Social Security Number to set up a PIN for future use. If you are not calling from the phone number on file, then you will need your member number for verification. Your member number is a unique 7-digit number, which is also the last part of your account (MICR) number. To access Bank by Phone, dial (618) 345-1000 or (800) 888-4728. **Just follow the step-by-step instructions you hear on the phone.** *You’ll be able to complete these SCU transactions from the comfort of your own home with this 24-hour account access telephone banking system.* Choose Option 1 *from the main menu and then choose one of the options in the menu below.* - Pay a loan from an external account, press 1 - Pay a loan from an internal account, press 2 - Make a credit card payment, press 3 - Transfer money, press 4 - Transaction history, press 5 ![Guy with card looking at phone](https://www.scu.org/wp-content/uploads/2023/04/contact-page-Additional-SCU-Member-Services-Options-bottom-image-1-1-600x350.jpg "contact page - Additional SCU Member Services Options bottom image") ![Lady on the phone while doing work](https://www.scu.org/wp-content/uploads/2023/04/contact-page-Additional-SCU-Member-Services-Options-top-image--600x350.jpg "contact page - Additional SCU Member Services Options top image") ## Send Us a Question or Schedule an Appointment If you have another type of inquiry or need, please contact the appropriate team using the links below and an SCU team member will contact you shortly to address your needs. [### Business Solutions ](/business/#Commercial-Business-Services)[### Human Resources/Careers ](/careers/#contact-human-resources) [### Event/Donation Request ](https://campaign.documatix.com/DPS/Surveys/Survey/A750D6B327AF816B)[### Member Contact Center ](#member-contact-center) [### Home Loans ](/mortgage/#schedule-loan-appointment)[### Personal/Auto Loans ](/loans/#contact-personal-loan) ## Report a Lost or Stolen Credit Card or Debit Card **Report Debit Card Lost/Stolen** Domestic: (800) 754-4128 International: (727)-227-9012 (outside of the USA) **Report Credit Card Lost/Stolen** (866) 839-3485 ## Contact the Member Contact Center ##### Monday-Friday 8am-6pm CT and Saturday 9am-1pm CT Email SCU Name \* Enter your name Email \* Enter your e-mail address Phone Number Enter your phone number Number Message Submit If you are human, leave this field blank. Δ ## Need Additional Help? ### Contact the Executive Management Team If you have a service issue that needs to be addressed by our Executive Management Team, please contact the team by email below [Email Executive Team](/contact-the-executive-management-team/) ### Contact the Supervisory Committee If your issue is not resolved after contacting Executive Management, then contact the Supervisory Committee by email (below), or by mail (P.O. Box 64, Edwardsville, IL 62025). [Email Supervisory Committee](/contact-the-supervisory-committee/) ### Scott Credit Union Registered Agent Pursuant to ILCS 3-5/20 (7), the Scott Credit Union Board of Directors has appointed a registered agent for the credit union. Any process, notice, or demand required or permitted by law to be served upon the credit union may be served upon the registered agent appointed by the credit union and listed below: **Whitney Clare** **(618) 659-7166** **101 Credit Union Way, Edwardsville, IL 62025** **<whitney.clare@scu.org>** --- ### [Marc Falk - Mortgage Sales Manager - Northern Illinois](https://www.scu.org/marc-falk-mortgage-sales-manager/) **Published:** June 24, 2026 **Author:** Jen Audetat **Content:** **![Marc Falk Headshot](https://www.scu.org/wp-content/uploads/2026/06/Marc-Headshot.png "Marc Headshot - Scott Credit Union")** **Cell Phone:** 847-812-8300 **Email:** <Marc.Falk@scu.org> **NMLS #:** 405763 **Serving:** Northern Illinois --- ### Contact Marc Falk Today Ready to take the next step toward securing your dream home? Reach out to Marc for expert guidance and personalized mortgage solutions. **Cell Phone:** 847-812-8300 **Email:** <Marc.Falk@scu.org> [Apply With Marc](https://idp.elliemae.com/authorize?site_id=6916104585&response_type=code&redirect_uri=https%3A%2F%2Fmortgage.scu.org%2Fborrower-app%2Flogin%2F%3Flar%3Dmfalk%26workFlowId%3D80299%26dest%3D%2Floan-app%2F%26guestuser%3D1%26siteId%3D6916104585&client_id=srtrz0d2&scope=ccbp%20cc&instance_id=be11178158&logo_url=https%3A%2F%2Fstore.asset.ecc.mortgagetech.ice.com%2Fb3368ffd-f7dd-42d5-af30-5b28b8a578c5&logo_alt_text=Logo&bust=708&apiBaseUrl=https://api.elliemae.com) ## About Marc Falk With over 30 years of experience in mortgage lending, Marc A. Falk has built a career defined by expertise, integrity, and an unwavering commitment to helping people achieve the dream of homeownership. Currently serving as a Mortgage Sales Leader for Scott Credit Union in Northern Illinois, Marc holds specialized as both a Construction Mortgage Lender and also advises as a Private Wealth Mortgage Banker, a rare combination that allows him to serve clients across the full spectrum of home financing needs. Marc’s academic foundation begins with a bachelor’s degree from DePaul University, complemented by his elite industry credential of being a AMP (Accredited Mortgage Professional) designation, awarded by the Mortgage Bankers Association in Washington, D.C. This prestigious certification reflects Marc’s mastery of mortgage banking principles, ethics, and best practices at the highest professional level; a distinction held by only a select group of lending professionals nationwide. Marc’s distinguished career spans leadership roles at some of the region’s most respected financial institutions, where he consistently rose to senior and executive-level positions. His depth of experience across multiple lending environments gives him an unmatched perspective on the mortgage landscape. A trusted advisor throughout the Chicagoland area, Marc leverages his extensive experience to provide tailored mortgage solutions, understanding that each client’s situation is uniquely their own. Whether you’re a first-time buyer, seasoned investor, looking to Construct a Home or looking to refinance, Marc guides you through every step of the process with clarity and care. Beyond the office, Marc is deeply rooted in his community. He serves as a Board Member of the Illinois Mortgage Bankers Association, has been Vice Chairman of the South Elgin Economic Development Council since 2004, and previously served as a CUSD #301 School Board Member. Clients consistently praise Marc for his seamless closings, transparent communication, and the simple fact that as one reviewer put it; all promises are kept. Marc Falk isn’t just a mortgage professional. He’s the person who opens the door to your next chapter. --- ### [SCU Locations](https://www.scu.org/locations/) **Published:** November 28, 2022 **Author:** Chelsea Rogers **Content:** # Scott Credit Union ### Locations serving 150,000 Missouri and Illinois members **Weather Alert:** Due to the continued inclement weather, our **St. Louis Metro branches** will open at **10am,** today February 19, 2025. The Member Contact Center will follow normal operating hours. Chicago area branches will be open normal business hours. ## Find an SCU Location Near You Find local Scott Credit Union locations using the map feature below. [Search Thousands of Shared ATM Network Locations](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1) **Search Location Category Distance Range Radius: KM Status Loading... Number of Locations and ATMs: 0 PRINT ×#### Store Direction #### Get Your Directions × From: To: KM Mile GET DIRECTIONS #### LOCATE YOUR GEOPOSITION × LOCATE ×** ### We're proud to continue to serve the **Scott Air Force Base** community [Find SCU on Base](/scott-afb-il/) ## SCU Quick Info #### [Scott Credit Union Routing Number](#collapse2141018861) The Scott Credit Union Routing Number is 281077522 #### [Scott Credit Union Hours](#collapse166752192) Each individual Scott Credit Union location’s hours may differ. Please click on the branch listing on the map to see address, hours of operation, and all available account services. Please note: Inclement weather notices that effect hours of operation at various locations will be visible at the top of the website. #### [CO-OP ATM Network Locations](#collapse1246774127) Now you can get cash surcharge-free at more ATMs than ever. SCU members can visit any of nearly 30,000 ATMs that display the CO-OP logo. Whether you’re across town, or far from home, you’re never far from your money. - Use surcharge-free ATMs at places like 7-Eleven®️, Circle K®️, Costco®️, Publix®️, Dunkin Donuts®️, and many regional convenience store locations. - Locate an ATM wherever you are—through any of our easy locator tools, including phone, mobile app, text messaging or Internet **Find a surcharge-free ATM right now at**[ **co-opatm.org**](http://www.co-opatm.org) **or call (888) 748-3266.** Look for the CO-OP logo at participating branches and ATMs. Learn more about how the [CO-OP Shared ATM Network](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1) works. ![CoOp ATM](https://www.scu.org/wp-content/uploads/2023/06/CO-OP-ATM-Logo.jpg "CO-OP ATM Logo - Scott Credit Union") [Find a Shared ATM Network Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1) #### [Contact Member Services](#collapse1084047707) Call or live chat with Member Contact Center representatives 8 a.m. – 6 p.m. Monday – Friday, or 9 a.m. – 1 p.m. Saturdays. Click the “Live Chat” box to ask a question, or call [(618) 345-1000](tel:6183451000) or [(800) 888-4728](tel:8008884728). #### [Federal Holiday Closings](#collapse1009100612) Our Member Contact Center and all Scott Credit Union location branches are closed for all Federal Holidays, listed below. #### **2026 Holidays** - Juneteenth National Independence Day – Friday, June 19 - Independence Day – Saturday, July 4 - Labor Day – Monday, September 7 - Columbus Day – Monday, October 12 - Veterans Day – Wednesday, November 11 - Thanksgiving Day – Thursday, November 26 - Christmas Eve (Closing at 1 PM) – Thursday, December 24 - Christmas Day – Friday, December 25 #### **2027 Holidays** - New Year’s Day – Friday, January 1 - Martin Luther King, Jr. Day – Monday, January 18 - Washington’s Birthday – Monday, February 15 - Memorial Day – Monday, May 31 - Juneteenth National Independence Day – Friday, June 18 - Independence Day – Sunday, July 4 - Labor Day – Monday, September 6 - Columbus Day – Monday, October 11 - Veterans Day – Thursday, November 11 - Thanksgiving Day – Thursday, November 25 - Christmas Eve (Closing at 1 PM) – Friday, December 24 - Christmas Day – Saturday, December 25 #### [Visit Scott Credit Union locations near you](#collapse195468362) Have a question for [your local Scott Credit Union branch](/contact/) employees? Stop by and visit to experience friendly service with a smile. At SCU, our employees take pride in serving their neighbors and fellow members with a commitment to customer service and helpfulness. Our employees work where they live, and they know the local area, participate in community service, and support local businesses and organizations. We’re with you, neighbor! --- ### [Military](https://www.scu.org/military/) **Published:** February 21, 2023 **Author:** Chelsea Rogers **Content:** # SCU Military Resources ### Serving the Scott Air Force Base Community Since 1943 ## Our Military Ties Run Deep ### **We Serve Civilian and Military Needs** Scott Credit Union was founded in May 28, 1943 by a group of visionaries from Scott Field who decided to create a local credit union where the average person could save and borrow money. Our ties to [Scott Air Force Base](https://www.scott.af.mil/) and members of the military remain strong. We continue to operate as the only credit union on base. Serving our members in the military is still a focus for us today. We work hard to provide our military members, and all of our membership, with the financial services they need whether they are stationed nearby or abroad. [Learn More about SCU Membership](https://scu.org/membership/) [Join the SCU Community](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) ![person in military uniform holding a small house](https://www.scu.org/wp-content/uploads/2022/11/d-635x440.jpg "d") ## SCU: Proud Member of the Defense Credit Union Council Scott Credit Union is a proud member of the [Defense Credit Union Council](https://www.dcuc.org/). Organized in 1963, DCUC helps protect the financial well-being of military members throughout all stages of their lives by giving them a voice at the Pentagon and Capitol Hill. Watch the video to learn more about this Council’s dedication to serving those who serve our country! ## Links & Information for Military Members [### Armed Forces Financial Guide](/documents/Armed-Forces-Financial-Guide-ScottCU.pdf) This guide maps the entire military financial life cycle, including the following topics: financial basics, military compensation, budgeting, banking basics, managing credit, buying a home, insurance, saving for college, retirement, deployment readiness, service related benefits, and additional resources for military service members. [### Blended Retirement System](/documents/DCUC-BRS.pdf) The Blended Retirement System came into full effect. This new system reflects DoD’s support for retirement savings by offering automatic and matching contributions to a tax-deferred account and will now extend these retirement benefits for all service members. This is an added benefit for junior service members and for those who separate before serving 20 years. Current military members must choose to permanently “opt-in” to the new system or automatically remain in the current system. This means there are some big personal decisions on the financial horizon. [### Situation Awareness Alert: Google Play App (CAC Scan)](/documents/Situational-Awareness-Google-Play-App-CAC-Scan.pdf) CAC Scan is an Android application that scans the barcode on a CAC card and decodes that information. The information that the App is able to retrieve from the CAC card includes the ID type, social security number, EDIPI, first name, last name, middle initial, and rank. [### Student Loan Information](https://studentaid.gov/sites/default/files/military-student-loan-benefits.pdf) Service members may face barriers when requesting and retaining protections afforded to them by the Servicemembers Civil Relief Act (SCRA). [### AFFN Network](https://www.affn.org/) The [AFFN Network](https://www.affn.org/) gives Scott Credit Union members access to ATMs all around the globe. There are more than 800,000 ATMs and more than 2.3 million merchant locations worldwide. ### Military Community Involvement Due to our deep-rooted history with Scott Air Force Base, we have a very large involvement in numerous community events on and around the base. [### Scott Patriot Program](https://scottpatriot.com/) We’re a proud member of the [Scott Patriot Program](https://scottpatriot.com/). The program is aimed at ensuring that those local businesses and communities that are providing support to our friends at Scott Air Force Base and their families are recognized as military friendly, while also growing the level of support the base receives from other area businesses. [### Veterans Benefit Banking Program (VBBP)](https://www.benefits.va.gov/benefits/banking.asp) A program created to help identify financial institutions who can provide veterans safe, reliable, and inexpensive ways to receive and manage their VA monetary benefits. ## SCU Membership Benefits, Near and Far ### **Join for Life; SCU Services Travel with You** Once you are a member of Scott Credit Union, you can always be a member and take advantage of the value we offer through our large mix of services that can help you reach your financial goals now and in the future. Accessing your accounts at Scott Credit Union is easy. We offer a full line of free online services, including online banking, online bill pay, and mobile banking, which includes remote check deposit. You can even open an account or apply for a loan online. [View our Member Resources](/resources/) [Join SCU](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) --- ### [Board of Directors](https://www.scu.org/board-of-directors/) **Published:** January 23, 2026 **Author:** Jen Audetat **Content:** ## Board Leadership Officers: - Chairman: Lawrence Haffner - Vice Chairman: Jacob Curtis - Secretary: Debbie Lane - Treasurer: Frank Padak ## Directors: - Jessica Haugen - Christopher Sobrino - Angela Stewart - LaJuan Miller - Joy Hayward - Christopher Sobrino (Supervisory Committee Chair) ## Associate Directors: - Aja Williams - Nathan Richard - Keith Page ## Emeritus Director: - William “Pete” Hostetter --- ### [SCU @ Work: Building Better Financial Futures](https://www.scu.org/atwork/) **Published:** January 10, 2025 **Author:** Chelsea Rogers **Content:** # SCU@Work: Building Better Financial Futures ### SCU@Work delivers onsite financial education and membership benefits to help employees manage stress and boost productivity, while offering businesses tailored solutions for financial wellness. [Learn More](https://www.scu.org/scuwork-contact-us/) ## Helping Employees and Businesses Thrive with Financial Wellness Financial issues are one of the leading causes of employee stress, absenteeism, and reduced productivity. SCU@Work is designed to address these challenges by offering convenient, onsite financial education and services to employees, right at their workplace. Our goal is to help businesses improve employee well-being, focus, and performance, while providing access to the benefits of SCU membership. ## Why Choose SCU@Work? ### Program Benefits: - **Onsite Convenience:** Employees can open accounts and establish memberships without leaving their workplace. - **Tailored Financial Education:** We offer a wide range of financial presentations that can be customized to meet the unique needs of your business. - **Financial Wellness:** Reduce employee stress, absenteeism, and improve productivity through financial literacy and access to benefits. ![Group of adults fist pumping looking at a laptop](https://www.scu.org/wp-content/uploads/2024/08/4-1-412x319.png "4") ### Financial Education & Services: We provide a variety of tailored presentations to help employees navigate important financial decisions. - **The Credit Union Difference:** Understand the benefits of banking with a credit union. - **Car Buying Process:** Become an expert in buying a vehicle. - **Identity Theft Protection:** Learn how to safeguard personal information. - **Money Management:** The importance of budgeting and saving. - **Good Credit:** How to build and maintain strong credit. - **Cooking on a Budget:** Saving money at the grocery store. ![Group of adults congregating reading documents](https://www.scu.org/wp-content/uploads/2024/08/5-412x319.png "5") ## SCU@Work Products & Services: ### Personal Banking - Checking & Savings Accounts - Debit & Credit Cards - Share Certificates - Investments - Youth Membership & Digital Banking ### Loan Services - **Mortgage Loans:** 100% financing, VA loans, and construction loans available. - **Auto Loans:** Includes vehicle loans, motorcycles, ATVs, boats, and RVs. - **Personal Loans:** Includes consumer, student loans, and debt protection options. ### Membership Perks - Access to local branches, CO-OP ATMs, and financial education tools. - Blogs, community events, and exclusive member benefits. ## We Partner with Key Industries to Provide Tailored Solutions - Healthcare (Doctors, Dentists, Chiropractors) - Law Firms (Lawyers, Paralegals) - Law Enforcement (Police Officers, Telecommunicators) - Manufacturing (Managers, Line Workers, Office Workers) ## Partnering with SCU@Work ### Support for Employers: - **Marketing Support:** Templates for HR communication and promotional materials. - **Onsite Support:** Portable tables, laptops, and all materials needed to make onboarding seamless. - **Training:** Our team leads training for market managers and ensures smooth implementation of the program. ![Group of business men and women celebrating](https://www.scu.org/wp-content/uploads/2024/08/1-512x419.png "1") ## Ready to Empower Your Employees with Financial Wellness? Join SCU@Work today to give your employees access to financial education and exclusive benefits. Learn more about how your business can benefit by visiting scu.org/cuatwork or contact us to set up a consultation. [Contact Us](https://app.loanspq.com/cc/CreditCard.aspx?lenderref=scottcu072120) --- ### [With You Community Foundation Form](https://www.scu.org/with-you-community-foundation-form/) **Published:** October 15, 2025 **Author:** Jen Audetat **Content:** With You Community Foundation Application Name of School \* School Address \* Student Enrollment \* Name of Project Sponsor \* Project Sponsor Phone Number \* Project Sponsor Email Address \* Project Description \* Total Project Cost \* Dollar amount requested \* How many students will benefit from project? \* When do you estimate project will be completed? \* Would you be able to attend an event to announce the grant winners on 12/9 from 8 am-10:00 am? \* YesNo Does your project require volunteer support? If so, would you be interested in SCU volunteers? \* If your project is selected to receive funding, would you be willing to display a SCU Community Foundation sign near the project? \* Do you and/or students have interest in volunteering at any SCU Community Foundation events? \* Submit If you are human, leave this field blank. Δ --- ### [Scott Credit Union Wood River IL](https://www.scu.org/wood-river-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Wood River, IL Location ### SCU is the Illinois credit union of choice for Wood River members, local charitable organizations, and schools. We're with you for all of life's financial needs, helping build strong financial futures for the communities in which we live and work. [View All Locations](/locations/) ## Wood River Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Wood River Location Image](https://www.scu.org/wp-content/uploads/2023/04/Wood-River-Location-Image.jpg "Wood River Location Image - Scott Credit Union") ## Wood River Branch 570 Wesley Dr, Wood River, IL 62095Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/sK3N8YJbTZcKLtbA8) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ## Still looking for an ATM near you? Scott Credit Union Wood River, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Waterloo IL](https://www.scu.org/waterloo-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Waterloo, IL Location ### SCU is the Illinois credit union of choice for Waterloo residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Waterloo Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Waterloo Location Image](https://www.scu.org/wp-content/uploads/2023/04/Waterloo-Location-Image.jpg "Waterloo Location Image - Scott Credit Union") ## Waterloo Branch 1019 IL-3, Waterloo, IL 62298Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/FdYV58WBEW41WEpm7) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ## Still looking for an ATM near you? Scott Credit Union Waterloo, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Laurie Viviano - Mortgage Loan Originator](https://www.scu.org/laurie-viviano-home-loan-advisor/) **Published:** June 12, 2024 **Author:** Chelsea Rogers **Content:** **![laurie viviano image](https://www.scu.org/wp-content/uploads/2024/05/lURIE-v-240x300.png "lURIE v - Scott Credit Union")** **Cell Phone:** 314-568-2420 **Email:** <laurie.viviano@scu.org> **NMLS #:** 330723 **Serving:** Missouri and Illinois Counties --- ### **Contact Laurie Viviano Today** Ready to take the next step toward securing your dream home? Reach out to Laurie for expert guidance and personalized mortgage solutions. **Cell Phone:** 314-568-2420 **Email:** <laurie.viviano@scu.org> [Apply With Laurie](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=lviviano&workFlowId=80299) ### **About Laurie Viviano** Laurie brings a wealth of expertise to the mortgage industry, boasting several decades of experience. Her commitment to guiding clients through the intricate mortgage process reflects a client-first approach. Laurie is dedicated to helping individuals find the right mortgage product, aligning their choices with their unique financial goals. Her emphasis on the importance of asking questions and exploring all available options showcases Laurie’s dedication to ensuring that clients make informed decisions about their mortgages. This commitment is rooted in a desire to empower clients on their financial journey. Outside of her professional life, Laurie, a proud native of St. Charles County, shares her home with her husband Lou and their three energetic and spirited dogs. Family is at the heart of Laurie’s world, and she takes immense pride in being a grandmother to four precious granddaughters. When not immersed in the intricacies of the mortgage industry, Laurie finds solace and joy on the golf course, where her love for the sport allows her to unwind and enjoy life’s simple pleasures. --- ### [Scott Credit Union Troy IL](https://www.scu.org/troy-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Troy, IL Location ### SCU is the Illinois credit union of choice for Troy residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Troy Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Troy Branch Location Image](https://www.scu.org/wp-content/uploads/2023/03/Troy-Location-Image.jpg "Troy Location Image - Scott Credit Union") ## Troy Branch 501 Edwardsville Rd, Troy, IL 62294Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/nM6U3CKJPNhZp8Sq6) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ## Still looking for an ATM near you? Scott Credit Union Troy, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Trenton IL](https://www.scu.org/trenton-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Trenton, IL Location ### SCU is the Illinois credit union of choice for Trenton residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Trenton Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Trenton Location Image](https://www.scu.org/wp-content/uploads/2023/04/Trenton-Location-Image.jpg "Trenton Location Image - Scott Credit Union") ## Trenton Branch 28 W Broadway, Trenton, IL 62293Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/2kKtHHG2GFquyzuX9) ### Lobby Hours Monday – Friday, 9 a.m. – 4 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 5 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up/Walk-Up **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ## Still looking for an ATM near you? Scott Credit Union Trenton, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Scott AFB IL](https://www.scu.org/scott-afb-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Scott AFB, IL Locations ### SCU is the Illinois credit union of choice for Scott AFB residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Scott AFB Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![SCU SAFB Location](https://www.scu.org/wp-content/uploads/2023/05/SCU-SAFB-Location.jpg "SCU SAFB Location - Scott Credit Union") ## Scott AFB Branch 302 W. Winters Street Scott AFB, IL, 62225 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org **Access is restricted to military and civil service personnel.** [Get Directions](https://goo.gl/maps/HXHEcy2WPx4Nv1pW6) ### Lobby Hours Monday – Friday, 9 a.m. – 5:00 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Scott AFB ATM Locations ### Base Exchange (BX) ATM 207 W Winters St Building 1981, Scott AFB, IL 62225 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/Hg7ksKWCKmjPkUoB9) ### Walk-Up ATM (24 Hours) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ### Cardinal Creek Golf Course ATM 1192 Golf Course Rd., Scott AFB, IL 62225 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/kHeeBnQUA3w31cBM9) ### Walk-Up ATM (24 Hours) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ### Scott Shoppette ATM Building 1640 Scott AFB, IL, 62225 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/S41bVs4KhqfLG3ts8) ### Walk-Up ATM (24 Hours) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ### SCU Scott AFB Office ATM 302 W. Winters Street, Scott AFB, IL 62225 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/vxg7eLvbZUwp6BNK6) ### Walk-Up ATM (24 Hours) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ### Transcom Building ATM 508 Scott Drive, Building 1900 W, Scott AFB, IL, 62225 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/oTDnxorjzsgAwP9FA) ### Walk-Up ATM (24 Hours) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Scott Air Force Base members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union O'Fallon IL](https://www.scu.org/ofallon-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: O'Fallon, IL Location ### SCU is the Illinois credit union of choice for O'Fallon residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## O'Fallon Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![OFallon Location Image](https://www.scu.org/wp-content/uploads/2023/04/OFallon-Location-Image.jpg "OFallon Location Image - Scott Credit Union") ### O'Fallon Branch 712 W Hwy 50, O’Fallon, IL 62269Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/UMmY14KnefqasWtV9) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **\*ATM services are temporarily down, please use the drive up or lobby services.** **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ## Still looking for an ATM near you? Scott Credit Union O’Fallon, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Mascoutah IL](https://www.scu.org/mascoutah-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Mascoutah, IL Location ### SCU is the Illinois credit union of choice for Mascoutah residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Mascoutah Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Mascoutah Location Image](https://www.scu.org/wp-content/uploads/2023/03/Mascotah-Location-Image.jpg "Mascoutah Location Image - Scott Credit Union") ### Mascoutah Branch 1248 W Main St, Mascoutah, IL 62258Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/vELRSkKuHWDySX9N7) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Walk-Up ATM (24 Hours) Walk-Up (accepts deposits) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Mascoutah, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Lebanon IL](https://www.scu.org/lebanon-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Lebanon, IL Location ### SCU is the Illinois credit union of choice for Lebanon residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Lebanon Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Lebanon Location Image](https://www.scu.org/wp-content/uploads/2023/03/Copy-of-Mascotah-Location-Image.jpg "Lebanon Location Image - Scott Credit Union") ### Lebanon Branch 107 E Schuetz St, Lebanon, IL 62254Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/8dKaLCSrhWLXtqe36) ### Lobby Hours Monday – Friday, 9 a.m. – 5:30 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8:30 a.m. – 6 p.m. Saturday, 8:30 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Lebanon, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Ladue MO](https://www.scu.org/ladue-mo/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Ladue, MO Location ### SCU is the credit union of choice for St. Louis residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) A ## Scott Credit Union: Ladue, MO Location The Scott Credit Union St. Louis, MO, Ladue Branch serves residents of St. Louis County and the City of St. Louis who live and work in[ this inner-ring, close-knit suburb with a small-town feel](https://www.cityofladue-mo.gov/). Choose the SCU Ladue Branch for all your banking needs, including savings, checking, loans, business banking, and more. With Scott Credit Union, St. Louis, MO residents quickly learn that we care about our community and its financial future. That’s why we partner with local businesses and schools to bring financial literacy and wellness education, and all the best credit union services, to generations of Ladue residents: - Personal banking services like youth and adult savings, checking, vehicle and home loans, student loans, credit cards, and investments and retirement planning. - Business banking services including savings, loans, business checking and deposit solutions, merchant point-of-sale solutions, and more. At any age, for every stage, SCU is with you for all your banking needs. ## Ladue Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Ladue Location Image](https://www.scu.org/wp-content/uploads/2023/04/Ladue-Location-Image.jpg "Ladue Location Image - Scott Credit Union") ### Ladue Branch 8866 Ladue Road, St. Louis, MO, 63124Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/h1LdDWQvwL27uyus6) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Accepts deposits The Scott Credit Union St. Louis, MO [Ladue Branch is easy to find, just east of 170 (Inner Belt)](https://en.wikipedia.org/wiki/Interstate_170) on Ladue Road, west of Hunter Avenue and [across Ladue Road from the Ladue Crossing Shopping Center](https://www.mapquest.com/us/missouri/ladue-crossing-shopping-center-442119812). **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Ladue, MO, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Highland IL](https://www.scu.org/highland-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Highland, IL Location ### SCU is the Illinois credit union of choice for Highland residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Highland Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Highland Location Image](https://www.scu.org/wp-content/uploads/2023/04/Highland-Location-Image.jpg "Highland Location Image - Scott Credit Union") ### Highland Branch 12455 IL-143, Highland, IL 62249Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/Z9sfVFMyQ4gohq7RA) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Highland, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Ferguson MO](https://www.scu.org/ferguson-mo/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Ferguson, MO Location ### SCU is the credit union of choice for Ferguson residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Ferguson Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Ferguson Location Image](https://www.scu.org/wp-content/uploads/2023/04/Ferguson-Location-Image.jpg "Ferguson Location Image - Scott Credit Union") ### Ferguson Branch 10797 New Halls Ferry Road, St. Louis, MO 63136Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/sRrvW5qU9eQrztYD6) ### Lobby Hours Monday – Thursday, 9 a.m. – 5 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Thursday, 8 a.m. – 5 p.m. Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Ferguson, MO, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Fairview Heights IL](https://www.scu.org/fairview-heights-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Fairview Heights, IL Location ### SCU is the Illinois credit union of choice for Fairview Heights residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Fairview Heights Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Fairview Heights Location Image](https://www.scu.org/wp-content/uploads/2023/04/Fairview-Heights-Location-Image.jpg "Fairview Heights Location Image - Scott Credit Union") ### Fairview Heights Branch 555 Lincoln Hwy, Fairview Heights, IL 62208Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/XLKNMyvVzu4ND3879) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up/Walk-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Fairview Heights, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Edwardsville IL](https://www.scu.org/edwardsville-il/) **Published:** January 6, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Edwardsville, IL Locations ### SCU is the Illinois credit union of choice for Edwardsville residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ![Home Office with fountain compress](https://www.scu.org/wp-content/uploads/2023/05/Home-Office-with-fountain-compress.jpg "Home Office with fountain compress - Scott Credit Union") ## Scott Credit Union: Edwardsville, IL Locations Scott Credit Union Edwardsville, IL, locations serve members in Madison County with full-service banking. Since SCU was founded, our flagship branch at 101 Credit Union Way has served [residents of this St. Louis suburb](https://www.cityofedwardsville.com/), which is home to the [Southern Illinois University Edwardsville Cougars](https://www.siue.edu/). Explore all Scott Credit Union Edwardsville, IL, member services, or stop by either of our two convenient local branches to experience our friendly approach to customer service. SCU is the **Illinois credit union** of choice for Edwardsville residents, and our focus is on supporting local charitable organizations and schools. In **Edwardsville**, Scott Credit Union employees and members are committed to giving back and promoting financial literacy and opportunities for all. At SCU, we’re with you in Edwardsville for every stage of life. ## Edwardsville Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![SCU Home Office day](https://www.scu.org/wp-content/uploads/2023/05/Home-Office-day-compressed.jpg "SCU Home Office day - Scott Credit Union") ### Edwardsville Home Office 101 Credit Union Way, Edwardsville, IL 62025 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/KvzJtmMg1MCfyQAT9) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) Visit our flagship Scott Credit Union Edwardsville, IL, location just off Illinois Route 143 east of Interstate 55 [near Staunton Road and the Prairie Farms Dairy](https://www.prairiefarms.com/). **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ![Edwardsville Location Image](https://www.scu.org/wp-content/uploads/2023/04/Edwardsville-Location-Image.jpg "Edwardsville Location Image - Scott Credit Union") ### Edwardsville Branch 1067 S. State Route 157, Edwardsville, IL 62025Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/YNDTnrg7PcprmYgf7) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) Conveniently located just east of the SIUE campus, the Scott Credit Union Edwardsville, IL, branch on Illinois Route I57 is easily accessible from University Park Drive and Center Grove Road, north of the [Edwardsville School District #7 Sports Complex.](http://ecusd7.org/departments/facilities/#tab-id-8) **This location features a 24-hour drive-up ATM.** Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ## Still looking for an ATM near you? Scott Credit Union Edwardsville, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Columbia IL](https://www.scu.org/columbia-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Columbia, IL Location ### SCU is the Illinois credit union of choice for Columbia residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Columbia Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Columbia Location Image](https://www.scu.org/wp-content/uploads/2023/04/Columbia-Location-Image.jpg "Columbia Location Image - Scott Credit Union") ### Columbia Branch 1000 Eleven South #2A, Columbia, IL, 62236Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/enov978pwihxbdBs5) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Collinsville, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Collinsville IL](https://www.scu.org/collinsville-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Collinsville, IL Location ### SCU is the Illinois credit union of choice for Collinsville residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Collinsville Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Collinsville Location Image](https://www.scu.org/wp-content/uploads/2023/04/Collinsville-Location-Image.jpg "Collinsville Location Image - Scott Credit Union") ### Collinsville Branch 1100 Beltline Rd, Collinsville, IL 62234Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/RpMV6LVJNBADAn2S7) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ## Still looking for an ATM near you? Scott Credit Union Collinsville, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Chicago IL](https://www.scu.org/chicago-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Chicago, IL Locations ### SCU is the Illinois credit union of choice for Chicago residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ![Chicago Wolves SCU Sunday image](https://www.scu.org/wp-content/uploads/2023/04/Chicago-Wolves-SCU-Sunday-image.jpg) ## Scott Credit Union: Chicago, IL Location Scott Credit Union Chicago, IL, locations serve residents of [Cook County, Illinois, the county with the second-highest population in the United States, as well as DuPage and Will counties](https://www.cookcountyil.gov/about-cook-county). Our mission is to provide great rates and service excellence to our members. Members in the Chicago area can visit our Evergreen Park branch and use our ATM at the Jesse Brown VA Medical Center. Additional Co-Op ATM locations are available throughout Chicagoland for your convenience. Scott Credit Union offers a personal approach to financial education for all ages, a full menu of credit union banking services, and a commitment to the communities in which our members and employees live and work. From helping your child open their first savings account, to financing a home, finding business loans, and planning for retirement, Scott Credit Union is with you, for every financial need. Visit the SCU Chicagoland location nearest you to learn more about how these Scott Credit Union Chicago, IL, locations can help you focus on meeting your financial goals at every stage of life. ## SCU and Chicago Wolves Hockey Events [Chicago Wolves](https://www.chicagowolves.com/) hockey fans are invited to join us for [Scott Credit Union Family Sundays](https://www.chicagowolves.com/tickets/scott-credit-union-family-sundays/), a special offering for families with children. Every Sunday home game, bring the kids early to make game signs, enjoy the Wolves Kids Zone play area and entertainment, and even score team autographs. SCU is proud to sponsor these events for our Chicagoland hockey fans. Plan your family outing for the next Wolves Sunday home game! [Get Wolves Tickets](https://www.chicagowolves.com/schedule/) [SCU Family Sundays](https://www.chicagowolves.com/tickets/scott-credit-union-family-sundays/) ![Chicago IL Wolves SCU Sunday image](https://www.scu.org/wp-content/uploads/2023/04/Chicago-IL-Wolves-SCU-Sunday-image.jpg "Chicago IL Wolves SCU Sunday image - Scott Credit Union") ## Chicago Branches & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Evergreen Location Image](https://www.scu.org/wp-content/uploads/2023/03/Evergreen-Location-Image.jpg "Evergreen Location Image - Scott Credit Union") ### Evergreen Park Branch 9059 S Kedzie Ave, Evergreen Park, IL 60805 Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/JWZrJRmSJf4DagtQ8) ### Lobby Hours Monday – Friday, 9 a.m. – 5 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 9 a.m. – 5 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) [Members near Evergreen Park, Illinois](https://www.evergreenpark-ill.com/), have [access to a full-service branch](https://www.evergreenparkchamber.org/directory/listing/south-division-credit-union) and 24-hour Scott Credit Union ATM location, just north of Interstate 20 on Kedzie Avenue. **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ![VA Location Image](https://www.scu.org/wp-content/uploads/2023/04/VA-Location-Image.jpg "VA Location Image - Scott Credit Union") ### Jesse Brown VA 820 S Damen Ave, Ste 1408 Chicago, IL, 60612 [Get Directions](https://goo.gl/maps/LiUpuFjKNoW69p6GA) ### Walk-Up ATM (24 Hours) Walk-Up (accepts deposits) *ATM is located inside the VA Hospital.* This Scott Credit Union branch is now closed. Our full-service ATM remains available near the Courtyard. We’re still here for you at our Evergreen Park branch, located at: [9059 S Kedzie Ave, ](https://maps.app.goo.gl/QjBP5U6FgQ2mzwBd6)[Evergreen Park, IL 60805](https://maps.app.goo.gl/QjBP5U6FgQ2mzwBd6) To find nearby branch and ATM locations, or to locate a CO-OP ATM, visit [scu.org/locations](http://scu.org/locations) Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. ## Still looking for an ATM near you? Scott Credit Union Evergreen Park, IL, and Chicago, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Breese IL](https://www.scu.org/breese-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Breese, IL Location ### SCU is the Illinois credit union of choice for Breese residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Breese Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Breese Location Image](https://www.scu.org/wp-content/uploads/2023/04/Breese-Location-Image.jpg "Breese Location Image - Scott Credit Union") ### Breese Branch 301 N 4th Street Breese, IL, 62230Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/JMgRMCYqb3e4BoiWA) ### Lobby Hours Monday – Thursday, 9 a.m. – 4 p.m. Friday, 9 a.m. – 5 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Thursday, 9 a.m. – 4 p.m. Friday, 9 a.m. – 5 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). Still looking for an ATM near you? Scott Credit Union Breese, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Belleville IL](https://www.scu.org/belleville-il/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Belleville, IL Locations ### SCU is the Illinois credit union of choice for Belleville residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Scott Credit Union: Belleville, IL Locations Scott Credit Union Belleville, IL, locations serve members [in St. Clair County, Illinois](https://www.co.st-clair.il.us/), with a full menu of banking solutions and convenient SCU ATMs and Co-Op ATMs. The SCU West Belleville Branch is located on Main Street – [the longest continuous main street in the nation](https://www.bellevillechamber.org/come-to-belleville/what-to-do/), to be exact. Experience the friendly service of your neighborhood Belleville, IL, branch and learn for yourself why locals love this down-home, full-service Illinois credit union. Stop by either of our two Belleville credit union locations, and you’ll meet the employees and members who know and love Belleville and continue to give back to this community, foster financial education for local students, and build a culture of involvement that starts with our member-owners. ## Belleville Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ![Belleville East Location Image](https://www.scu.org/wp-content/uploads/2023/03/Belleville-East-Location-Image.jpg "Belleville East Location Image - Scott Credit Union") ### East Belleville Branch 2020 North Belt East Belleville, IL, 62221Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/w4dDAonTd1NBatdH8) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **\*ATM services are temporarily down, please use the drive up or lobby services.** Visit the centrally located Scott Credit Union Belleville, IL, branch locally known as East Belleville. It’s located on North Belt East road between Carlyle Avenue and Orchard Drive, west of [Belleville Township East High School](https://bths201.org/) and the Belleville East Performing Arts Center. Stop by the 24-hour ATM anytime, or see our lobby hours below to plan your visit. **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ![Belleville West Location Image (1)](https://www.scu.org/wp-content/uploads/2023/03/Belleville-West-Location-Image-1.jpg "Belleville West Location Image (1) - Scott Credit Union") West Belleville Branch 4807 West Main St. Belleville, IL, 62226SCU Help Desk: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/JZV5f2kqTK8YheCw8) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) Just north of North Belt West, you’ll find our Main Street Scott Credit Union Belleville, IL, location, between North 48th and North 49th streets. The West Belleville Branch features easy access to our full menu of member services, including a 24-hour drive-up ATM. **This location features a 24-hour drive-up ATM.** Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). Still looking for an ATM near you? Scott Credit Union Belleville, IL, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Ballpark Village MO](https://www.scu.org/ballpark-village-mo/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Ballpark Village, MO Location ### SCU is the credit union of choice for St. Louis residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Ballpark Village Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ![Ball Park Village Location Image](https://www.scu.org/wp-content/uploads/2023/03/Ball-Park-Village-Location-Image.jpg "Ball Park Village Location Image - Scott Credit Union") ### Ballpark Village Branch 6 Cardinal Way STE 130 St. Louis, MO, 63102Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org We Validate Parking [Get Directions](https://goo.gl/maps/bBqMvzgBr9DcTjAE9) ### Lobby Hours Monday – Friday, 9 a.m. – 5 p.m. ### Walk-Up ATM (24 Hours) Walk-Up (accepts deposits) **This location features a 24-hour walk-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). Still looking for an ATM near you? Scott Credit Union Ballpark Village members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Scott Credit Union Affton MO](https://www.scu.org/affton-mo/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Affton, MO Location ### SCU is the credit union of choice for Affton residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Scott Credit Union: Affton, MO Location Serving members in south St. Louis County, the Scott Credit Union Affton, MO Branch offers full-service banking with friendly customer service. Remember: [SCU employees live and work in the Affton community](https://www.afftonchamber.com/), too, and we’re always ready to help our neighbors find just the right financial solutions for any need. The SCU branch location in Affton brings big-city, big-banking convenience to our member-owners with the added benefit of credit union rates, ease of joining, and in-house approvals for vehicle and home loans, business loans, credit cards, and more. Whether you’re helping your child open a first savings account, shopping for a vehicle or a new home, paying for college, or planning for retirement, SCU is with you every step of the way. In Affton, Scott Credit Union [employees and members work side-by-side in community service organizations](https://www.afftonfire.com/), [local Affton schools](https://ahs.afftonschools.net/), and at area events to support financial literacy and charitable causes. Giving back is important to us, and we hope you’ll join SCU and share in this community service focus. ## Affton Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](https://www.scu.org/locations/). ![Afton Location Image](https://www.scu.org/wp-content/uploads/2023/03/Afton-Location-Image.jpg "Afton Location Image - Scott Credit Union") Affton Branch 9100 Gravois Road Affton, MO, 63123Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/1tU6FuuWFdDZfG6H8) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Accepts deposits The Scott Credit Union Affton, MO branch location and ATM are easy to find. You’ll find quick access to our drive-through from Gravois Road, between McKenzie and Weber roads and [less than a quarter of a mile from the historic Federhofer’s Bakery](https://www.yelp.com/biz/federhofers-bakery-affton). **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). ### Still looking for an ATM near you? Scott Credit Union Affton, MO, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Need To Delete Your Account?](https://www.scu.org/need-to-delete-your-account/) **Published:** January 9, 2025 **Author:** Chelsea Rogers **Content:** ## Secure & Confidential Support ## How to Delete Your Digital Banking Login If you no longer wish to use your Scott Credit Union digital banking login, you can securely request to delete your account. Follow these steps: 1\. Go to Member Login on the [website](https://www.scu.org). 2\. Log in to your digital banking account. 3\. Select “Send a Secure Message” from the Contact Us menu. 4\. Compose a message stating that you would like to delete your digital banking login for your Scott Credit Union account. ![Scott Credit Union Mobile App Example](https://www.scu.org/wp-content/uploads/2024/10/Blues-Kids-Club-Student-Debit-Ad.png "Blues Kids Club Student Debit Ad - Scott Credit Union") --- ### [Switch Kit](https://www.scu.org/switch-kit/) **Published:** March 29, 2023 **Author:** Chelsea Rogers **Content:** # Switch Kit Are you switching financial institutions? Our Switch Kit makes it easy to switch your accounts from your current bank or credit union to Scott Credit Union. ## Switch Kit Instructions Switching banks can seem overwhelming, but if you follow these few steps you can change banks successfully. ***Step One:*** Open your new account at Scott Credit Union by[ clicking here](https://app.loanspq.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIBt2HN4cX2uy6UZrrmsdynGXi5VDeMxIhqoT1tpdTJIs) or stop by any one of our convenient locations. ***Step Two:*** Balance your account at your previous financial institution and make sure that all checks and payments have cleared. ***Step Three:*** Print out each of the forms below as applicable. Fill out the forms and mail them according to the directions below or bring them in to any of our [convenient locations](/locations/), and we will help you quickly and easily make the switch to Scott Credit Union. [Deposit Account Changeover Letter](/documents/SwitchKit-Deposit-Account-Changeover-Letter.pdf) This form letter helps you to close an account at another financial institution and have the funds sent to Scott Credit Union for deposit in your account. Remember to leave ample time for all checks to clear your old accounts before closing them. Sign the form and mail it to your previous financial institution. Don’t forget to put your name in as the “member name”. We recommend that you follow up with us in two weeks and make sure your money was received. To set up direct deposit you will need our Routing #281077522 as will as your MICR account number. For your security we do not give out account information via fax, or email. If you need help locating this information please visit one of our branches, send us a secure message though SCU Online, or call our Member Contact Center at (618) 345-1000. Note that military and government employees need to use [Form 1199A](/Users/user/Downloads/1199a.pdf) for Direct Deposit. Please check in with us after your next pay day to make sure that we have received your deposit. [Automatic Payment Transfer](/documents/SwitchKit-Automatic-Payment-Transfer-Authorization.pdf) This allows you to switch automatic payments so that they will debit your new Scott Credit Union account instead of your old account. Mail one to each company that you have automatic payment set up with that you would like to cancel. [Automatic Payment Cancellation](/documents/SwitchKit-Automatic-Payment-Cancellation-Form.pdf) This allows you to cancel any automatic payments that you do not wish to continue. Mail one to each company that you have automatic payment set up with. Note that you will need to have your new Scott Credit Union account set up before you can do this. Call our [Member Contact Center](tel:+18008884728) at [(618) 345-1000](tel:+16183451000) if you have any questions. --- ### [ILLINOIS COMMUNITY REINVESTMENT ACT NOTICE](https://www.scu.org/illinois-community-reinvestment-act-notice/) **Published:** May 27, 2025 **Author:** Jen Audetat **Content:** Under the Illinois Community Reinvestment Act (ILCRA), the Secretary of the Department of Financial and Professional Regulation evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations, and consistent with our common bond. The Secretary also takes this record into account when deciding on certain applications submitted by us. Your involvement is encouraged. Members and persons eligible to join our credit union are entitled to certain information about our operations and our performance under the ILCRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent ILCRA Performance Evaluation, prepared by the Secretary; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today. At least 30 days before the beginning of each quarter, the Secretary publishes a list of the credit unions that are scheduled for ILCRA examination by the Secretary in that quarter. This list is available from the Secretary at 320 West Washington Street, 3rd Floor Springfield, IL 62786 and 555 W. Monroe St., Suite 500, Chicago, IL 60661. You may send written comments about our performance in helping to meet community credit needs to CRA Officer, 101 Credit Union Way, Edwardsville, IL 62025 and to the Secretary at 320 West Washington Street, 3rd Floor Springfield, IL 62786 and 555 W. Monroe St., Suite 500, Chicago, IL 60661 or electronically at <https://idfpr.illinois.gov/admin/cra.html>. Your letter, together with any response by us, will be considered by the Secretary in evaluating our ILCRA performance and may be made public. You may ask to look at any comments received by the Secretary. You may also request from the Secretary an announcement of our applications covered by the ILCRA filed with the Secretary. --- ### [History](https://www.scu.org/history/) **Published:** February 21, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union ### Our History - Members. Value. Community. ## SCU’s Beginning Founded in 1943, Scott Credit Union is a not-for-profit financial cooperative that offers a full menu of banking services to more than 150,000 members in 32 counties in Illinois and Missouri. Long before our members enjoyed Scott Credit Union online and mobile banking services, 27 civil service employees at Scott Air Force Base started a simple financial cooperative. The Scott Field Civilian Employees’ Credit Union limited the initial membership to civil servants within the Army Air Force Technical Training Command at what was then known as Scott Field. [Browse Our 75th Anniversary Flipbook](/documents/SCU-History-Book-75-Years.pdf "History") ![history page: history SCU’s Founding image](https://www.scu.org/wp-content/uploads/2023/03/history-SCUs-Founding-635x480.jpg "history page: history SCU’s Founding image") ## Early Growth & Military Roots In 1957, the credit union changed its name to Scott Credit Union and opened up its membership to military personnel at the former Scott Field, renamed Scott Air Force Base with the creation of the Air Force in 1951. It was nearly a decade later before Scott Credit Union reached a $1 million asset milestone. By 1965, the 3,900 credit union members were 75 percent military. [Learn More About Our Military Roots](/military/) ![history page: history Early Growth & Military Roots image](https://www.scu.org/wp-content/uploads/2023/03/history-Early-Growth-Military-Roots.jpg "history page: history Early Growth & Military Roots image - Scott Credit Union") ## The SCU Community Expands In 1974, Scott Credit Union member-owners voted to invite more of their neighbors to join their financial cooperative. In 1983, they added even more opportunities for members to join, and due to industry changes in 1985, the Scott Credit Union member-owner family, services, and service area grew substantially. Just 42 years after its founding, SCU membership grew to 27,000 members. [See Our Current Numbers](/about/#financial-snapshot) ![history page: history The SCU Community Expands image](https://www.scu.org/wp-content/uploads/2023/03/history-The-SCU-Community-Expands.jpg "history page: history The SCU Community Expands image - Scott Credit Union") ## Best Credit Union: Financial Services, Community Focus Scott Credit Union grew over its first three-quarters of a century into a full service financial institution providing financial services for individuals and businesses. SCU now offers free checking accounts with interest, ATMs, credit and debit cards, new and used vehicle loans, mortgage loans, unsecured lines of credit, savings products, Scott Credit Union online and mobile banking services, free online bill paying and much more. What hasn’t changed over the years is our cooperative structure. Each person who joins SCU with an initial $5 savings deposit is also an owner. If you live or work in any of the 32 Illinois and Missouri counties we serve, you’re eligible to join. [Learn More About SCU Membership](/membership/) ![history page: history Best Credit Union Bank Services, Community Focus image](https://www.scu.org/wp-content/uploads/2023/03/history-Best-Credit-Union-Bank-Services-Community-Focus.jpg "history page: history Best Credit Union Bank Services, Community Focus image - Scott Credit Union") ## Scott Credit Union: Online and in Person, With You Through it All. Your experience with Scott Credit Union is about more than money, it’s about you getting the most value for your money and reaching your financial goals. Our products and services and pricing are driven by our members’ needs, not by stockholders looking to increase their net worth. Our Board of Directors consists of members who are volunteers. They consistently provide [strategic direction with our members’ financial well being as first priority](https://www.ncuf.coop/financial-well-being-for-all/), offering industry-leading banking solutions in a community-focused cooperative structure. Join our 150,000 plus members and enjoy the best credit union services and rates you’ll find anywhere, and join a community that gives back and cares about the places where we all live and work. [Join the SCU Community](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) [Learn More About Our Commitment to Our Community](/community/) [Learn About the SCU Community Foundation](/community-foundation/) ![history Scott Credit Union Online and in Person, With You Through it All image](https://www.scu.org/wp-content/uploads/2023/04/history-Scott-Credit-Union-Online-and-in-Person-With-You-Through-it-All-image.jpg "history Scott Credit Union Online and in Person, With You Through it All image - Scott Credit Union") --- ### [Investments](https://www.scu.org/investments/) **Published:** March 30, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Retirement & Investment Services ### Save and invest with the trusted advisors at SCU. We’re with you, for every financial stage of life. ## SCU Retirement & Investment Services Investment services and retirement planning are offered in collaboration with LPL Financial LLC (LPL) to help members invest and save even more. Whatever stage of life you’re in, and whatever you need help saving for, our Financial Advisor Anna Kamp can help. She’ll walk you through the many decisions you need to make to reach your financial goals and help you decide which investment and financial solutions are right for you, including: - Retirement Planning - 401(k) Planning - Wealth Management - Investment Planning - Estate Conversation - Insurance Planning - Education Funding - Business Planning [Schedule an Appointment](https://oncehub.com/AnnaKamp) [Contact SCU Retirement & Investment Services](#Contact-Retirement-Investment) ![investments - SCU Retirement & Investment Services](https://www.scu.org/wp-content/uploads/2023/04/investments-SCU-Retirement-Investment-Services.jpg "investments - SCU Retirement & Investment Services - Scott Credit Union") With SCU Retirement & Investment Services, you will be working with a professional resource to help make sure your financial plans align with your goals. You have access to an experienced financial professional who cares about your future. Depending upon your unique family or business situation, your individualized plan may also include development of a trust or more in-depth estate planning, for which Anna has undergone advanced training. [Explore Investing Resources & Seminars](/financial-education/) ## Come Meet with Anna Kamp For over 23 years, Anna has been helping members pursue their financial goals and dreams by carefully developing a plan that aligns with their individual needs. With a wealth of experience, Anna works with members to help them accumulate wealth during their working years, helps them achieve financial freedom and independence in retirement and helps with the transfer of assets in an advantageous manner. Areas of Professional Services: - Retirement Planning - Financial Planning - Investment Management for Seniors - Tax-Advantaged Investment Planning - Charitable Giving Planning - College Planning Anna is a Registered Representative of LPL Financial, and also holds an insurance license. Check the background of this investment professional, [click here](https://brokercheck.finra.org/individual/summary/4166855). Learn more about investing by exploring currently scheduled seminars and resources at the link below. [Explore Investing Resources & Seminars](/financial-education/) [Schedule an Appointment](https://oncehub.com/AnnaKamp) ![SCU anna kamp](https://www.scu.org/wp-content/uploads/2023/03/SCU-anna-kamp.png "SCU anna kamp - Scott Credit Union") **Anna Kamp, CRPC,** *Financial Advisor* Phone: (618) 381-7164 Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member [FINRA](https://www.finra.org/)/[SIPC](https://www.sipc.org/)). Insurance products are offered through LPL or its licensed affiliates. Scott Credit Union and SCU Retirement & Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using SCU Retirement & Investment Services, and may also be employees of Scott Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Scott Credit Union or SCU Retirement & Investment Services. Securities and insurance offered through LPL or its affiliates are: ![LPL disclaimer image](https://www.scu.org/wp-content/uploads/2023/04/LPL-disclaimer-image.png "LPL disclaimer image - Scott Credit Union") The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Scott Credit Union provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay Scott Credit Union for these referrals. This creates an incentive for Scott Credit Union to make these referrals, resulting in a conflict of interest. Scott Credit Union is not a current client of LPL for advisory services. Please visit <https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html> or scan the QR code below for more detailed information. 391708-1 Use the SCU Retirement Planning Calculator below to determine how much income you’ll need to secure for your retirement. Use the LPL Financial Form CRS for more information about the network of financial professionals who offer brokerage and investment advisory services. Not ready for an appointment, but have questions? Contact SCU Retirement & Investment Services to ask your question now. [Retirement Planning Calculator](/retirement-income/) [LPL Financial Form CRS](http://www.lpl.com/crs) [Contact SCU Retirement & Investment Services](#Contact-Retirement-Investment) ## Contact SCU Retirement & Investment Services Contact SCU Retirement & Investment Services Name \* Enter your name Email \* Enter your e-mail address Phone Number Enter your phone number Submit Message \* Type your questions or comments above If you are human, leave this field blank. Δ ## Which account is right for you? Set up a time to meet with Anna and choose the SCU Retirement & Investment Services plan that best fit your needs. Whatever the future holds, SCU Retirement & Investment Services is with you to make sure you and your finances are prepared. Let’s talk about smart investing, secure retirement plans, and everything that lies ahead for you and your family. Also, check out our member resources and upcoming educational sessions by visiting our investment resources page. [Explore Investing Resources & Seminars](/financial-education/) --- ### [SCU Insurance Agency](https://www.scu.org/insurance/) **Published:** September 16, 2024 **Author:** Chelsea Rogers **Content:** ## Find the Best Insurance Solutions With SCU Insurance Agency With You, Protecting You. For over 80 years, Scott Credit Union has been dedicated to offering competitive rates and diverse financial products to meet the needs of our members and community. SCU Insurance Agency extends this commitment by providing a seamless and efficient way to secure insurance coverage for what matters most to you. We make getting insurance simple and stress-free! [Browse Insurance Options](https://scu.insuranceaisle.com/home?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=browse_insurance_options) [![Insurance affiliate of Scott Credit Union](https://www.scu.org/wp-content/uploads/2024/09/SCU-Insurance-Agency-Stacked-Logo-scaled.jpg "SCU Insurance Agency - Scott Credit Union")](https://scu.insuranceaisle.com/products?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=scu_insurance_agency_affiliate_logo_image) ## Learn More About Our Insurance Solutions Ready to find the best insurance coverage for you? Click the link below to get started with SCU Insurance Agency. [Learn More](https://scu.insuranceaisle.com/home?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=learn_more) ## Why Choose SCU Insurance Agency? ### Compare Rates from 40+ Trusted Insurance Providers. Whether you're searching for a new car, homeowners insurance, specialized pet insurance, or anything in between, we provide comprehensive insurance options tailored to your specific needs. ### Easy Online Application. Our user-friendly online platform lets you quickly compare rates and coverage, making the process faster and more convenient. ## Explore Our Insurance Options By clicking the links, you will be leaving [scu.org](https://www.scu.org). Please review SCU Insurance Agency’s Privacy Policy, as it may differ from ours. [### Auto Insurance ](https://scu.insuranceaisle.com/vehicle/auto?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=auto_insurance_button)[### Home Insurance ](https://scu.insuranceaisle.com/property/home?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=home_insurance_button)[### Travel Insurance ](https://scu.insuranceaisle.com/more/travelinsurance?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=travel_insurance_button) [### Business Insurance ](https://scu.insuranceaisle.com/products?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=business_insurance_button)[### Pet Insurance ](https://scu.insuranceaisle.com/pet?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=pet_insurance_button)[### Wedding Insurance ](https://scu.insuranceaisle.com/more/wedding?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=wedding_insurance_button) [### Disaster Insurance ](https://scu.insuranceaisle.com/disaster?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=disaster_insurance_button)[### Renters Insurance ](https://scu.insuranceaisle.com/property/renters?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=renter_insurance_button)[### More Insurance Options ](https://scu.insuranceaisle.com/products?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=more_insurance_options_button) ## Questions? How is insurance through SCU Insurance Agency different than getting insurance elsewhere? - With SCU Insurance Agency, you get: - **Special insurance rates** – Benefit from special customer rates that we’ve negotiated with over 40 insurance companies. - **Non-commissioned licensed agents** – Our amazing team of agents is here to answer any questions you have. No obligation and no pressure … always! - **Support from a trusted partner** – SCU Insurance Agency is a wholly-owned subsidiary of Scott Credit Union, created to help customers like you with insurance. Is it cheaper to buy insurance through SCU Insurance Agency? - It may be! Shopping for insurance through SCU Insurance Agency gives you access to special rates we’ve negotiated with over 40 insurance companies. Many of our policyholders have saved hundreds of dollars by checking their insurance rates with us. How do I get insurance through SCU Insurance Agency? - For most insurance coverages, you can view your rates online (take as little as 20 minutes). Head over to our [Products page](https://scu.insuranceaisle.com/products) to get started. Or, you can email us, chat us, or give us a call and get connected to one of our friendly agents. ## Ready to Start Saving? Contact SCU Insurance Agency to get a quote on your next policy. [Get Started Online](https://scu.insuranceaisle.com/home?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=get_started_online_button) [Get In Touch](https://scu.insuranceaisle.com/get-in-touch?utm_source=scu_website&utm_medium=button_click&utm_campaign=insurance_page_launch&utm_content=get_in_touch_button) Call (618) 560-5466 Insurance products are not insured by NCUA or any Federal Government Agency; are not a deposit of, or guaranteed by the Credit Union or any Credit Union Affiliate; and may lose value. Any insurance required as a condition of the extension of credit by Scott Credit Union need not be purchased from our Agency but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the customer’s choice. --- ### [Community](https://www.scu.org/community/) **Published:** February 22, 2023 **Author:** Chelsea Rogers **Content:** # With You and our Community at SCU ### The Local Community Credit Union that Gives Back ## SCU Community Involvement Scott Credit Union has made giving back to its communities a major priority. Over the past 17 years, we have contributed financial donations of over $4 million, and our employees have volunteered more than 26,000 hours to a variety of community efforts and charitable causes in both Illinois and Missouri. We have increased our community involvement while also increasing efforts to educate consumers of the value of doing their financial business with a not-for-profit cooperative. At SCU, our focus is on serving as the local credit union that gives back to our neighbors and communities, every day. [Request for Support](https://scu.kadince.com/external/forms/972bc8400c5d1392b01503471cd97e20) ![community - Scott Credit Union Community Foundation event. building a playground](https://www.scu.org/wp-content/uploads/2023/04/community-Scott-Credit-Union-Community-Foundation-image-635x440.jpg "community - Scott Credit Union Community Foundation image") ## Scott Credit Union Community Foundation The Scott Credit Union Community Foundation is the 501(c)3 charitable foundation created by SCU in 2018 to expand the scope of our community involvement and ability to give back. [Learn More About the Foundation](https://www.scu.org/community-foundation/) ![Scott Credit Union Donating 5000 dollars](https://www.scu.org/wp-content/uploads/2023/04/community-SCU-Community-Involvement-1-635x440.jpg "community - SCU Community Involvement") ## With You Grants Program A primary focus of the SCU Community Foundation is the implementation of programs to support initiatives at local schools. In 2025, the Scott Credit Union Community Foundation allocated $150,000 to be awarded to a variety of school projects. [Learn More or Donate](https://www.scu.org/community-foundation/) [See Our 2025 Winners](https://www.scu.org/community-foundation/#with-you-grant) ![With you program, students learning](https://www.scu.org/wp-content/uploads/2023/03/With-You-Program-635x340.jpg "community page: With You Program image") ### **Community Impact & Current Partnerships** Scott Credit Union and the Scott Credit Union Community Foundation have contributed more than $3.9 million to support various community endeavors throughout the years, not counting volunteer hours. SCU employees and members remain committed to supporting our local community organizations throughout the counties we serve, including sponsoring a variety of community sports teams and scholastic organizations. A few of our Community Partners include: - [100+ Women Who Care from the 618](https://www.facebook.com/groups/wwcfromthe618/) - [126th Air Refueling Wing](https://www.126arw.ang.af.mil/) - [375th Force Support Squadron](http://www.375fss.com/) - [American Cancer Society](http://www.cancer.org/) - [American Heart Association](https://www.heart.org/HEARTORG/) - [Anderson Hospital](https://www.andersonhospital.org/) - [Chicago Wolves](https://www.chicagowolves.com/) - [Edwardsville Arts Center](https://www.edwardsvilleartscenter.com/) - [Edwardsville Children’s Museum](https://edwcm.org/) - [Fisher House St. Louis](http://www.fisherhouseinstl.org/) - [Gateway Arch Park Foundation](https://www.archpark.org/) - [Gateway Motorsports Park](https://wwtraceway.com/) - [Gateway Region YMCA](https://www.gwrymca.org/) - [Girls Inc. of St. Louis](https://www.girlsincstl.org/) - [Illinois Center for Autism](http://www.illinoiscenterforautism.org/) - [Inspire Up Foundation](http://www.inspireupfoundation.org/) - [It’s Not Too Late Scholarship](https://intlscholarship.com/) - [Lewis & Clark Community College](https://www.lc.edu/) - [Madison County Child Advocacy Center](https://www.co.madison.il.us/departments/child_advocacy_center/index.php) - [McKendree University](http://www.mckendree.edu/) - [Mission St. Louis](https://www.missionstl.org/) - [Nurses for Newborns](https://www.nursesfornewborns.org/home/missouri-2/) - [Rebuilding Together St. Louis](http://www.rebuildingtogether-stl.org/) - [Scott Air Force Base](https://www.scott.af.mil/) - [Songs4Soldiers](https://songs4soldiersstl.org/) - [Southern Illinois University Edwardsville](http://www.siue.edu/) - [Southwestern Illinois College](http://www.swic.edu/) - [Special Olympics Illinois Area 12](http://www.ilso.org/area/index.php?area=12) - [St. Elizabeth’s Hospital](http://www.steliz.org/) - [St. Louis Blues](https://www.nhl.com/blues) - [United Way of Greater St. Louis](https://helpingpeople.org/) - [Urban League of St. Louis](https://www.ulstl.com/) - [USO Missouri](https://www.usomissouri.org/) - [Veterans Community Project](https://www.veteranscommunityproject.org/vcp-stlouis) - [WWT Raceway](https://wwtraceway.com/) ### "We do not just speak the words, we put them into action. As Scotty, I found true delight bringing smiles to faces without uttering a single word. I truly enjoyed creating unforgettable moments.” ***Keisah Searcy – 2023 Scotty Of The Year*** ## Request Support from Scott Credit Union ### **Scott Credit Union is always looking for new ways to give back to the community.** If your group, organization, team or event could use volunteers, donations, or support, please submit a request to our Community Relations Team at least four weeks prior to your event. [Charitable Request Form](https://scu.kadince.com/external/forms/972bc8400c5d1392b01503471cd97e20) --- ### [Credit Card Optimizer](https://www.scu.org/credit-card-optimizer/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Credit Card Optimizer ## Credit Card Optimizer The Credit Card Optimizer helps you determine the best distribution of your credit card debt. By entering your credit card balances, rates, and credit limits this calculator determines which balance transfers will produce the greatest savings. --- ### [Calculators](https://www.scu.org/calculators/) **Published:** February 18, 2023 **Author:** Chelsea Rogers **Content:** # SCU Financial Calculators ### Make smart decisions by using the Scott Credit Union calculators below. Plan your best auto loan strategy, calculate your ideal mortgage terms, or find out how to save for that upcoming vacation. Choose your calculator, enter your numbers, and get started. [FIND SCU NEAR YOU](/locations/) ## SCU Financial Calculators ### **Auto Loan Calculator** Determine your monthly car loan payment or your car purchase price. [**CALCULATE NOW**](/auto-loan-calculator/) ### **Auto Rebate vs. Low Interest Financing** Determine if you should take advantage of low-interest financing or a manufacturer rebate. [**CALCULATE NOW**](/auto-rebate-calculator/) ### **Credit Card Optimizer** Calculate which balance transfers will produce the greatest savings. [**CALCULATE NOW**](/credit-card-optimizer/) ### **Mortgage Calculator** Calculate your mortgage. [**CALCULATE NOW**](/mortgage-calculator/) ### **Retirement Income Calculator** Calculate how much monthly income your retirement savings may provide you in your retirement. [**CALCULATE NOW**](/retirement-income/) ### **Savings Calculator** Calculate how to put this savings strategy to work for you. [**CALCULATE NOW**](/savings-calculator/) *\*Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.* ### **Payment / Amortization Calculator** Calculate your monthly payment and see how the principal is paid over time. [**CALCULATE NOW**](https://mortgage.scu.org/PaymentAmortization.html) ### **Rent vs Own Calculator** Calculate the difference between renting and buying a home. [**CALCULATE NOW**](https://mortgage.scu.org/RentvsOwn.html) ### **Annual Percentage Rate Calculator** Calculate the APR for fixed-rate or adjustable-rate loans. [**CALCULATE NOW**](https://mortgage.scu.org/AnnualPercentageRate.html) ### **Debt Consolidation Calculator** Determine if you can consolidate your debt by combining it with your home mortgage. [**CALCULATE NOW**](https://mortgage.scu.org/DebtConsolidation.html) ### **Prepayment Savings Calculator** Find out how soon you can pay off your mortgage by making a prepayment. [**CALCULATE NOW**](https://mortgage.scu.org/PrepaymentSavings.html) ### **Early Payoff Calculator** Determine the additional monthly payment amount needed to pay off the loan sooner. [**CALCULATE NOW**](https://mortgage.scu.org/EarlyPayoff.html) ### **Refinance Break-Even Point Calculator** Find out how long it will take to “break-even” on a refinanced loan. [**CALCULATE NOW**](https://mortgage.scu.org/RefinanceBreakEven.html) ### **Tax Savings Calculator** Determine the estimated tax savings with a new loan. [**CALCULATE NOW**](https://mortgage.scu.org/TaxSavings.html) ### We're proud to continue to serve the **Scott Air Force Base** community [Find SCU on Base](/scott-afb-il) --- ### [Retirement Income Calculator](https://www.scu.org/retirement-income/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Retirement Income Calculator ## Retirement Income Calculator Use this calculator\* to determine how much monthly income your retirement savings may provide you in your retirement. Your annual savings, expected rate of return and your current age all have an impact on your retirement’s monthly income. View the full report to see a year-by-year breakdown of your retirement savings. ### Definitions **Starting balance** Initial balance that you have in your retirement accounts. **Annual contributions** The amount you will contribute to your retirement savings each year. This calculator assumes that you make your contribution at the beginning of each year. This should reflect the total you save toward your retirement. This should include any retirement plans and your employer’s contributions to these plans. It should also include any other retirement accounts and any retirement savings in non-retirement accounts. This calculator assumes that you make one annual contribution at the start of each year, and any withdrawals happen once per month at the beginning of each month. **Age at retirement** Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions to your retirement savings. For example, if you retire at age 65, your last contribution occurs when you are actually age 64. **Rate of return before retirement** This is the annual rate of return you expect from your investments before taxes. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor’s 500® (S&P 500®) for the 10 years ending December 31st 2019, had an annual compounded rate of return of 13.2%, including reinvestment of dividends. From January 1, 1970 to December 31st 2019, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.7% (source: www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances. It is important to remember that these scenarios are hypothetical and that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return does not reflect sales charges and other fees that investment funds and/or investment companies may charge. **Rate of return during retirement** This is the annual rate of return you expect from your investments during retirement. It is often lower than the return earned before retirement due to more conservative investment choices to help insure a steady flow of income. The actual rate of return is largely dependent on the types of investments you select. The Standard & Poor’s 500® (S&P 500®) for the 10 years ending December 31st 2019, had an annual compounded rate of return of 13.2%, including reinvestment of dividends. From January 1, 1970 to December 31st 2019, the average annual compounded rate of return for the S&P 500®, including reinvestment of dividends, was approximately 10.7% (source: www.standardandpoors.com). Since 1970, the highest 12-month return was 61% (June 1982 through June 1983). The lowest 12-month return was -43% (March 2008 to March 2009). Savings accounts at a financial institution may pay as little as 0.25% or less but carry significantly lower risk of loss of principal balances. It is important to remember that these scenarios are hypothetical and that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return does not reflect sales charges and other fees that investment funds and/or investment companies may charge. --- ### [News & Media](https://www.scu.org/news-media/) **Published:** May 2, 2023 **Author:** Jeff Roderick **Content:** ## [Consumers Credit Union and Scott Credit Union Announce Intent to Combine, Creating Greater Value for Members and Communities](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-10-01T14:00:41+00:00Proposed combination would create a stronger, future-ready credit union focused on members, employees, and communities LAKE FOREST, IL and EDWARDSVILLE, IL (October 1, 2026) – Consumers Credit Union (CCU) and Scott Credit Union (SCU) today announced intent to combine their organizations, creating a stronger member-owned financial cooperative positioned to serve members,... [Read more...](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) ## [Scott Credit Union Invests $250,000 in St. Elizabeth’s Hospital Regional Expansion Project](https://www.scu.org/scott-credit-union-invests-250000-in-st-elizabeths-hospital-regional-expansion-project/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-08-26T21:12:56+00:00Edwardsville, IL – August 26, 2026 - Scott Credit Union has committed a $250,000 major gift to the HSHS St. Elizabeth’s Hospital Foundation in support of the hospital’s ongoing $116 million campus expansion. This latest investment builds upon Scott Credit Union’s longstanding relationship with St. Elizabeth’s, continuing a legacy of... [Read more...](https://www.scu.org/scott-credit-union-invests-250000-in-st-elizabeths-hospital-regional-expansion-project/) ## [Scott Credit Union Launches “Community Heroes Loan Program” to Recognize Local Service Professionals Ahead of America’s 250th Anniversary](https://www.scu.org/scott-credit-union-launches-community-heroes-loan-program-to-recognize-local-service-professionals-ahead-of-americas-250th-anniversary/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-07-02T15:00:39+00:00Edwardsville, IL — July 2, 2026 — As the nation reflects on 250 years of American history, Scott Credit Union (SCU) has launched a meaningful initiative to honor the everyday heroes shaping our future. The new Community Heroes Loan Program is now available, offering a specialized suite of lending benefits... [Read more...](https://www.scu.org/scott-credit-union-launches-community-heroes-loan-program-to-recognize-local-service-professionals-ahead-of-americas-250th-anniversary/) ## [The Scott Credit Union Community Foundation’s 18th Annual Golf Scramble Raises $63,508 for Local Communities](https://www.scu.org/the-scott-credit-union-community-foundations-18th-annual-golf-scramble-raises-63508-for-local-communities/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-05-29T13:32:37+00:00Edwardsville, IL - May 28, 2026 - The Scott Credit Union Community Foundation is pleased to announce the success of its 18th Annual Golf Scramble, held on May 15, 2026, at Stonewolf Golf Club in Fairview Heights, Illinois. The event brought together 144 participants for a day of friendly competition... [Read more...](https://www.scu.org/the-scott-credit-union-community-foundations-18th-annual-golf-scramble-raises-63508-for-local-communities/) ## [Scott Credit Union Receives FOCUS St. Louis’ What’s Right with the Region Award for Innovative With You Grants Program](https://www.scu.org/scott-credit-union-receives-focus-st-louis-whats-right-with-the-region-award-for-innovative-with-you-grants-program/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-05-08T20:36:36+00:00Edwardsville, IL – (May 8, 2026) – Scott Credit Union (SCU) is proud to announce it has received the 29th Annual What’s Right with the Region Award in the category of Demonstrating Innovative Solutions. Presented by FOCUS St. Louis, the award recognizes the SCU Community Foundation’s With You Grants Program... [Read more...](https://www.scu.org/scott-credit-union-receives-focus-st-louis-whats-right-with-the-region-award-for-innovative-with-you-grants-program/) ## [Scott Credit Union Appoints Michael Cannes as First Chief Risk Officer to Strengthen Strategic Growth](https://www.scu.org/scott-credit-union-appoints-michael-cannes-as-first-chief-risk-officer-to-strengthen-strategic-growth/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-04-30T15:09:36+00:00Edwardsville, IL – April 30, 2026 – Scott Credit Union (SCU) is pleased to announce the appointment of Michael Cannes as the organization’s first Chief Risk Officer, effective April 20, 2026. This strategic hire marks a significant milestone in SCU’s commitment to reinforcing its executive leadership team to support long-term... [Read more...](https://www.scu.org/scott-credit-union-appoints-michael-cannes-as-first-chief-risk-officer-to-strengthen-strategic-growth/) ## [Scott Credit Union Wins Prestigious Diamond Award for Digital Advertising Excellence](https://www.scu.org/scott-credit-union-wins-prestigious-diamond-award-for-digital-advertising-excellence/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-04-14T21:18:44+00:00Edwardsville, IL – April 14, 2026 – Scott Credit Union was among 181 credit unions nationwide named as a winner of the prestigious 2026 Diamond Awards. Presented by America's Credit Unions Marketing, PR & Development Council, the annual competition recognizes the most effective and innovative marketing campaigns in the credit... [Read more...](https://www.scu.org/scott-credit-union-wins-prestigious-diamond-award-for-digital-advertising-excellence/) ## [Scott Credit Union Hosts Virtual 83rd Annual Membership Meeting](https://www.scu.org/scott-credit-union-hosts-virtual-83rd-annual-membership-meeting/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-03-20T15:55:52+00:00Edwardsville, IL – March 20, 2026 – Scott Credit Union (SCU) held its 83rd Annual Meeting on Thursday, March 19, 2026, bringing together members, leadership, and the Board of Directors to review the accomplishments of 2025 and discuss the credit union’s vision for the future. Throughout 2025, SCU lived out its... [Read more...](https://www.scu.org/scott-credit-union-hosts-virtual-83rd-annual-membership-meeting/) --- ### [Blog](https://www.scu.org/blog/) **Published:** April 27, 2023 **Author:** Jeff Roderick **Content:** - [![Woman using a laptop with a digital security padlock graphic protecting online accounts.](https://www.scu.org/wp-content/uploads/2026/10/how-to-spot-online-scams-and-protect-digtial-accounts.png)](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) ## [How to Spot Online Scams and Protect Your Digital Accounts](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) October is National Cybersecurity Awareness Month, making it the perfect time to review your digital defense strategy. As financial services become faster and more convenient, cybercriminals are becoming more sophisticated [Read More ](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) - ## [Consumers Credit Union and Scott Credit Union Announce Intent to Combine, Creating Greater Value for Members and Communities](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) Proposed combination would create a stronger, future-ready credit union focused on members, employees, and communities LAKE FOREST, IL and EDWARDSVILLE, IL (October 1, 2026) – Consumers Credit Union (CCU) and [Read More ](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) - [![Concerned older woman holding her head while talking on a smartphone during an AI voice scam call.](https://www.scu.org/wp-content/uploads/2026/09/ai-voice-scam-phone-call.png)](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) ## [Learn How AI Voice Scams Work and How to Spot Them](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) Learn How AI Voice Scams Work and How to Spot Them Imagine answering a phone call from an unknown number, only to hear your child or grandchild in frantic tears. [Read More ](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) - [![Customer holding a smartphone over a contactless payment terminal to complete a secure tap-to-pay transaction.](https://www.scu.org/wp-content/uploads/2026/09/tap-to-pay-safer-than-swiping.png)](https://www.scu.org/is-tap-to-pay-safer-than-swiping/) ## [Is Tap to Pay Safer Than Swiping?](https://www.scu.org/is-tap-to-pay-safer-than-swiping/) Yes. Tap to pay is generally safer than swiping your card because contactless payments use modern chip technology and unique security information for each transaction instead of relying on the [Read More ](https://www.scu.org/is-tap-to-pay-safer-than-swiping/) - [![Person holding a smartphone adding clothing items to an online shopping cart in front of a laptop screen displaying retail apparel, showcasing the treat yourself trap.](https://www.scu.org/wp-content/uploads/2026/09/Tips-Avoid-Treat-Yourself-Trap-Scott-Credit-Union.png)](https://www.scu.org/10-tips-to-avoid-the-treat-yourself-trap/) ## [10 Tips to Avoid the “Treat Yourself” Trap](https://www.scu.org/10-tips-to-avoid-the-treat-yourself-trap/) We’ve all been there: after surviving a marathon week of meetings, errands, and life logistics, an online cart full of “little pick-me-ups” suddenly feels 100% justified. Telling yourself “I deserve [Read More ](https://www.scu.org/10-tips-to-avoid-the-treat-yourself-trap/) - [![Three smiling firefighters in uniform outside a fire station bay with fire trucks, representing Scott Credit Union's Community Heroes Loan Program.](https://www.scu.org/wp-content/uploads/2026/09/scott-credit-union-first-responder-community-heroes-loans.png)](https://www.scu.org/loans-for-first-responders-vehicle-mortgage-and-personal-financing-for-community-heroes/) ## [Loans for First Responders: Vehicle, Mortgage, and Personal Financing for Community Heroes](https://www.scu.org/loans-for-first-responders-vehicle-mortgage-and-personal-financing-for-community-heroes/) Loans for First Responders: Vehicle, Mortgage, and Personal Financing for Community Heroes When emergencies strike, first responders are the first to answer the call. From running into burning buildings to [Read More ](https://www.scu.org/loans-for-first-responders-vehicle-mortgage-and-personal-financing-for-community-heroes/) - [![A concerned woman sitting on a couch reading a suspicious text message on her cell phone.](https://www.scu.org/wp-content/uploads/2026/08/fraud-alert-text-message-scam-scott-credit-union.png)](https://www.scu.org/fraud-alert-text-messages-scam-warning/) ## [Fraud Alert Text Messages: Scam Warning](https://www.scu.org/fraud-alert-text-messages-scam-warning/) Imagine sitting on your couch on a Friday evening when your phone buzzes with an alert: “SCU URGENT ALERT: Unusual charge of $1,200 detected. Reply YES or NO.” Panic sets [Read More ](https://www.scu.org/fraud-alert-text-messages-scam-warning/) - [![welcome to your mastercard upgrade. A new wave is coming](https://www.scu.org/wp-content/uploads/2026/08/Mastercard-Blog-Header.png)](https://www.scu.org/what-to-expect-with-your-new-scu-mastercard-debit-or-credit-card/) ## [What to Expect With Your New SCU Mastercard Debit or Credit Card](https://www.scu.org/what-to-expect-with-your-new-scu-mastercard-debit-or-credit-card/) As our Mastercard® upgrade gets underway, we want to make sure you have all the details you need for a smooth transition. Your new SCU Mastercard brings enhanced security, world-class [Read More ](https://www.scu.org/what-to-expect-with-your-new-scu-mastercard-debit-or-credit-card/) - [![Two college students sitting outdoors on campus, holding coffee and reviewing mobile banking on a smartphone with an open notebook.](https://www.scu.org/wp-content/uploads/2026/08/college-financial-guide-student-checking-account-scott-credit-union.png)](https://www.scu.org/college-financial-survival-guide-smart-money-management-for-students/) ## [College Financial Survival Guide: Smart Money Management for Students](https://www.scu.org/college-financial-survival-guide-smart-money-management-for-students/) Between tuition, housing, and late-night food runs, college expenses can spiral out of control quickly. Learning how to manage money as a young adult is tough, but establishing financial independence [Read More ](https://www.scu.org/college-financial-survival-guide-smart-money-management-for-students/) - [![High school students talking by lockers in a hallway during back-to-school season.](https://www.scu.org/wp-content/uploads/2026/08/back-to-school-savings-student-checking-account-scott-credit-union.png)](https://www.scu.org/back-to-school-savings-tips-tricks/) ## [Back to School Savings – Tips & Tricks](https://www.scu.org/back-to-school-savings-tips-tricks/) Getting ready for a new school year can be an exciting and overwhelming time. Between endless supply lists, new clothes, and tech upgrades, back-to-school costs can quickly strain your budget. [Read More ](https://www.scu.org/back-to-school-savings-tips-tricks/) - [![Person sitting next to an open suitcase with a notebook and pencil, budgeting after summer travel.](https://www.scu.org/wp-content/uploads/2026/07/reset-budget-after-summer-vacation-scott-credit-union.png)](https://www.scu.org/vacation-hangover-how-to-reset-your-budget-after-summer-travel/) ## [Vacation Hangover? How to Reset Your Budget After Summer Travel](https://www.scu.org/vacation-hangover-how-to-reset-your-budget-after-summer-travel/) Summer travel can be worth every mile, meal, and memory. But after the vacation ends, the financial effects may stick around. Airfare, hotels, dining, activities, transportation, and unexpected purchases can [Read More ](https://www.scu.org/vacation-hangover-how-to-reset-your-budget-after-summer-travel/) - [![Homeowner sealing a window as part of high-efficiency home upgrades that can be financed with a Scott Credit Union HELOC.](https://www.scu.org/wp-content/uploads/2026/07/scott-credit-union-heloc-high-efficiency-home-upgrades.png)](https://www.scu.org/how-to-finance-high-efficiency-home-upgrades-with-a-heloc/) ## [How to Finance High-Efficiency Home Upgrades With a HELOC](https://www.scu.org/how-to-finance-high-efficiency-home-upgrades-with-a-heloc/) High-efficiency home upgrades can make your home more comfortable, help reduce wasted energy, and support long-term savings. But projects like replacing an HVAC system, adding insulation, installing new windows, or [Read More ](https://www.scu.org/how-to-finance-high-efficiency-home-upgrades-with-a-heloc/) [Load More](javascript:void(0)) --- ### [Savings Calculator](https://www.scu.org/savings-calculator/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Savings Calculator ## Savings Calculator Consistent investments over a number of years can be an effective strategy to accumulate wealth. Even small additions to your savings add up over time. This calculator\* demonstrates how to put this savings strategy to work for you. --- ### [Scott Credit Union Crestwood MO](https://www.scu.org/crestwood-mo/) **Published:** January 25, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union: Crestwood, MO Location ### SCU is the credit union of choice for Crestwood residents, and our focus is on supporting local charitable organizations and schools. [View All Locations](/locations/) ## Crestwood Branch & ATM Locations Our Member Contact Center and Branches are closed for all Federal Holidays. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations). ![Crestwood Location Image](https://www.scu.org/wp-content/uploads/2023/04/Crestwood-Location-Image.jpg "Crestwood Location Image - Scott Credit Union") ### Crestwood Branch 9792 Watson Rd, St. Louis, MO 63126Member Contact Center: [(618) 345-1000](tel:6183451000) Email: memberservice@scu.org [Get Directions](https://goo.gl/maps/8vcYCGcM6RvbpWLX9) ### Lobby Hours Monday – Thursday, 9 a.m. – 5:30 p.m. Friday, 9 a.m. – 6 p.m. Saturday, 9 a.m. – 12 p.m. ### Drive Up Hours Monday – Friday, 8 a.m. – 6 p.m. Saturday, 8 a.m. – 12 p.m. ### Drive-Up ATM (24 Hours) Drive-Up (accepts deposits) **This location features a 24-hour drive-up ATM.** Download the [SCU Mobile Banking app](/online-services/) for full account access, 24/7. For a complete list of scheduled holidays, learn more at [scu.org/locations](/locations/). Still looking for an ATM near you? Scott Credit Union Crestwood, MO, members have access to over 30,000 **CO-OP ATMs.** This means you have means you have more direct, surcharge-free* access to your money than most traditional bank customers do. Find a nearby ATM using the link below. [Find a CO-OP ATM Location](https://co-opcreditunions.org/locator/?ref=co-opatm.org&sc=1 "SCU CO-OP BRANCH LOCATIONS") *Surcharge-free transactions are available for debit and ATM card holders. --- ### [Auto Loan Calculator](https://www.scu.org/auto-loan-calculator/) **Published:** April 19, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Auto Loan Calculator ## Auto Loan Calculator Use this calculator to help you determine your monthly car loan payment or your car purchase price. After you have entered your current information, use the graph options to see how different loan terms or down payments can impact your monthly payment. You can also examine your complete amortization schedule by clicking on the **‘View Report‘** button. ### **Definitions** **Monthly payment** Monthly payment for your auto financing. **Total purchase price (before tax)** This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. Don’t include sales tax in this amount. Sales tax will be calculated for you and included in your total after-tax price. **Term in months** Number of months for this loan. **Interest rate** Annual interest rate for this loan. **Rebates and cash down** Total amount of cash and/or factory rebates used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase. **Trade allowance** The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for “No sales tax deduction for trade-in” for more information on trade-in vehicles and sales tax. **Amount owed on trade** Total loan balance still outstanding on the trade-in. **Non-taxable fees (optional)** Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable. **Taxable fees (optional)** Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable. **Sales tax rate** Sales tax percentage rate charged on this purchase. **No sales tax deduction for trade-in** If you live in a state where your sales tax is calculated on your full purchase price, check this box. If this box is unchecked, sales tax is calculated on the purchase price less trade-in. Currently California, the District of Columbia, Hawaii and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire and Oregon have no sales tax on autos. --- ### [Resources](https://www.scu.org/resources/) **Published:** February 23, 2023 **Author:** Chelsea Rogers **Content:** # Member Self Help ## Credit Union Resources & News Welcome to the Scott Credit Union Member Resources page. Here you can find helpful information, tools, and resources to help you manage your finances. ## Read the SCU Blog ### **TIPS AND SELF HELP CREDIT UNION MEMBERS WANT** Keep up to date on the latest news and trends by reading the SCU blog. Our experts write articles regularly on topics like budgeting, credit, investments, and more. At Scott Credit Union, we believe that knowledge is power. That’s why we’ve created this blog to share news and tips about financial topics with our members. We hope you’ll find valuable information to help you make the most of your hard-earned money. We’re dedicated to providing our members with the tools they need to achieve financial success. We strive to Build Better Financial Futures. Check back often to get the latest updates and advice from our blog. [ ![Woman using a laptop with a digital security padlock graphic protecting online accounts.](https://www.scu.org/wp-content/uploads/2026/10/how-to-spot-online-scams-and-protect-digtial-accounts-400x300.png "how to spot online scams and protect digtial accounts - Scott Credit Union") ](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) #### [How to Spot Online Scams and Protect Your Digital Accounts](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-10-06T12:16:02+00:00October is National [Cybersecurity](https://www.scu.org/everything-you-need-to-know-about-cybersecurity/) Awareness Month, making it the perfect time to... [Read more...](https://www.scu.org/how-to-spot-online-scams-and-protect-digital-accounts/) #### [Consumers Credit Union and Scott Credit Union Announce Intent to Combine, Creating Greater Value for Members and Communities](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-10-01T14:00:41+00:00Proposed combination would create a stronger, future-ready credit union focused on members, employees,... [Read more...](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) [ ![Concerned older woman holding her head while talking on a smartphone during an AI voice scam call.](https://www.scu.org/wp-content/uploads/2026/09/ai-voice-scam-phone-call-400x300.png "ai voice scam phone call - Scott Credit Union") ](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) #### [Learn How AI Voice Scams Work and How to Spot Them](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) [Jen Audetat](https://www.scu.org/author/jenmoos/)2026-09-29T19:03:37+00:00Learn How AI Voice Scams Work and How to Spot Them Imagine answering... [Read more...](https://www.scu.org/ai-voice-cloning-scams-how-to-spot-them/) [More Financial Blog Articles](/blog/) ![woman applying for loan on computer image](https://www.scu.org/wp-content/uploads/2023/02/woman-applying-for-loan-on-computer-image.jpg "woman applying for loan on computer image - Scott Credit Union") ## Keep Your Information & Money Secure ### **KEEP UP WITH THE LATEST SCAM AND FRAUD ALERTS** SCU is With You for all your financial needs, and that includes [keeping you safe from fraud, scams, and phishing schemes](https://www.mycreditunion.gov/fraud-prevention-center). Check out this frequently updated security resource to create a plan to keep your personal information – and your money – safe from potential thieves. [Visit Our Security Updates Page](/security/) ## SCU Online & Mobile Banking Services ### **BANKING SERVICES DESIGNED TO MAKE MANAGING YOUR FINANCES EASIER THAN EVER.** #### [How do I set up online banking with SCU?](#collapse628519282) With our secure and convenient Online Banking, you can securely access your accounts anytime, anywhere. You can also view account balances, transfer funds, pay bills, and more. [Set Up MySCU Login](https://secure.scottcreditunion.com/scuonline/uux.aspx) [View SCU Online Tutorials](/online-services/#mobile-tutorials) #### [Does Scott Credit Union have an app?](#collapse114207378) Yes! Our Mobile Banking app lets you manage your finances on the go, for free1. You can check account balances, transfer funds, deposit checks, and more. Plus, our app is optimized for both iOS and Android devices, so you can access our services wherever you go. 1Your mobile service provider may charge Internet access fees. Web access is needed for SCU Mobile. Check with your service provider for details on specific fees and charges for mobile internet access. [Download for Iphone](https://apps.apple.com/us/app/scott-credit-union/id1513405754) [Download for Android](https://play.google.com/store/apps/details?id=com.scottcreditunion5029.mobile&hl=en_US) [View SCU Mobile Tutorials](/online-services/#mobile-tutorials) #### [Key Features of the app](#collapse1505677543) - Manage your accounts from anywhere - Deposit a check - Transfer funds - Make a loan payment - Pay bills - Find a location - More [Download for Iphone](https://apps.apple.com/us/app/scott-credit-union/id1513405754) [Download for Android](https://play.google.com/store/apps/details?id=com.scottcreditunion5029.mobile&hl=en_US) [View SCU Mobile Tutorials](/online-services/#mobile-tutorials) ## SCU Savings, Retirement, & Loan Calculators ### **FINANCIAL PLANNING TOOLS YOU CAN USE NOW** SCU offers a variety of financial calculators to help you plan for the future. From mortgage and loan calculators to retirement planning, we have the tools to help you make informed financial decisions. To get started, choose the calculator you need and plug in your numbers to start planning. Savings Calculator Enter custom savings account goals, starting balance, and more to create a savings plan that helps fund your goals, on your timeline. [Use the Savings Calculator](/savings-calculator/) Retirement Income Calculator It’s always a good time to double-check your retirement income planning. Use the SCU Retirement Income Calculator to make sure you’ll have enough money to fund your retirement. [Calculate My Retirement Income](/retirement-income/) Scott Credit Union Auto Loan Calculators SCU offers two auto loan calculator options. Choose the Auto Loan Calculator to find your ideal vehicle purchase price or set your monthly payment budget, then input different down payment amounts and view loan terms and amortization schedules based on your numbers. If you’re wondering whether it’s better to take a dealership rebate offer or opt for low interest auto loan financing, use the SCU Auto Rebate vs. Low Interest Financing calculator to compare payments, interest, and amortization for the life of your loan. [Find My Ideal Purchase Price and Payment Options](/auto-loan-calculator/) [Compare a Rebate Offer with Low-Interest Financing](/auto-rebate-calculator/) Credit Card Optimizer Thinking about a credit card balance transfer offer to consolidate credit card debt? Use the SCU Credit Card Optimizer to figure out just how much you’ll benefit from consolidating your credit card debt, based on current interest rates and monthly payments for all your credit card balances. [Optimize My Credit Card Balances](/credit-card-optimizer/) Calculate Your Mortgage Options Our Mortgage Calculators are designed to provide you with the insights you need to make the most informed decision when it comes to your home loan or loan refinancing. Our Mortgage Calculators can help you decide whether now is a good time to buy or rent, and compare the estimated monthly payments of different loan options. You can also decide whether you prefer fixed-rate and adjustable-rate mortgages and analyze different repayment timelines, as well as compare government programs like FHA and VA loans. Choose the calculator you need below to answer specific Mortgage questions. #### **Payment / Amortization Calculator** Calculate your monthly payment and see how the principal is paid over time. [**CALCULATE NOW**](https://mortgage.scu.org/PaymentAmortization.html) #### **Rent vs Own Calculator** Calculate the difference between renting and buying a home. [**CALCULATE NOW**](https://mortgage.scu.org/RentvsOwn.html) #### **Annual Percentage Rate Calculator** Calculate the APR for fixed-rate or adjustable-rate loans. [**CALCULATE NOW**](https://mortgage.scu.org/AnnualPercentageRate.html) #### **Debt Consolidation Calculator** Determine if you can consolidate your debt by combining it with your home mortgage. [**CALCULATE NOW**](https://mortgage.scu.org/DebtConsolidation.html) #### **Prepayment Savings Calculator** Find out how soon you can pay off your mortgage by making a prepayment. [**CALCULATE NOW**](https://mortgage.scu.org/PrepaymentSavings.html) #### **Early Payoff Calculator** Determine the additional monthly payment amount needed to pay off the loan sooner. [**CALCULATE NOW**](https://mortgage.scu.org/EarlyPayoff.html) #### **Refinance Break-Even Point Calculator** Find out how long it will take to “break-even” on a refinanced loan. [**CALCULATE NOW**](https://mortgage.scu.org/RefinanceBreakEven.html) #### **Tax Savings Calculator** Determine the estimated tax savings with a new loan. [**CALCULATE NOW**](https://mortgage.scu.org/TaxSavings.html) Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. ## Need Help? ### CONTACT OUR MEMBER SUPPORT TEAM ##### Monday – Friday 8am-6pm CT and Saturday 9am-1pm CT At SCU, we’re With You for every financial need, and that includes questions about our services or accounts. Visit our Member Support page to find the information you need and request additional information or help. [Contact Member Support](/contact/) --- ### [Membership](https://www.scu.org/membership/) **Published:** April 5, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Membership ### Join today for the benefits of Credit Union Membership ## SCU is With You Put simply, anyone living or working in one of the 32 counties Scott Credit Union serves is invited to open an account and enjoy the benefits of belonging to a neighborhood credit union. Membership doesn’t cost a dime, and SCU only requires a minimum savings account balance of $5.00 as your membership share. We encourage you to learn more about how we can save you money on banking services. Join the 150,000 plus members we serve, and experience the benefits of credit union membership. ***Get started today!*** [Join Now](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) ![Scott Credit Union is with you image of adults around a desk](https://www.scu.org/wp-content/uploads/2023/04/membership-page-SCU-is-with-you-image.jpg "membership page - SCU is with you image - Scott Credit Union") ## Why Join SCU? Scott Credit Union is member owned, member operated, and a not-for-profit organization. Any revenue generated after expenses and reserves are met is given back to the members in the form of better rates and more services. Over the past 16 years, Scott Credit Union has given back a remarkable $15.4 million to our members through the bonus dividend and loan interest rebate. Since we are a not-for-profit cooperative, we give our earnings back to members through dividends, loan interest rebates, better rates on savings, lower rates on loans, lower fees and the most convenient services possible. Our structure is the best for the consumer. When we do well, everyone benefits. In 2024, [Scott Credit Union gave a bonus dividend and loan interest rebate](https://www.scu.org/scott-credit-union-gives-back-over-1-million-to-its-members/) to its members totaling over $1,000,000. The money was directly deposited into Scott Credit Union members’ accounts1. Bonus dividends and loan rebates are exclusive perks of credit union members because of their member-owned structure. Scott Credit Union has given back millions of dollars to members through a bonus dividend and loan interest rebate over the years. The [Bonus Dividend and Loan Interest Rebate](https://www.scu.org/all-you-need-to-know-about-bonus-dividends-and-loan-rebates/) are two more examples of the value of your active membership with Scott Credit Union! We share our success with you… our members and owners! Having your accounts with Scott Credit Union can save you money. We offer similar products and services to what the conventional financial institutions have, but we do so with our members’ best interest in mind. ***Get started today – become a member of Scott Credit Union!*** [Open your Account](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) *1The bonus dividends were paid on share savings accounts and IRA savings accounts for November (except on Holiday Club accounts). The bonus was paid on the monthly average balance of $100 or more through November 30, 2023.* ![President & CEO at Scott Credit Union](https://www.scu.org/wp-content/uploads/2023/04/membership-page-why-join-SCU-image.jpg "membership page - why join SCU image - Scott Credit Union") President & CEO at Scott Credit Union ## Who Can Join? Scott Credit Union membership is open to anyone living or working in the 32 counties we serve in Illinois and Missouri, plus others who meet certain additional membership eligibility requirements. #### [You can join SCU if any of the following applies to you:](#collapse1014576659) - Anyone living or working in or with immediate family members living or working in Bond, Calhoun, Christian, Clinton, Cook, Crawford, DuPage, Effingham, Fayette, Franklin, Greene, Jackson, Jasper, Jefferson, Jersey, Macoupin, Madison, Marion, Monroe, Montgomery, Morgan, Perry, Randolph, St. Clair, Sangamon, Shelby, Washington, Will or Williamson counties in Illinois. - Anyone living or working in or with immediate family members living or working in St. Charles County, St. Louis County, and St. Louis City in Missouri. - Members’ immediate family, including any relative by blood or marriage or foster and adopted children. - Active or retired military of Scott AFB, including reserve components and civilian employees or retired civilian employees, and Scott AFB authorized personnel. #### [You can also join SCU if you meet the following eligibility requirements or are a member of:](#collapse307182703) - Employees and members of Sam’s Club of O’Fallon, IL - Employees of the Smurfit-Stone Corporation (formerly Jefferson-Smurfit), including Smurfit-Stone, - Container Division – Highland Plant, Highland, IL - Employees of the Simmons Law Firm, LLC - Employees of Graphics Packaging (formerly Altivity) in Pacific, MO - Brother Rice High School - Lady of Loretto Parish & School - Oak Lawn Community Church - Sam’s Club #6349 - Sam’s Club #8285 - School District 125, 143, or 145 - St. Bernadette Catholic Parish & School - St. Christopher Catholic Parish & School - St. John Fisher Parish & School - St. Margaret of Scotland Church - St. Walter Parish & School - St. Xavier University - The Oak Forest Chamber of Commerce - The Trinity Presbyterian Church #### [If you are a current employee of or retired from:](#collapse826356486) **Current Employee of :** - Aberdeen Contract Interiors, INC. - A-Bar Iron Fabricators, INC. - ADT (Formerly Security Link) - Air King Refrigeration, INC. - Arrow Equipment - Aurburn Plastic Engineering - City of Hometown - D.M. Dykstra & Co. - Dock’s Great Fish, INC. - EPCHS Sports Complex (Formerly EP Racquet and Fitness) - Evergreen Park - Flying Food Fare, INC. - Garden Center for the Handicapped - GC America, INC. - Graphics Packaging (Formerly Altivity) - Illinois Security Services - International Paper, INC. - Jackson-Hewitt Tax Service - JLM Chemicals - Kastalon, INC. - Kedvale Steel Corporation - Keyser (Formerly Florida Plastics) - Leo’s Dancewear, INC. - LeTip International, INC. - M.R. Glenn Electric, INC. - MCC Healthcare Services - Nabisco Brands - National Guardian - Nicor Gas (in the Glenwood, Kankakee, Paxton, Carthage, Crestwood, Joliet, Romeoville, or Morris offices) - Nicor Gas (in the Glenwood, Kankakee, Paxton, Carthage, Crestwood, Joliet, Romeoville, or Morris offices) - Oak Forest Park District - Precision Pump & Mechanical, LLC - Rheem - Sawing and Shearing Services, INC. - Signode Midwest Steel - Simmons Law Firm, LLC. - Smurfit-Stone Corporation (formerly Jefferson-Smurfit) - Smurfit-Stone, Container Division Highland Plant - Southwest Bar Association - Taylor Springs - Technical Industrial Services - Telcom (Midwest) - The City of Oak Forest Municipal Government - The former Oak Forest Credit Union - TLC Learning Center - Torvac, INC. - United Rentals, INC. - Veteran Administration West Side Hospital - Village of Chicago Ridge - Village of Evergreen Park - Village of Merrionette Park - Village of Midlothian - Village of Posen - Wabash Fibre Box Company - Employees or, spouses of persons who died while within the field of membership of The former Eastern Federal Credit Union; and Persons retired as pensioners or annuitants from the former Eastern Federal Credit Union; and members of the immediate family or household (03/05/99); - Veterans Administration West Side Hospital who work in Chicago, Illinois, including employees of, persons retired as pensioners or annuitants from, or spouses of persons who died while within the field of membership of the former Veterans Administration West Side Hospital Federal Credit Union; - Any employee of the Chicago Sun-times, Inc.; Sun-Times Company Hollinger, Inc. or subsidiaries of the Sun-Times Company, Inc.; - Any employee of Holy Cross Hospital, Chicago, IL; - Any full-time employee of Joseph T. Ryerson & Son, Inc., based in the greater Chicago Metropolitan area; - Any full-time employee of the former Ryerson Employees Credit Union; - Any non-union employee of or persons retired as pensioners or annuitants from Solo Cup Operating Company and the former Sweetheart Cup Corporation or Northwest Cone Company, a wholly owned subsidiary of Sweetheart Cup Corporation, who work in or are supervised from Chicago, IL; Employees of the former Sweetheart Cup Federal Credit Union; Employees of the former U.P.W.A. District I, Area 5 Credit Union. **Current Employee or Retired from:** - American Information Technologies (AMERITECH) or subsidiaries - Scott AFB, including reserve components and civilian employees or retired civilian employees - The United Food & Commercial Workers Union ## SCU: With You, Your Family, Your Business, Your Community ### **FOR ALL OF YOUR FINANCIAL NEEDS** Visit a local SCU branch today to meet our friendly employees and learn more about the benefits of credit union membership. Or, open your membership share account online and explore additional account options, loans, business account services, youth services, financial education, and charitable giving opportunities. As always, we’re here to answer your questions and set you and your family on the right path for a healthy financial future. ***It all starts with your SCU membership.*** [Join Now](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1) --- ### [Student Loans](https://www.scu.org/student-loans/) **Published:** February 15, 2023 **Author:** Chelsea Rogers **Content:** # SCU Student Loans ### Fund your future with Scott Credit Union and Sallie Mae® Student Loans. [Get Started ](https://www.salliemae.com/landing/student-loans/?MPID=1000001338&dtd_cell=SVLRSOWBLR02100624) ## Smart Option Student Loans® for college from Sallie Mae® Wherever you are in your higher education journey, get student loans for college, trade school, or professional certification programs. Student loans from Sallie Mae® can help. With specific loan types for undergraduate and graduate students, you can find just the right loan for your journey, featuring: Competitive interest rates Multiple repayment options No origination fees; no prepayment penalty1 [Choose a Student Loan](https://www.salliemae.com/landing/student-loans/?MPID=1000001338&dtd_cell=SVLRSOWBLR02100624) 1Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. ![Photo of a graduation hat and roll of dollar bills](https://www.scu.org/wp-content/uploads/2023/03/Smart-Option-Student-Loans®-for-college-from-Sallie-Mae®-635x480.jpg) ## Choose Your Option Sallie Mae® higher education loans are designed for the needs of undergraduate and graduate or trade school students. Both options include variable or fixed-rate loans with repayment terms of 10-15 years. ### Undergraduate Student Loans If you are entering or currently enrolled in an undergraduate associate or bachelor’s degree program at a degree-granting institution, choose this option. Smart Option Student Loan information is for undergraduates only. ### Career Training Students If you are in a graduate or professional training program or enrolled in a non-degree-granting certificate or trade program, choose this option. Graduate Certificate/Continuing Education coursework is not eligible for MBA, Medical, Dental, and Law School Loans. [Learn More About These Options](https://www.salliemae.com/landing/student-loans/?MPID=1000001338&dtd_cell=SVLRSOWBLR02100624) ![Photo of Student holding books.](https://www.scu.org/wp-content/uploads/2023/03/Choose-Your-Option.jpg "- Scott Credit Union") ## How Sallie Mae® Loans Work These loans are made by Sallie Mae Bank or a lender partner. Scott Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend a participating school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident) and provide an unexpired government-issued photo ID to verify their identity. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. ## Borrow Responsibly We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. © 2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America. ![Student Loan Application form on a clipboard](https://www.scu.org/wp-content/uploads/2023/03/Borrow-Responsibly.jpg "- Scott Credit Union") --- ### [Personal Loans](https://www.scu.org/personal-loans/) **Published:** February 15, 2023 **Author:** Chelsea Rogers **Content:** # Apply for Personal Loans ### Find the loan that’s right for you, and get cash when you need it. [Get Started](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) ## Scott Credit Union Loan Options: Consumer Personal Loans When you need cash to cover unexpected expenses, consolidate debt, make a purchase, or even take a much-deserved vacation, a credit union loan can help you make it happen. **Scott Credit Union** loan professionals can help you find the right loan and can make the application process easy and stress-free. Learn more about seasonal and year-round loan options and start your application today. [Apply for Personal Loans](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) ![personal loans - Scott Credit Union Loan Options Consumer Personal Loans](https://www.scu.org/wp-content/uploads/2023/03/Scott-Credit-Union-Loan-Options-Consumer-Personal-Loans-635x480.jpg "personal loans - Scott Credit Union Loan Options Consumer Personal Loans") ## Signature Loans A signature loan is an unsecured loan that can be used for anything you need. SCU signature loans offer low interest rates, flexible repayment terms and timelines, and convenient payment options. No collateral needed [Low APR\*. View current Scott Credit Union loan rates ](https://www.scu.org/rates/#current-personal-loan-interest-rates) Up to 60 month terms Getting a signature loan is as simple as filling out the application and signing your name. A signature loan is a great option for people who don’t have a large amount in their savings or a share certificate to use as collateral. [Apply for a Signature Loan](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=martin&workFlowId=80299) ![personal loans - Signature Loans](https://www.scu.org/wp-content/uploads/2023/03/Signature-Loans.jpg "personal loans - Signature Loans - Scott Credit Union") \*APR = Annual Percentage Rate. ## Pledge Share Loans For SCU members who have savings or share certificate accounts to use as collateral, Pledge Share Loans offer lower interest rates than unsecured signature loans. Use an account balance as collateral for the full loan amount [View current Scott Credit Union personal loan rates ](https://www.scu.org/rates/#current-personal-loan-interest-rates) Up to 60 month terms Pledge share loans give you access to funds that are secured by the money you have in your share savings or share certificates. While your money continues to earn interest in your savings or share certificate account, you’ll be able to fund purchases with cash and keep your savings and investment plan on track. [Apply for a Pledge Share Loan](https://mortgage.scu.org/borrower-app/login/?lar=martin&workFlowId=80299&dest=/loan-app/&action=login&guestuser=1&siteId=6916104585) ![personal loans - Pledge Share Loans](https://www.scu.org/wp-content/uploads/2023/03/Pledge-Share-Loans.jpg "personal loans - Pledge Share Loans - Scott Credit Union") \*Annual Percentage Rate. If share rate changes then pledge share loan rate is also subject to change. ## Apply for Personal Loans: Interest Rate Information Scott Credit Union loans carry a lower interest rate for members due to our credit union structure. As you prepare to apply for personal loans, SCU loan professionals are here to help you stay informed about current interest rates and repayment terms. ### **Current Loan Interest Rates:** \[table id=7 /\] ## The Credit Union Loan Solutions FOR ALL OF LIFE’S MILESTONESContact the **SCU consumer lending team** to discuss your needs and get one-on-one help finding the credit union loan solution that is right for you. Scott Credit Union is with you, and your family, to help you continue to make smart borrowing choices and build a healthy financial future. [Get a Personal Loan](https://app.loanspq.com/pl/PersonalLoan.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnI8IH1R6-ydabEkkCzfXTy5w) --- ### [Auto Rebate Calculator](https://www.scu.org/auto-rebate-calculator/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** # Scott Credit Union Auto Rebate Calculator ## Auto Rebate vs. Low Interest Financing Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate. A rebate will reduce your auto loan balance, while low interest financing lowers your monthly payment. The best option depends on the price of the vehicle, the size of the rebate and the interest rates available for financing. ### **Definitions** **Total purchase price (before tax)** This is the total cost of your auto purchase. Include the cost of the vehicle, any additional options and any destination charges. Don’t include sales tax in this amount. Sales tax will be calculated for you and included in your total after-tax price. **Term in months** Number of months for this loan. **Cash down** Total amount of cash used in this purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase. **Trade allowance** The total amount that you are given for any automobile that you trade-in as part of this purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for ‘Sales tax deduction for trade-in’ for more information on trade-in vehicles and sales tax. **Amount owed on trade** Total loan balance still outstanding on the trade-in. **Sales tax rate** Sales tax percentage rate charged on this purchase. **Traditional financing** The interest rate you may be able to receive from a bank, credit union or other lender. This is usually a higher interest rate than the manufacturer’s low interest financing, but is often very competitive when used in combination with a manufacturer rebate. This calculator assumes that if you choose a manufacturer rebate you are not eligible for manufacturer low interest financing. **Low interest financing** The incentive interest rate you may be able to receive from an auto manufacturer. These rates are usually significantly below standard auto loan interest rates. Low interest financing can be as little as 0% per year. Most manufacturers allow you to choose either low interest financing or a manufacturer rebate, but not both. This calculator assumes that if you choose low interest financing you are not eligible for any manufacturer rebate. **Manufacturer rebate** A cash rebate paid by the auto manufacturer to you when you purchase a new vehicle. Most manufacturers allow you to choose either low interest financing or a manufacturer rebate, but not both. **No sales tax deduction for trade-in** If you live in a state where your sales tax is calculated on your full purchase price check this box. If this box is unchecked sales tax is calculated on the purchase price less trade-in. Currently California, the District of Columbia, Hawaii and Michigan allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana, New Hampshire, and Oregon have no sales tax on autos. **Calculate sales tax before rebate** Some states will calculate sales tax on your purchase price before a manufacturer’s rebate is applied. If your state calculates sales tax on the vehicle price before the rebate is applied, check this box. --- ### [Privacy Policy](https://www.scu.org/privacy-policy/) **Published:** March 29, 2023 **Author:** Chelsea Rogers **Content:** # Privacy Policy ## Privacy Policy ### **What does Scott Credit Union do with your personal information?** Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. #### [What information is collected?](#collapse679709992) The types of personal information we collect and share depend on the product or service you have with us. This information can include: - Social Security number and account balances - account transactions and checking account information - payment history and transaction or loss history When you are no longer our member, we continue to share your information as described in this notice. #### [How does Scott Credit Union use the information?](#collapse1373061425) All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Scott Credit Union chooses to share; and whether you can limit this sharing. \[table id=20 /\] #### [How does Scott Credit Union protect my personal information?](#collapse1075794473) To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. #### [How does Scott Credit Union collect my personal information?](#collapse1627535787) We collect your personal information, for example, when you - open an account or pay your bills - use your credit or debit card or make a wire transfer - apply for financing We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. #### [Why can’t I limit all sharing?](#collapse746196863) Federal law gives you the right to limit only - sharing for affiliates’ everyday business purposes – information about your creditworthiness - affiliates from using your information to market to you - sharing for nonaffiliates to market to you State law and individual companies may give you additional rights to limit sharing. #### [Definitions](#collapse2100861884) **Affiliates**: Companies related by common ownership or control. They can be financial and nonfinancial companies. *Our affiliates include companies with a SCU Insurance Agency name.* **Nonaffiliates**: Companies not related by common ownership or control. They can be financial and nonfinancial companies. *Scott Credit Union does not share with our nonaffiliates so they can market to you.* **Joint Marketing**: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. *Our joint marketing partners include insurance companies.* ## Questions? Call (618) 345-1000 or go to our [contact page](/contact/). [Click here](https://www.scu.org/wp-content/uploads/2024/10/TruStage-Compliance-Document-Updated.pdf) to download a printer friendly version. Privacy Policy Member Information Opt Out### Privacy Policy Member Information Opt Out By completing this form, Scott Credit Union will not supply information about your transactions and experiences to SCU's affiliates and you will not receive marketing communication from those affiliates. You will receive transactional communication as necessary. Please complete a form for each account you wish to opt out and allow 7 business days for this to go into effect. Note, completing this form will also unsubscribe you from Scott Credit Union marketing communication. Name \* Name First First Last Last Account Number \* A 7-digit number, which is also the last part of your account (MICR) number. This number is used to identify your account and can be found at the bottom of your checks or under the “Details and Settings” tab of each account in Online and Mobile Banking. Email \* Enter your e-mail address Phone Number \* Enter your phone number Submit If you are human, leave this field blank. Δ --- ### [Tim Hecht - Mortgage Sales Manager](https://www.scu.org/tim-hecht-mortgage/) **Published:** June 12, 2024 **Author:** Chelsea Rogers **Content:** **![](https://www.scu.org/wp-content/uploads/2024/05/Tim-Hecht-240x300.png "Tim Hecht - Scott Credit Union")** **Cell Phone:** 618-615-3273 **Email:** <Tim.Hecht@scu.org> **NMLS #** 739952 **Serving:** Missouri and Illinois Counties --- ## Contact Tim Today Ready to take the next step toward securing your dream home? Reach out to Tim for expert guidance and personalized mortgage solutions. [Apply With Tim](https://mortgage.scu.org/loan-app/?siteId=6916104585&lar=thecht&workFlowId=80299) ## About Tim As a dedicated Mortgage Sales Manager with over two decades of experience in the financial service industry, I lead a dynamic team of loan officers committed to delivering exceptional service. My passion lies in mentoring my team to achieve their highest potential while ensuring our members receive personalized, attentive care throughout the home financing process. I am dedicated to continuous growth and committed to empowering my team with the tools, training and support they need to excel in a competitive market. In my free time, I love to travel, play golf and enjoy time with my wife and 4 children. I currently reside in St. Louis County --- ### [250 Acts of Kindness](https://www.scu.org/kindness/) **Published:** December 12, 2025 **Author:** Jen Audetat **Content:** # 250 Acts of Kindness ![Scott Credit Union members gardening](https://www.scu.org/wp-content/uploads/2025/12/Our-Why-Section-Photo.jpg "Our Why Section Photo - Scott Credit Union") ## Our Why In 2023, Scott Credit Union celebrated 80 years of service to our members and communities. To honor this milestone, we launched 80 Acts of Kindness, a program dedicated to giving back to the people who have supported us for eight decades. What started as a year-long celebration quickly grew beyond expectations. Thanks to the passion and encouragement of our employees, the program continued into 2024 and 2025, leading us to an incredible achievement of 250 Acts of Kindness completed! This milestone reflects the heart of who we are at Scott Credit Union. From large-scale volunteer projects to small, meaningful gestures that brightened someone’s day, each act represents our ongoing commitment to community involvement and member service. None of it would have been possible without our dedicated employees, whose compassion and creativity made every effort count. Although the Acts of Kindness program has officially concluded, our mission remains the same. Scott Credit Union will continue to support our communities, uplift our members, and spread kindness every day. ![Scott Credit Union members gardening](https://www.scu.org/wp-content/uploads/2025/12/Our-Why-Section-Photo.jpg "Our Why Section Photo - Scott Credit Union") ![Scott Credit Union member caring for a dog](https://www.scu.org/wp-content/uploads/2025/12/Our-Why-Section-Photo-2.jpg "Our Why Section Photo 2 - Scott Credit Union") ## Watch the Video Recap: ## 250+ Acts of Kindness ![icon](https://www.scu.org/wp-content/uploads/2025/12/1.png) 23 Animal Causes ![icon](https://www.scu.org/wp-content/uploads/2025/12/3.png) 71 Educational & Youth Causes ![icon](https://www.scu.org/wp-content/uploads/2025/12/5.png) 9 Environmental Causes ![icon](https://www.scu.org/wp-content/uploads/2025/12/7.png) 17 First Responder Teams ![icon](https://www.scu.org/wp-content/uploads/2025/12/8.png) 10 Community Support ![icon](https://www.scu.org/wp-content/uploads/2025/12/2.png) 7 Healthcare Support ![icon](https://www.scu.org/wp-content/uploads/2025/12/4.png) 19 Holiday Charities ![icon](https://www.scu.org/wp-content/uploads/2025/12/6.png) 20 Military & Veteran Support ![icon](https://www.scu.org/wp-content/uploads/2025/12/9.png) 75 Social Services & Human Needs #### [Animal Causes](#collapse126935365) - Collected and donated items for the Belleville Humane Society. - Donated to the Metro East Humane Society to support pet adoptions. - Donated pet food and toys to Partners for Pets in Troy. - Collected and donated cleaning supplies to the Clinton County Humane Society. - Donated to the Highland Animal Shelter to help care for rescued pets. - Volunteered with Partners for Pets by cleaning cages, bathing animals, and donating supplies such as gift cards, cat litter, leashes, and collars. - Collected and donated pet supplies to the Metro East Humane Society. - Volunteered and donated to Randy’s Rescue Ranch to support animal care. - Walked dogs and volunteered at the Metro East Humane Society. - Collected items and made a donation to Gateway Pet Guardians. - Provided Cheeseburger Day at Hope Animal Rescue. - Donated and volunteered at Granite City Association for the Protection of Animals. - Volunteered at the Metro East Humane Society. - Purchased items from the Metro East Humane Society Amazon Wishlist. - Provided a donation to the Stray Rescue of St. Louis Medical Fund. - Donated to Madison County Animal Care. - IT team walked dogs at the Metro East Humane Society. - Conducted branch holiday charity drives collecting for Breese Humane Society. - Donated to Partner for Pets. - Donated to Metro East Humane Society. - Donated to Belleville Area Humane Society. - Donated to Stray Rescue of St. Louis. - Donated to Hope Rescue. #### [Community Support](#collapse1565589638) - Provided snacks and drinks to local construction workers at a community build site. - Provided pizza for the staff at the Highland Public Library during National Library Week. - Donated funds to help build a new playground in Mascoutah. - Cleaned and maintained the outdoor property of Eden’s Glory, a nonprofit home for victims of trafficking, including trimming grass and planting flowers and vegetables. - Painted bleachers, dugouts, concession stands, and equipment sheds at the New Athens softball and baseball diamond. - Cleaned, sanded, and painted furniture at Restore Décor in Collinsville, supporting their charitable mission. - Donated funds to the City of Wood River Parks and Recreation gymnastics program. - Purchased and delivered playground supplies to Kreitner Elementary School in Collinsville. - IT team rebuilt a bridge for a kindergarten class at New Athens Community District #60. - Volunteered at Almost Home by painting a stairwell. #### [Educational & Youth](#collapse1481085902) - Donated school supplies to the Lebanon Elementary School backpack drive. - Sponsored a youth baseball team in the Edwardsville area. - Provided meals for teachers at Triad Middle School during parent–teacher conferences. - Collected and donated children’s books to the Mascoutah Elementary School library. - Provided lunch for the teachers and staff at Belleville West High School. - Donated school supplies to students through the United Way “Ready to Learn” program. - Donated books and board games to the Boys & Girls Club of Alton. - Donated winter hats and gloves to the O’Fallon Township High School student drive. - Provided lunch for the Highland High School custodial and maintenance staff. - Donated to the Clinton County Snack Pack Program supporting students in need. - Donated to Mascoutah Weekend Meals to provide nutritious meals to students when school is not in session. - Delivered toiletries and personal items for students in the College Bound St. Louis program. - Served lunch to the staff at Gordon Bush Alternative Center in East St. Louis. - Partnered with the St. Louis Cardinals to honor a Challenger Baseball player during the first pitch ceremony. - Purchased classroom supplies for over 30 local teachers’ wish lists in the St. Louis Metro area and Chicago. - Supplied a year’s worth of academic materials to five students at Hinchcliffe Elementary in O’Fallon. - Donated school supplies to a teacher with over 19 years of experience at Lewis and Clark Junior High School. - Donated school supplies to teachers and students in the Lebanon School District. - Distributed markers to nearly 4,000 underserved youth at the Urban Expo Back to School & Community Empowerment Festival. - Promoted financial wellness and provided school supplies at the RedBird Rookies annual health fair. - Hosted teachers and their families from the Miriam School at a St. Louis Cardinals game. - Donated to the newly formed East Alton PTA to support local students. - Purchased school and personal supplies for the Care Closet at Mascoutah Middle School. - Donated school supplies and funds to the Affton School District for families in need. - Provided pizza to the Bayless Music Boosters Band in Affton. - Partnered with Highland Area Christian Services Ministry to collect school supplies for students in Highland, St. Jacob, and Marine schools. - Paid off school lunch debt for students in the Lebanon School District. - Paid off school lunch debt for students at Harmony EMG Ellis Junior High School. - Purchased rechargeable music stand lights for the Joseph Arthur Middle School band. - Purchased 60 box dinners for the East Alton – Wood River Oilers Football team for an away game. - Supported the Life Skills Department at Collinsville Unit 10 by donating items to assist with independence, life skills, and creative activities. - Donated funds to pay off school lunch debt at Lebanon Elementary School. - Provided markers to the Edwardsville YMCA Allison Cassens Early Childhood Development Center. - Provided lunch for teachers at North Kirkwood Middle School. - Delivered lunch to Louis and Clark Elementary School. - Contributed funds to help with Amelia Carriel Jr. High School’s lunch debt. - Delivered lunch to the Christian Activity Center for teachers and staff. - Provided funds and snacks to the Christian Activity Center. - Donated books to the Lewis & Clark Elementary School Library in Wood River. - Sponsored admission for the first 150 students to the second round playoff games for Edwardsville High School. - Donated to the Columbia School District Families In Need Fund to help with school lunch debt and supplies. - Provided financial education and donated items to a local Girl Scout troop. - Purchased headphones for Triad Middle School personal finance classes. - Prepared teacher appreciation baskets for Bethalto Head Start. - Prepared teacher appreciation baskets for Silver Creek Elementary School. - Delivered Crumble Cookies to Lebanon school teachers for Teacher Appreciation Week. - Purchased classroom supplies for Mrs. Caponi, kindergarten teacher at Henning Elementary School. - Paid off lunch debt for students at Trenton Elementary School. - Sponsored a food truck for Mascoutah Middle School Teacher Appreciation Week. - Paid off lunch debt for students at Abraham Lincoln Elementary School. - Paid off lunch debt at East Belleville High School. - Donated to Henning Elementary School to help with student lunch debt. - Delivered bagels to Edwardsville High School for finals week. - Conducted school supply drives at Mason/Clark Middle School (District 189) and Paul Laurence Dunbar Elementary. - Paid off lunch debt for students at Trenton Elementary School. - Delivered cookies to teachers and staff at Mater Dei High School for Teacher Appreciation Week. - Conducted a school supply drive at Hinchcliffe Elementary in O’Fallon, supplying five underprivileged students for the entire 2024–2025 school year. - Conducted school supply drives for Breese and Beckemeyer public schools (K–8). - Organized school supply drives at Summit Elementary and St. Mary’s Edwardsville. - Conducted school supply drives for Lebanon Elementary, Marine Elementary, Eastwood Elementary in East Alton, Rogers Elementary, Aviston Elementary, Bluffview Elementary, Belle Valley School, Highland Elementary, Mascoutah Elementary, SAFB Mascoutah Elementary, Silver Creek Elementary, Affton Early Childhood, BPV-Atlas Public School, Jamestown Elementary, and Meramec Elementary. - HR volunteered with the Metro East Literacy Project to promote reading for adults and children. - Donated pizza to Edwardsville Orchestra before the Halloween parade. - Conducted branch holiday charity drives collecting for Mascoutah Weekend Meals. - Adopted a classroom in the Clinton County Agriculture Program at Trenton and Breese branches. - Provided lunch for teachers at a local school. - Fundraised for Lorena PTA to support academic enrichment and extracurricular activities. - Donated new sports equipment to St. Louis Youth Sports Outreach program. - Donated school supplies to Canaan Galilee Missionary Baptist Church for their church picnic and backpack giveaway. - Donated school supplies to New Life Christian Center to support students across multiple communities. - Donated school supplies to Chapter One Project to help students in need at Lebanon Elementary School. - Donated $5,000 to Challenger Baseball to support individuals with different abilities in sports. #### [Environmental](#collapse896658760) - Volunteered at a clean-up day at Rock Springs Park in O’Fallon. - Planted trees with HeartLands Conservancy in Wood River to improve local green spaces. - Planted trees with HeartLands Conservancy in O’Fallon as part of community environmental efforts. - Planted trees with HeartLands Conservancy in Edwardsville to support conservation initiatives. - Planted trees with HeartLands Conservancy in Collinsville to enhance local parks. - Donated tools to HeartLands Conservancy to support conservation and community projects. - Rebuilt Spindler Park in Highland, Illinois, including painting trash cans and picking up litter. - Volunteered for the St. John Mission Garden and donated requested items. - IT team worked at Urban Harvest on the rooftop garden project. #### [First Responders](#collapse1490730303) - Provided breakfast for the Fairview Heights Police Department to show appreciation for their service. - Provided lunch for the Highland Fire Department as a thank-you for their dedication. - Provided breakfast for the O’Fallon Fire Department in appreciation of their service. - Delivered donuts and coffee to the Highland Police Department to thank them for their work. - Delivered thank-you treats to postal workers at the O’Fallon Post Office. - Provided coffee and breakfast items for the Highland EMS team. - Delivered lunch to the Lebanon Police Department to show appreciation. - Provided breakfast for the Highland Police Department on Law Enforcement Appreciation Day. - Provided lunch to local Crestwood firefighters in appreciation of their service. - Donated to the Scott Air Force Base Fire Department for Fire Prevention Week. - Provided lunch for the Highland Fire Department. - Gave funds to the Troy Police Department for the Comfort Dogs Program. - Delivered and served lunch to the Midlothian Police Department. - Presented a check to the Illinois Fraternal Order of Police Lodge 226 for the Cops for Kids campaign. - Volunteered at the DARE Fish Fry in Trenton. - Provided pizza for Evergreen Park Police Department during National Police Week. - Delivered lunch to the Troy Police Department for National Police Week. #### [Healthcare Support](#collapse1195828682) - Delivered care packages to Belleville Memorial Hospital staff. - Partnered with Shriners Hospital to deliver stuffed animals to young patients. - Delivered treats to the staff at Children’s Hospital in St. Louis. - Partnered with the American Red Cross to host an employee blood drive. - Stocked the snack pantry for doctors, nurses, and administrators at Shriners Children’s Hospital of St. Louis. - Donated funds to Advocate Children’s Hospital. - HR volunteered with HIS Kids to support children with cancer. #### [Holiday Charities](#collapse1530873545) - Sponsored a table at the annual Make-A-Wish Illinois gala. - Sponsored a child through the Angel Tree holiday giving program. - Partnered with the Department of Children and Family Services for the Angel Tree through the Salvation Army. - Adopted a child for the holidays through the Green Bean Pantry Angel Tree. - Donated Christmas gifts to an adopted family through 100 Neediest via United Way. - Donated to the Leu Civic Center in Mascoutah and volunteered at their Halloween event. - Participated in the Adopt-A-Family holiday collection through Highland Area Community Foundation. - Collaborated with the Salvation Army Angel Tree program to support children in need during the holidays. - Sponsored the food sides and volunteered at the Trenton Chamber golf tournament. - Donated supplies and Cardinals tickets to the Mascoutah Lions Club for their Fourth of July giveaway. - Donated to a meat raffle benefiting a community member’s medical costs. - Hosted a toy drive in partnership with the Salvation Army. - Adopted 2 children from an Angel Tree at the Green Bean Food Pantry in Trenton. - Conducted branch holiday charity drives supporting Madison County Salvation Army Angel Tree. - Conducted branch holiday charity drives collecting for the Salvation Army. - Conducted branch holiday charity drives collecting for YMCA Angel Trees. - Partnered with a local YMCA to hand out turkeys for Thanksgiving. - Adopted a family from the 100 Neediest Cases and provided Christmas presents. - Hosted a Christmas-in-July toy drive for the Salvation Army. #### [Military & Veteran Support](#collapse73432784) - Donated care packages to the USO at Lambert Airport for traveling service members. - Donated to the Jessie Brown VA Hospital to support veterans. - Supplied all materials for One House at the Veterans Community Project. - Donated funds to Got Your Six Support Dogs for veterans and first responders. - Presented tote bags and funds to local Boy Scouts for veterans at St. Joseph Center. - Volunteered at the Veterans Community Project with projects like grounds cleanup, drywall installation, and painting. - Stocked the pantry at Veterans Community Project for Giving Tuesday. - Donated $100 to the Polish American War Veterans to help with repair costs. - Donated 144 green tote bags for the Fisher House Golf Tournament. - Donated wish list items to the St. Louis Fisher House. - Prepared dorm welcome baskets for Scott Air Force Base. - Donated funds to the American Legion for haircuts and shaves for veterans. - Purchased all supplies for Thanksgiving dinner for a local Airman. - Volunteered at Veterans Community Project to help organize the pantry. - Created gift baskets at the all-employee summit and donated them to the Fisher House in STL and Chicago. - Provided dinner and played bingo with guests at the Fisher House. - Donated green tote bags to the Marine Corps League Detachment 74 for veterans’ baskets. - Played game night and engaged with veterans at the Fisher House. - Hosted a donation drive for Got Your Six. - Donated green tote bags to the Fisher House Annual Golf Tournament. #### [Social Services & Human Needs Support](#collapse18424442) - Donated to the Ronald McDonald House on Park Avenue to support families of hospitalized children. - Delivered food and supplies to the O’Fallon Food Pantry. - Helped fund meals for families through the Highland Area Christian Service Ministry. - Donated hygiene kits to The Call for Help crisis center. - Volunteered with Habitat for Humanity to support local housing efforts. - Partnered with St. Louis Crisis Nursery to donate toys for children in need. - Donated to the Collinsville Food Pantry to help families facing food insecurity. - Donated gently used coats to the Alton Salvation Army for their winter coat drive. - Donated personal care products to women served by the Violence Prevention Center. - Donated to St. Vincent de Paul to support local housing assistance programs. - Donated food items to the Trenton Ministerial Alliance Food Pantry. - Donated diapers and baby supplies to the Pregnancy Care Center in Belleville. - Volunteered at the St. Louis Area Foodbank packaging meals for families in need. - Supported Girl Scouts of Southern Illinois by purchasing and donating cookies to a local shelter. - Donated hygiene items to St. John’s Community Care in Collinsville. - Donated to the local Meals on Wheels program to help feed seniors. - Donated to Metro East Diaper Bank to support families with young children. - Volunteered at ReFresh St. Louis to support the Foster & Adoptive Care Coalition. - Partnered with Feed My Starving Children through Operation Food Search to provide meals to children worldwide. - Prepared and delivered 50 celebration and “out of school” bags to local food pantries in Lebanon, Edwardsville, and Collinsville to help children in need during the summer. - Supported Oasis Women’s Center, a domestic violence shelter and service provider in Alton. - Collected and donated 200 pounds of food to the Collinsville Food Pantry. - Donated All-Star Baseball-themed baskets to the Community Link CILA employees and residents in Breese, Illinois. - Delivered items and a donation to the Collinsville Food Pantry to support community members in need. - Donated essentials, healthcare items, snacks, and water to the Violence Prevention Center of Southwest Illinois. - Collected and donated 374 pounds of food to support Making a Difference in Collinsville. - Prepared Spoonful of Comfort meal kits for families with a loved one battling cancer. - Donated to Anew Domestic Abuse Treatment Center in the Chicago area to support shelter needs and victim assistance. - Supplied Project Compassion with items to assist mothers in need. - Donated and volunteered at Life Source Consultants, a domestic and sexual violence crisis center. - Contributed to the food pantry program at Meramec Elementary School. - Hosted a drive for gently used items and helped clean and reset the Shelter Shop. - Hosted a women’s program in St. Louis at a Cardinals game. - Donated new clothing to the Foster and Adoptive Care Coalition. - Contributed funds to the Families In Need Fund of the Columbia School District. - Donated diapers, wipes, humidifiers, and essentials to young mothers at Almost Home. - Delivered wipes to Brightpoint in Granite City, Illinois. - Collected and delivered groceries to the Glen Ed Food Pantry. - Made and donated blankets to the Cambridge House of Maryville. - Donated to assist a local Ferguson family in need. - Donated to Almost Home to support young moms working toward self-sufficiency. - Kicked off a food drive for the Green Bean Food Pantry in Trenton. - Contributed financial support to Hope Christian Church Food Pantry for families in the Waterloo/Columbia region. - Donated 100 green tote bags to the Community Interfaith Food Pantry in Belleville. - Donated 300 green tote bags to Glen Ed Food Pantry for a back-to-school event. - Built and delivered beds through Sleep in Heavenly Peace. - Supported The Women’s Safe House of St. Louis with donations and volunteer work. - Volunteered at Hope Christian Church Food Pantry multiple times. - Volunteered at Hope Christian Church Food Pantry. - Assembled lunches for kids at Glen Ed Food Pantry through the Brown Bag Buddies program. - Donated soap and laundry detergent to Glen Ed Food Pantry. - Supplied nonperishable food items to Kreitner Elementary School in Collinsville for students in need during summer. - Provided weekend food sacks for at-risk children through TWIGS Pack-a-Sack program. - Organized a month-long donation drive for Equipping the Called to support foster families. - Purchased and donated boxes to St. John United Church of Christ Food Box program. - Bought basic necessities for displaced children through Equipping the Called. - Volunteered and donated funds at Hope Christian Church Food Pantry. - Volunteered at Hope Christian Church Food Pantry. - Participated in a 9-11 Day meal packing event. - Partnered with Warners Winter Warm-Up to collect coats for those in need. - Conducted branch holiday charity drives supporting HACSM Food Pantry. - Conducted branch holiday charity drives collecting for Caritas Family Solutions. - Conducted branch holiday charity drives collecting for Community Interfaith Food Pantry. - Conducted branch holiday charity drives collecting for Green Bean Pantry. - Conducted branch holiday charity drives collecting for Hope Food Pantry. - Conducted branch holiday charity drives collecting for Ministries Unlimited. - Conducted branch holiday charity drives collecting for Ed/Glen Pantry. - Conducted branch holiday charity drives collecting for St. Patrick Center. - Built and filled a community Blessing Box. - Donated toilet paper to a local food pantry. - Donated to the Race for Refugees through the International Institute. - Assisted a member in need by providing a winter coat and pants. - Volunteered and donated at the Glen Ed Food Pantry, including cleaning out the freezers. - Donated green tote bags to Helping Hand Me Downs. - Purchased bird feeders and bird seed for a local nursing home for residents to enjoy. ![1 BOLD ERG YMCA Tornado Relief Drive 25](https://www.scu.org/wp-content/uploads/2025/12/1-BOLD-ERG-YMCA-Tornado-Relief-Drive-25.jpg "1 BOLD ERG YMCA Tornado Relief Drive 25 - Scott Credit Union") ![1 Breese and Trenton Bird Feeders 25](https://www.scu.org/wp-content/uploads/2025/12/1-Breese-and-Trenton-Bird-Feeders-25.jpg "1 Breese and Trenton Bird Feeders 25 - Scott Credit Union") ![1 Chapter One Project 25](https://www.scu.org/wp-content/uploads/2025/12/1-Chapter-One-Project-25-scaled.png "1 Chapter One Project 25 - Scott Credit Union") ![1 Consumer Lending hosted a coat drive 25](https://www.scu.org/wp-content/uploads/2025/12/1-Consumer-Lending-hosted-a-coat-drive-25-scaled.jpg "1 Consumer Lending hosted a coat drive 25 - Scott Credit Union") ![1 STL Youth Sports Outreach 25](https://www.scu.org/wp-content/uploads/2025/12/1-STL-Youth-Sports-Outreach-25.png "1 STL Youth Sports Outreach 25 - Scott Credit Union") ![1 Wood River Tree planting 23](https://www.scu.org/wp-content/uploads/2025/12/1-Wood-River-Tree-planting-23-scaled.jpg "1 Wood River Tree planting 23 - Scott Credit Union") ![2 BOLD ERG YMCA Tornado Relief Drive 25](https://www.scu.org/wp-content/uploads/2025/12/2-BOLD-ERG-YMCA-Tornado-Relief-Drive-25.jpg "2 BOLD ERG YMCA Tornado Relief Drive 25 - Scott Credit Union") ![2 Breese and Trenton Bird Feeders 25](https://www.scu.org/wp-content/uploads/2025/12/2-Breese-and-Trenton-Bird-Feeders-25.jpg "2 Breese and Trenton Bird Feeders 25 - Scott Credit Union") ![2 Chapter One Project 25](https://www.scu.org/wp-content/uploads/2025/12/2-Chapter-One-Project-25-scaled.jpg "2 Chapter One Project 25 - Scott Credit Union") ![2 STL Youth Sports Outreach 25](https://www.scu.org/wp-content/uploads/2025/12/2-STL-Youth-Sports-Outreach-25-scaled.jpg "2 STL Youth Sports Outreach 25 - Scott Credit Union") ![3 BOLD ERG YMCA Tornado Relief Drive 25](https://www.scu.org/wp-content/uploads/2025/12/3-BOLD-ERG-YMCA-Tornado-Relief-Drive-25.jpg "3 BOLD ERG YMCA Tornado Relief Drive 25 - Scott Credit Union") ![3 Breese and Trenton Bird Feeders 25](https://www.scu.org/wp-content/uploads/2025/12/3-Breese-and-Trenton-Bird-Feeders-25.jpg "3 Breese and Trenton Bird Feeders 25 - Scott Credit Union") ![3 Consumer Lending & HOME ERG SAFB Dorm Welcome Baskets 24](https://www.scu.org/wp-content/uploads/2025/12/3-Consumer-Lending-HOME-ERG-SAFB-Dorm-Welcome-Baskets-24.jpg "3 Consumer Lending & HOME ERG SAFB Dorm Welcome Baskets 24 - Scott Credit Union") ![Almost Home 6](https://www.scu.org/wp-content/uploads/2025/12/Almost-Home-6-scaled.jpg "Almost Home 6 - Scott Credit Union") ![BPV Christmas in July](https://www.scu.org/wp-content/uploads/2025/12/BPV-Christmas-in-July.jpg "BPV Christmas in July - Scott Credit Union") ![Direct Lending MCACC 1](https://www.scu.org/wp-content/uploads/2025/12/Direct-Lending-MCACC-1.jpg "Direct Lending MCACC 1 - Scott Credit Union") ![Direct Lending MCACC 10](https://www.scu.org/wp-content/uploads/2025/12/Direct-Lending-MCACC-10.jpg "Direct Lending MCACC 10 - Scott Credit Union") ![Edwardsville Tree planting 23](https://www.scu.org/wp-content/uploads/2025/12/Edwardsville-Tree-planting-23-scaled.jpg "Edwardsville Tree planting 23 - Scott Credit Union") ![Glen Ed Food Pantry 1](https://www.scu.org/wp-content/uploads/2025/12/Glen-Ed-Food-Pantry-1.jpg "Glen Ed Food Pantry 1 - Scott Credit Union") ![Hope Rescue 1](https://www.scu.org/wp-content/uploads/2025/12/Hope-Rescue-1.jpg "Hope Rescue 1 - Scott Credit Union") ![Operation Edwardsville Teacher 1](https://www.scu.org/wp-content/uploads/2025/12/Operation-Edwardsville-Teacher-1-scaled.jpg "Operation Edwardsville Teacher 1 - Scott Credit Union") ![Partners for Pets 2](https://www.scu.org/wp-content/uploads/2025/12/Partners-for-Pets-2.jpg "Partners for Pets 2 - Scott Credit Union") ![VCP Volunteer Day Oct 16 2023 (30)](https://www.scu.org/wp-content/uploads/2025/12/VCP-Volunteer-Day-Oct-16-2023-30-scaled.jpg "VCP Volunteer Day Oct 16 2023 (30) - Scott Credit Union") ![VCP Volunteer Day Oct 16 2023 (39)](https://www.scu.org/wp-content/uploads/2025/12/VCP-Volunteer-Day-Oct-16-2023-39-scaled.jpg "VCP Volunteer Day Oct 16 2023 (39) - Scott Credit Union") ![VCP Volunteer Day Oct 16 2023 (46)](https://www.scu.org/wp-content/uploads/2025/12/VCP-Volunteer-Day-Oct-16-2023-46-scaled.jpg "VCP Volunteer Day Oct 16 2023 (46) - Scott Credit Union") ![SCU Careers Section Photo](https://www.scu.org/wp-content/uploads/2025/12/SCU-Careers-Section-Photo.jpg "SCU Careers Section Photo - Scott Credit Union") ## Explore SCU Careers Scott Credit Union employees are some of the best stewards of our local communities. If you have a heart for serving your neighbors and helping us build a foundation for better financial futures for our members, join us! [Careers at SCU](https://www.scu.org/careers/) ![SCU Careers Section Photo](https://www.scu.org/wp-content/uploads/2025/12/SCU-Careers-Section-Photo.jpg "SCU Careers Section Photo - Scott Credit Union") --- ### [eAlerts FAQ](https://www.scu.org/ealerts-faq/) **Published:** April 10, 2023 **Author:** Chelsea Rogers **Content:** # My SCU eAlerts ### Frequently Asked Questions about getting customized account status notifications sent directly to your email or cell phone, available through your My SCU member login. ## What are eAlerts? eAlerts are emails sent to you to notify you of certain transactions or events happening on your account. Just log in to SCU Online and set up your preferred notifications. Each eAlert can be sent to multiple email addresses within minutes of the actual transaction. Please reach out to the Member Contact Center about what types of alerts you can set up. If you have more questions, please contact Member Services for assistance setting up your alerts. [I Have More eAlert Questions](/contact/#send-us-a-question) ![eAlerts - person on their phone](https://www.scu.org/wp-content/uploads/2023/04/eAlerts-what-are-eAlerts-635x400.jpg "eAlerts - what are eAlerts") ## Setting up eAlerts ### Log into your SCU Online from any desktop device and locate the “Add eAlert” button on the main page. Choose the type of eAlert you would like to set up from the dropdown. ## What are the different eAlert types that I can sign up for? ### Low Balance eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. A minimum balance amount will be entered at the time of set up. You will be notified when a transaction causes the selected share balance to fall below that amount. **There are three options to choose from:** - Option 1 – Notify me only the first time. - Option 2 – Notify me for each withdrawal. - Option 3 – Notify me for any transaction. ### NSF eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. You will be notified each time an NSF fee is assessed to the selected share(s). ### Courtesy Pay (CP) eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. You will be notified each time a Courtesy Pay fee is assessed on the selected share(s). ### Overdraw Transfer (ODT) eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. You will be notified each time an Overdraw Transfer occurs on the selected share(s). ### Insufficient Funds eAlert (combines NSF, CP, & ODT) This eAlert can be set to monitor either one individual share, or all shares on the account. This mimics a situation in which each of the NSF, Courtesy Pay, and Overdraw Transfer eAlerts have been created on the account. When this type is chosen, all three will be checked for and sent individually according to their descriptions above so instead of individually setting up each of the NSF, Courtesy Pay, and Overdraw Transfer eAlerts you can set up one Insufficient Funds eAlert. ### Direct Deposit Received eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. You will be notified of each Direct Deposit made to the selected share(s). ### Automatic Withdrawal eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. You will be notified whenever an Automatic Withdrawal posts to the selected share(s). ### Large Withdrawal eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. A minimum withdrawal amount will be entered at the time of set up. You will be notified each time any withdrawal which equals or exceeds that amount is completed on the share(s). ### Draft Withdrawal eAlert This eAlert can be set to monitor either one individual draft share, or all draft shares on the account. You will be notified each time a draft withdrawal is completed on the share(s). ### Specific Check # Cleared eAlert This eAlert must be set to monitor one individual draft share. A check number must be entered at the time of set up and you will then be notified when it clears. This is a one time only eAlert and will be deleted from the active list once it is sent. ### Maturing Certificate eAlert This eAlert works at the share level and must be set to monitor one individual share Certificate. You will select how many days in advance you want to be alerted to a Certificate maturing and will receive notification accordingly. ### Loan Payment Due eAlert This eAlert must be set to monitor one individual loan. You will select how many days in advance you want to be alerted to a loan payment being due and will receive notification accordingly. ### Loan Payment Made eAlert This eAlert can be set to monitor either one individual loan or all loans on the account. You will receive an eAlert each time a payment is made on the loan(s). ### Loan Payment Change eAlert This eAlert can be set to monitor either one individual loan, or all loans on the account. You will receive an eAlert whenever the payment amount on the loan is changed. ### Loan Past Due eAlert This eAlert must be set to monitor one individual loan. You will receive an eAlert if your loan’s due date passes without a payment being made. You may receive this eAlert again if a payment is not made in a timely manner. ### Mortgage Payment Due eAlert You will select how many days in advance you want to be alerted to a mortgage payment being due and will receive notification accordingly. Note that if your mortgage is treated as a Loan you can use the Loan Payment Due eAlert instead. ### Large Debit Card or ATM Transaction eAlert This eAlert must be set to monitor either one individual share, or all shares on the account. A minimum purchase amount will be entered at the time of set up. You will be notified each time a transaction is completed (Credit/Debit Card, POS, or ATM) using that card which equals or exceeds that amount. ### Line of Credit Advance eAlert This eAlert can be set to monitor either one individual Line of Credit loan, or all Line of Credit loans on the account. You will receive an eAlert each time an advance is taken against the loan(s). ### Low Available Line of Credit (Loan) eAlert This eAlert can be set to monitor either one individual Line of Credit loan, or all Line of Credit loans on the account. A minimum available credit amount will be entered at the time of set up. You will be notified when a transaction causes the available credit to fall below that amount. **There are three options to choose from:** - Option 1 – Notify me only the first time. - Option 2 – Notify me for each advance. - Option 3 – Notify me for any transaction. ### Online Banking Share Transaction eAlert This eAlert can be set to monitor either one individual share, or all shares on the account. You will be notified of transactions conducted via online banking. **There are three options to choose from:** - Option 1 – Notify me for any deposit via online banking. - Option 2 – Notify me for any withdrawal via online banking. - Option 3 – Notify me for any transaction via online banking. ### How many eAlerts am I allowed to sign up for? There is absolutely no limit to the number of eAlerts you can sign up for through the SCU online portal. You can sign up for multiple types of eAlerts as well as sign up multiple times for each type of eAlert. For example, you can set up a low balance eAlert to be notified by text anytime your checking account balance drops below $200.00. You can then sign up for another low-balance eAlert and send an email anytime your account balance drops below $50.00. ### Are all eAlert types available to all members? No. The types of alerts that are available to you depend on two things: 1. The types of products you have. For example, if you have no loans then the Loan Payment Due eAlert will not be offered to you. 2. The process that triggers some eAlerts will not always work correctly for everyone. If there are any that will not be sent properly 100% of the time then it will be disabled. ### When will I receive an eAlert? In the eAlerts setup section there are two fields called “Send eAlerts From” and “Send eAlerts Until”. Enter the time range you would like your eAlerts to be sent. If an eAlert is triggered but it is not during these hours, your eAlert will be sent the following day. ### How soon after I set up an eAlert will I begin receiving them? You will begin receiving them immediately. eAlerts are processed and sent in real time. You will not receive any eAlerts for transactions that occurred prior to when you set up the eAlert. ### Can I see my past eAlerts through my SCU portal? Yes, all eAlerts sent for the last 90 days are kept. You can view them by using the “eAlerts Sent” section at the bottom of the Setup screen. Enter a date range in the “From” and “To” boxes, then click “Show” to see your past eAlerts. ### How can I change my SCU eAlerts? Click “Edit” in your My SCU portal next to the eAlert you would like to change. This will bring up a form that will allow you to edit all of the details for this eAlert. Click the “Continue” button once you have completed your changes. ### How can I stop receiving eAlerts? Click “Delete” next to the eAlert you would like to stop receiving. This will remove this eAlert from your account. To stop receiving all eAlerts simply delete each eAlert you are signed up for. When you delete all of the eAlerts, you are no longer enrolled in the service. If you decide at a later time to use eAlerts, you will simply be asked again to agree to the terms of the service. Basically, you are only enrolled for the service if you have at least one active eAlert. ## Get eAlerts sent to your cell phone ### Can an eAlert be sent to my cellular phone? Yes. You must know the email address of your cellular phone and the standard text messaging charges from your service provider will apply. Due to message length, you may receive an abbreviated version of a “Moderate” or “Specific” detail level eAlert when it is being sent to a cellular phone. ### How do I find the email address for my cellular phone? The email address is made up of the cellular phone’s 10-digit phone number and service provider’s assigned email provider. A few examples are listed below. Please check with your cellular service provider if your company is not listed, or to verify what email address you should use to receive messages to your cell phone. **Alltel** 1234567890@message.alltel.com **AT&T** 1234567890@txt.att.net **Boost Mobile** 1234567890@myboostmobile.com **Cricket** 1234567890@sms.mycricket.com **Metro PCS** 1234567890@MyMetroPcs.com **Nextel** 1234567890@messaging.nextel.com **Powertel** 1234567890@ptel.net **Sprint** 1234567890@messaging.sprintpcs.com **Sprint (HTC Mogul)** 1234567890@pm.sprint.com **SunCom** 1234567890@tms.suncom.com **T-Mobile** 1234567890@tmomail.net **US Cellular** 1234567890@email.uscc.net **Verizon** 1234567890@vtext.com **Virgin Mobile** 1234567890@vmobl.com ## eAlert Terms ### What is Minimum Balance? On the set up screen for the Low Balance eAlert you need to enter a dollar amount here. You will be notified when your balance drops below this value. ### What is Minimum Purchase Amount? On the set up screen for several eAlerts you need to enter a dollar amount here. You will be notified when a purchase is made that matches or exceeds this value. ### What is Minimum Available Credit? On the set up screen for several eAlerts you need to enter a dollar amount here. You will be notified when your available credit drops below this value. ### What is Minimum Withdrawal Amount? On the setup screen for the Large Withdrawal eAlert you need to enter a dollar amount here. You will be notified when a withdrawal is made that matches or exceeds this value. ### What is eAlert Detail Level? If you would like your eAlert to contain the Transaction Time/Date, Amount, and New Balance, choose “Specific – Full Detail”. You can also have limited information sent by choosing “Moderate – Some Detail” and “Generic – No Detail”. Due to message length, you may receive an abbreviated version of a “Moderate” or “Specific” detail level eAlert when it is being sent to a cellular phone. - **Generic** – *No Detail* – An eAlert has been triggered on your account. Please log in to your account online to view more detail. - **Moderate** – *Some Detail* – A Large Withdrawal eAlert has been triggered on your account. Please log in to your account online to view more detail. - **Specific** – *Full Detail* – A Large Withdrawal eAlert has been triggered on your account. You asked to be notified when a large withdrawal over $100.00 was made on your account: Share 01 – Withdrawal Amount: 750.00, Withdrawal Time: 10:31 Post Date: 04/13/2006, Effective Date: 04/13/2006 New Balance: 980.00, New Available Balance: 975.00 ### What is Account Nickname? Entering an account nickname is optional. It is a way to identify an account in the eAlerts you receive. If you have the same eAlerts set up on multiple accounts, an account nickname will allow you to know which one triggered an eAlert without logging in to SCU Online immediately. **IMPORTANT – It is recommended that you do not send any identifying information via email. Do NOT include your account number in the account nickname.** ## Get My SCU eAlert Help ### We encourage you to learn more about how we can save you money on banking services. SCU Member Services representatives are ready to help you customize eAlerts so you never miss important messages about your accounts. Contact us with additional questions, and we’ll be happy to help you find the answers. [I have more eAlert questions](/contact/#send-us-a-question) --- ### [Contact the Supervisory Committee](https://www.scu.org/contact-the-supervisory-committee/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** # Contact the Supervisory Committee Contact SCU Supervisory Committee**Supervisory Committee Mailing Address** P.O. Box 64 Edwardsville, IL 62025 Name \* Enter your name Email \* Enter your e-mail address Phone Number Enter your phone number Submit Message \* Type your questions or comments above If you are human, leave this field blank. Δ --- ### [Contact the Executive Management Team](https://www.scu.org/contact-the-executive-management-team/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** Contact the Executive Management Team Contact SCU Executive Management Name \* Enter your name Email \* Enter your e-mail address Phone Number Enter your phone number Submit Message \* Type your questions or comments above If you are human, leave this field blank. Δ --- ### [Associate Director Application](https://www.scu.org/ad-app/) **Published:** March 28, 2023 **Author:** Chelsea Rogers **Content:** ## Associate Director Application One of the ways credit unions differ from other financial institutions is by their governance through a volunteer Board of Directors. Credit union boards are comprised of volunteers who are members of the credit union themselves. Serving without pay, the directors provide strategic direction that prioritizes the financial well-being of the credit union members before profit. Scott Credit Union is currently accepting applications for an Associate Director position on our volunteer Board of Directors. Please see the overview of the position below, as well as a link to the application. For additional questions, please contact **Ashleigh.Deatherage@scu.org.** [Apply](https://campaign.documatix.com/DPS/Surveys/Survey/8D5CDA4C82A9A9B6) --- ### Primary Duties and Responsibilities Members of the Scott Credit Union Board of Directors report to the general membership of the credit union, while the collective Board supervises the CEO. The Board maintains the general direction and control of the credit union, including: - Guiding the organization to fulfill its purpose. - Setting the plans and governance policies which guide the affairs of the credit union. - Ensuring those plans and policies are properly implemented by following the credit union charter, bylaws, all applicable federal and state laws, sound business practices, and the membership’s desires. ### Expectations of Board Members To achieve these objectives, members of the Scott Credit Union Board of Directors are expected to: - Attend monthly meetings. - Appropriately prepare for meetings in advance by reviewing meeting materials. - Maintain confidentiality for issues that are sensitive in nature. - Devote whatever time is necessary to perform the normal duties of the Board. - Be knowledgeable about the general community and services available. - Be willing to learn all aspects of the bylaws and regulations pertaining to governing the credit union. - Be familiar with the Board policies. - Display a spirit of teamwork and foster that feeling among all Directors. - Maintain the highest ethical standards and share the values and vision of the credit union. - Be motivated solely by a desire to serve the best interests of the credit union membership. - Be able to deal effectively with conflict. - Possess effective leadership skills. - Communicate effectively, promote teamwork, seek opportunities, and serve the membership. ### Application Process Scott Credit Union members who are interested in serving as a volunteer Associate Director should complete the online application. Please note that it can take several months to fill a Board position, depending on the number and quality of applications received. Once the application window has closed, applications will be reviewed, and the most qualified candidates will be contacted for interviews. Once the position is filled, all applicants will be notified. [Apply](https://campaign.documatix.com/DPS/Surveys/Survey/8D5CDA4C82A9A9B6) --- ### [Apple Pay Terms and Conditions](https://www.scu.org/apple-pay-terms-and-conditions/) **Published:** March 28, 2023 **Author:** Chelsea Rogers **Content:** ## **Apple Pay Terms and Conditions** Terms and Conditions and Privacy Policy For Adding Your Scott Credit Union Credit or Debit Card to Mobile Wallet Service ***Terms and Conditions (Retain for your records)*** **Mobile Wallet Terms and Conditions** These Terms and Conditions (the “Terms”) apply when you choose to add a Scott Credit Union credit card or debit card (“Scott Credit Union Card”) to a Mobile Wallet Service. In these Terms, “you”, “your”, “their”, and “my” refer to the cardholder of the Scott Credit Union Card, and “we,” “us,” “our,” and “Scott Credit Union” refer to the issuer of your Scott Credit Union Card. By selecting the check box entitled “I have read, and I understand and agree to the Scott Credit Union Mobile Wallet Service Terms and Conditions,” you agree to all terms, conditions, and notices contained or referenced in these Terms and you are providing your express consent. **What is a Mobile Wallet Service?** A Mobile Wallet Service (“Wallet”) allows you to add your Scott Credit Union Cards to an application using your Mobile Device. Your Scott Credit Union Card number is replaced with a digital number or token. Once added, you understand that you may use your Mobile Device to make payments only where the Wallet is accepted. Scott Credit Union is not a provider of the Wallet and we are not responsible for any failure or inability to perform a transaction using the Wallet. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Scott Credit Union Card in the Wallet. **Eligibility** Active Scott Credit Union Card accounts that are in good standing are eligible to be added to a Wallet. If your Scott Credit Union Card or any underlying Scott Credit Union account becomes delinquent, is in a negative status or is otherwise maintained in an unsafe manner as determined by Scott Credit Union in its sole discretion, your Scott Credit Union Card may be removed by Scott Credit Union from the Wallet for continued use. **Relationship to Other Agreements** You agree that when you add your Scott Credit Union Card to a Wallet service, your Scott Credit Union Card and account will remain subject to the terms and conditions of all existing agreements with Scott Credit Union. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of the Wallet. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with the Wallet, including downloading the software, receiving or sending text messages, or other use of your mobile device when using the software or other products and services provided by the Wallet. You expressly agree that you are responsible for all such fees, limitations, and restrictions and that we may contact you via your mobile device for any purpose concerning your accounts at Scott Credit Union, including account servicing and collection purposes. **Account Ownership/Accurate Information** You represent that you are the legal owner of the account and other financial information which may be accessed via the Wallet. You represent and agree that all information you provide in connection with the Wallet is accurate, current, and complete, and that you have the right to provide such information to us for the purpose of operating the Wallet. You agree not to misrepresent your identity or your account information. **Measures to maintain your privacy and security** Once you have added your Scott Credit Union Card to a Wallet service, Scott Credit Union is responsible for securely transmitting your information to your Wallet service provider. Your information is only sent through secure channels. You agree that we may share your information with the Wallet provider, a payment network, and others in order to provide the services you have requested, to make information available to you about your Scott Credit Union Card transactions, and to improve our ability to offer these services. We do not control the privacy and security of your information that may be held by the Wallet provider and that is governed by the privacy policy given to you by the Wallet provider. You agree not to leave your Mobile Device unattended while logged into the Wallet and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you believe that someone may have unauthorized access to your Mobile Device, you agree to immediately cancel your access to the Wallet associated with the Mobile Device. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your accounts. You agree to comply with all applicable laws, rules and regulations in connection with your Scott Credit Union Card. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using the Wallet. We may in some cases make individually identifying information available only in the following circumstances: where ordered by a court or other legal body or where it is lawfully permitted or required; where we have agreed to provide information under contracts to vendors and partners to make products and services available to our members; or where the member has requested or consents to the disclosure of information. In those cases where we disclose information to outside vendors, we require that they use it for no purposes other than providing previously specified services to our members. **Changes in these Terms and Conditions** Except as otherwise required by law, Scott Credit Union may in its sole discretion change these terms, and modify or cancel the eligibility to use your Scott Credit Union Card with a Wallet service at any time, without notice. You cannot change these terms but you can terminate them by removing your Scott Credit Union Card(s) from the Wallet. Scott Credit Union reserves the right to refuse any transaction for any reason. **Exclusion of Warranties; Limitation of Liability; Indemnification** YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF A MOBILE WALLET SERVICE IS AT YOUR SOLE RISK. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WALLET IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND SCOTT CREDIT UNION IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. SCOTT CREDIT UNION MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF A WALLET. --- To learn more about Apply Pay in general, head to Apple’s website: https://www.apple.com/apple-pay/ --- ### [May 9, 2026 Homebuyer Seminar](https://www.scu.org/may-9-2026-homebuyer-seminar/) **Published:** April 1, 2026 **Author:** Jen Audetat **Content:** May 9, 2026 Homebuyer Seminar First Name \* Last Name \* Email \* Phone \* How many guests will you be bringing? \* Attendees Names Submit If you are human, leave this field blank. Δ --- ### [Chicago Wolves](https://www.scu.org/wolveshockey/) **Published:** September 11, 2024 **Author:** Erin Castellano **Content:** ![SCU Family sunday Wolves](https://www.scu.org/wp-content/uploads/2024/09/Wolves-Season-Ticket-Giveaway-Website-Header.png) This promotion has ended Thank you to everyone who participated in our Chicago Wolves Hockey Ticket Sweepstakes. Stay tuned for future promotions and exciting ways to be part of the Scott Credit Union community! Terms **\*SCU HOCKEY FAMILY SUNDAY SEASON TICKET SWEEPSTAKES****OFFICIAL RULES** **NO PURCHASE, PAYMENT, OR OBLIGATION NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. BY ENTERING INTO THE SWEEPSTAKES OR ACCEPTING A PRIZE, YOU AGREE TO THESE OFFICIAL RULES (THESE “RULES”), WHICH ARE A CONTRACT. YOU ARE RESPONSIBLE FOR READING THESE RULES CAREFULLY BEFORE ENTERING OR ACCEPTING A PRIZE. THESE RULES INCLUDE INDEMNITY OBLIGATIONS AND A LIMITATION OF YOUR RIGHTS AND REMEDIES. YOU ARE ENCOURAGED TO CONSULT WITH YOUR OWN ADVISORS OR LEGAL COUNSEL IF YOU HAVE ANY QUESTIONS REGARDING YOUR RIGHTS OR THESE RULES.** 1. **GENERAL**. The SCU Hockey Family Sunday Season Ticket Sweepstakes (the “Sweepstakes”) is sponsored by Scott Credit Union (“SCU”) and begins on September 11, 2024, at 3:00 p.m. and ends on October 30, 2024, at 11:59 p.m. (the “Sweepstakes Period”). All times set forth herein shall be based on Central Time. There are three prizes, each consisting of up to six tickets to each of the SCU Family Sunday games during the Chicago Wolves for the 2024-2025 hockey season (each, a “Prize” and collectively, the “Prizes”). The odds of winning will depend on the number of eligible entries received. SCU’s computer system will be the official record-keeping device for the Sweepstakes and will be used to conduct all random drawings as further described below. The Sweepstakes is subject to all applicable federal, state, and local laws and regulations. 1. **ELIGIBILITY.** Each person entering the Sweepstakes (each, an “Entrant” and collectively, the “Entrants”) must be in compliance with the terms of eligibility set forth herein both at the time of entry and at the time of the drawing. Each Entrant agrees to honor the decisions of SCU and acknowledges that all entries of Entrant which are not eligible or otherwise in accordance with these Rules shall be prohibited and void. The Sweepstakes is open only to natural persons who are legal residents of both the United States of America and the State of Missouri or Illinois and are 18 years of age or older as of the date of entry. Members of the Board of Directors of SCU (or its affiliates), employees who work in any capacity for SCU (or its affiliates), and their respective IRS dependents, immediate family members, and individuals residing in their same household are not eligible to participate in the Sweepstakes. No entry will be made or honored to any Entrant who is a member of SCU and whose account(s) is (are) overdrawn or has (have) been closed at the time of entry or the drawing. SCU reserves the right, in its sole and absolute discretion, to disqualify Entrants who are ineligible at the time of entry, at the time of drawing, or at any time between, or who otherwise violate these Rules, act with fraud or willful misconduct, or violate any applicable federal or state rules, laws, or regulations. By participating in the Sweepstakes, whether by entering or accepting a Prize, each Entrant represents and warrants to SCU that: (a) such Entrant is eligible to participate in the Sweepstakes in accordance with these Rules; (b) all information provided by such Entrant to SCU in connection with the Sweepstakes is true and complete in all respects; (c) all accounts of such Entrant, if any, are in good standing; and (d) such Entrant has reviewed, understands, agrees to, and is in compliance with the terms and conditions set out in these Rules. 1. **HOW TO ENTER.** Entrants may enter into the Sweepstakes using any of the following described methods of entry. Each Entrant, regardless of entry method, is limited to one entry for the Sweepstakes Period. All entries shall become the property of SCU. 1. ***Account Opening***. During the Sweepstakes Period, any person who opens either a Regular Checking, Student Checking, Cashback Checking or Extreme Checking account online may enter the Sweepstakes by electing to be entered during the account opening process. No person will be entered into the Sweepstakes automatically and must elect to be entered. All entries will be deemed to be submitted by the primary person in whose name the account opened to enter the Sweepstakes was opened. Accounts opened fraudulently or without proper authorization are ineligible for participation in the Sweepstakes. 2. ***Mail-In Alternative Entry Method***. During the Sweepstakes Period, eligible Entrants, which include both members and non-members of SCU, may legibly print the eligible Entrant’s name, address, city, state, ZIP Code, telephone number, e-mail address, and date of birth on a 3”X 5” card and mail the card in a hand-addressed, stamped envelope to: Scott Credit Union c/o Marketing – Football Season Ticket Sweepstakes, 101 Credit Union Way, Edwardsville, IL 65205. Mailed entries must be received by October 30, 2024, at 12:00 p.m. (the “Entry Deadline”) to be eligible for the Sweepstakes drawing. Entrants are responsible for ensuring that each entry submitted is complete, legible, and contains true and accurate information and is otherwise in compliance with these Rules. Mechanically reproduced, photocopied, illegible, incomplete, or inaccurate entries are automatically void. 3. **RANDOM DRAWING.** SCU will conduct a total of three (3) random drawings after the Entry Deadline but prior to 11:59 p.m. on October 30, 2024, from among all eligible entries timely received during the Sweepstakes Period. Four prize winners will be selected and each winner is eligible for only one Prize. SCU’s decisions are final and binding on all Entrants with regards to any and all matters relating to the Sweepstakes. SCU will make two attempts to contact each winner using the e-mail address provided by the winning Entrants to SCU. For all mail-in Entrants, this will be the information provided to SCU with the mail-in entry. For all other Entrants, this will be the information on record with SCU in connection with the account opened to enter the Sweepstakes. Entrants are responsible for notifying SCU in writing of any change to such information. SCU reserves the right to make additional attempts to contact a winner but shall have no obligation to make more than two attempts (the “Minimum Attempts”). **Provided that SCU makes the Minimum Attempts to contact a winner, the winner shall have a period, not to exceed 7 days after the final Minimum Attempt is made, to respond to the Prize notification and claim his, her, or their Prize (the “Claim”)**. If a winner fails to timely make his, her, or their Claim, or refuses to accept a Prize, then SCU may, in its sole and absolute discretion, randomly choose an alternate winner from the remaining eligible entries. Winners must meet all eligibility requirements. At the request of SCU, winners must deliver to SCU their social security number and an Affidavit of Eligibility, W-9 tax form, and publicity and liability release (subject to applicable law), each in form and substance acceptable to SCU (collectively, the “Required Documents”) and each of which must be completed, signed, and delivered within 7 days after the date of issuance by SCU. Entrants acknowledge, understand, and agree that Prizes are first come first serve. Cash substitution or transfer or assignment of Prizes are not permitted. All winners are solely responsible for all applicable federal, state, and local taxes, including, without limitation, taxes imposed on his/her/their income and SCU recommends that each winner consult with his/her/their professional advisor accordingly. SCU will report to the Internal Revenue Service the value of the Prizes as required by and in accordance with applicable law. At any time that an alternate winner is selected pursuant to these Rules, the original winner shall have no further right to Claim a Prize and all rights of the original winner under these Rules shall be automatically terminated with no further notice to such original winner necessary. 1. **PRIZE/ODDS:** The aggregate and approximate retail value of all Prizes awarded for the Sweepstakes is up to approximately $6,552. The approximate retail value of each Prize is up to approximately $2,184.00 ($28.00 per season ticket for 13 games each). The odds of winning will depend on the number of eligible entries timely received for the Sweepstakes Period. Distribution of each Prize (“Prize Distribution”) will be made as follows: upon a winner’s satisfaction of all requirements set out in these Rules, SCU will e-mail (or cause to be e-mailed) the winner the season tickets using the e-mail address used to notify the winner of the Prize. Prize Distribution shall occur within the latter of: (a) 30 days after the date the drawing for such Prize occurs, or (b) 7 days after winner Claims the Prize and completes and delivers to SCU all Required Documents. Expenses not stated in these Official Rules, including but not limited to, taxes on Prizes, travel expenses, and any other expense related to the acceptance of Prizes, are solely the responsibility of the winners. If applicable, winners will be issued an IRS 1099 tax form for the Prize value. Prizes will not be fulfilled where the drawing is void. 1. **ADDITIONAL AGREEMENTS OF ENTRANTS:** Entrants further agree: (a) To abide by these Rules and all decisions of SCU, which shall be final in all respects relating to the Sweepstakes; (b) That except where legally prohibited, Entrants hereby grant (and agree to confirm that grant in writing) permission for SCU, and those acting under its authority, to use his/her/their name, photograph, voice, and likeness for advertising, trade, and publicity purposes without compensation in all media now known or hereafter discovered, worldwide and on the Internet, without notice, review, or approval; (c) That winners may be required to complete, sign, and return Required Documents or other documentation as SCU may require to verify such winner’s eligibility, and that if all such documents are not returned on a timely basis or if a winner is found to be ineligible or not in compliance with these Rules, then his, her, or their Prize may be forfeited and an alternate winner may be randomly selected from among the remaining eligible entries timely received for the Sweepstakes Period; and (d) SCU may disqualify anyone from participating in the Sweepstakes or winning a Prize if, in its sole and absolute discretion, it determines that such person is attempting to undermine, tamper with, or abuse any aspect of the Sweepstakes including, without limitation, by cheating, deception, or other unfair playing practices, or intending to annoy, abuse, threaten, or harass any other Entrant or SCU representatives**.** ANY ATTEMPT TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE IN VIOLATION OF CRIMINAL AND/OR CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SCU RESERVES THE RIGHT, IN ITS SOLE AND ABSOLUTE DISCRETION AND WITHOUT LIMITING ANY OTHER RIGHTS OR REMEDIES, TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT OF THE LAW. 1. **PRIVACY**. Personal information provided by Entrants to SCU in connection with the Sweepstakes may be collected, processed, stored, and used by SCU subject to its privacy rules which can be found and located at https.//www.scu.org/privacy-policy/. 2. **LIABILITY AND INDEMNIFICATION**. **By entering or participating in the Sweepstakes, all Entrants and winners, on behalf of themselves, their executors, heirs, and assigns hereby: (a) Release SCU and its shareholders, affiliates, officers, directors, representatives, agents, successors and assigns (collectively, the “Released Parties”) from all liability, claims, damages, actions, costs, and expenses of any kind whatsoever (including, without limitation, for injuries, death, and bodily injuries, damages, or losses of any kind to persons or property) which arise from, are related to, or may be sustained in connection with the conduct or outcome of the Sweepstakes or the receipt, ownership, or use or misuse of any Prizes awarded; and (b) Indemnify and hold harmless all Released Parties from and against all liability, claims, damages, actions, costs, and expenses (including, without limitation, attorneys’ and legal fees) arising from or relating to the foregoing or the acts or omissions of the Entrant or winner. Under no circumstances shall Released Parties be liable for punitive, incidental, indirect, consequential, or special damages (including, without limitation, lost profits) or any other damages in excess of actual out-of-pocket costs incurred (if any) not to exceed $50, but in no event will attorneys’ fees be awarded or recoverable. Entrants assume all risk of loss, damage, destruction, delay, or misdirection of any Sweepstakes information, materials, or documents submitted to SCU and all risk of loss, damage, or destruction arising from or relating to the use or misuse of Prizes.** **Without limiting the generality of the foregoing, Released Parties shall have no liability and are not responsible for: (a) illegible, lost, late, delayed, deleted, damaged, incomplete, postage due, misdirected, undeliverable, mutilated, destroyed, or stolen mail entries; (b) incorrect, delayed, or inaccurate entry information whether caused by systems issues, site users, inaccurate records, human processing, tampering, hacking, theft, or destruction, or by equipment or programming used in this Sweepstakes; (c) any error, interruption, or unavailable network, server, satellite, or other connections; (d) miscommunications, failed computer, telephone, or cable transmissions, lines, or technical failure; (e) jumbled, scrambled, delayed, or misdirected transmissions, computer hardware or software malfunctions, failures, or difficulties; or (f) any other errors of any kind, whether human, mechanical, electronic, or network. Should any portion of the Sweepstakes be, in SCU’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, or other causes which, in the sole opinion of SCU, corrupt or impair the administration, security, fairness, or proper play, or submission of entries, SCU reserves the right, in its sole and absolute discretion, to suspend or terminate the Sweepstakes and to select winners from entries received prior to action taken or as otherwise deemed fair and appropriate by SCU.** **ENTRANTS ACKNOWLEDGE AND AGREE THAT SCU MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW), AS TO THE SWEEPSTAKES, THE ODDS OF WINNING, OR ANY PRIZES, INCLUDING, WITHOUT LIMITATION, ANY SERVICES OR PRODUCTS INCLUDED WITH ANY PRIZES. SCU EXPRESSLY DISCLAIMS, TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ALL WARRANTIES OR CONDITIONS, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ALL WARRANTIES ARISING FROM CONDUCT, COURSE OF DEALING, OR CUSTOM OF TRADE, AND ALL WARRANTIES OF TITLE OR NON-INFRINGEMENT. ENTRANTS ACKNOWLEDGE THAT THE PRIZES ARE PROVIDED BY THIRD-PARTIES AND SCU SHALL HAVE NO LIABILITY ARISING FROM OR RELATING TO THE PRIZES OR ANY THIRD PARTY ACTIONS OR OMISSIONS RELATING TO THE PRIZES.** 1. **MISCELLANEOUS.** SCU reserves the right to terminate the Sweepstakes at any time that it determines, in its sole and absolute discretion, that the Sweepstakes is contrary to or in violation of any applicable local, state, or federal rules, regulations, statutes, or laws, or that the Sweepstakes exposes SCU to a material risk of loss, or if any state or federal regulatory authority of SCU recommends or requires termination of the Sweepstakes. **The Sweepstakes and these Rules are governed by and construed in accordance with the laws of the State of Illinois. Any litigation arising under or relating to the Sweepstakes and/or these Rules shall be brought and prosecuted only in those state or federal courts having geographic jurisdiction over Cook County and Will County, Illinois and, to the maximum extent permitted under applicable law, Entrants agree to the exclusive jurisdiction of such courts. To the maximum extent permitted under applicable law, Entrants waive the right to a jury in any litigation arising under or relating to the Sweepstakes and/or these Rules.** Time shall be of the essence hereof. Notwithstanding the foregoing, any delay on the part of SCU in the exercise of any right or remedy shall not operate as a waiver thereof. If any provision of these Rules is prohibited by any applicable laws or regulations, such provision shall not be enforceable, but the remainder of these Rules shall remain fully enforceable, and any unenforceable provision shall be deemed to be amended to the extent necessary to be enforceable. The paragraph headings of these Rules are for convenience only and shall not limit or define the meaning or content hereof. All pronouns and variations thereof shall be deemed to refer to masculine, feminine, neuter, singular or plural, as the identity of the person or persons may require. The name and address of the Sweepstakes sponsor is Scott Credit Union c/o Marketing – Hockey Family Sunday Season Ticket Sweepstakes, 101 Credit Union Way, Edwardsville, IL 65205. All notices or other communications required, or permitted to be delivered, hereunder to SCU shall be in writing, delivered personally, or forwarded by certified mail, postage prepaid, or by a nationally recognized courier service to the address set forth above and shall be deemed delivered when received. This promotion has ended Thank you to everyone who participated in our Chicago Wolves Hockey Ticket Sweepstakes. Stay tuned for future promotions and exciting ways to be part of the Scott Credit Union community! ![SCU Family sunday Wolves](https://www.scu.org/wp-content/uploads/2024/09/Wolves-Season-Ticket-Giveaway-Website-Header.png)[Banner & Featured Image](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1&noencrypt=&l=1) Calling All Chicago Wolves Hockey Fans! We are raffling off tickets for you and your family to every [Chicago Wolves Scott Credit Union Family Sunday](https://www.chicagowolves.com/tickets/scott-credit-union-family-sundays/) game during the 2024-2025 season.* That’s 13 games!! SCU Family Sundays are the perfect way to take the entire family to a Chicago Wolves game and enjoy outstanding professional hockey in Chicago! Each Sunday game will feature sign-making stations on the Allstate Arena concourse and a great interactive Kids Zone. In addition, there will be post-game autograph sessions with select Wolves players. Enter now for your chance to get in on all the Sunday action! [Family Sunday Schedule](https://www.chicagowolves.com/tickets/scott-credit-union-family-sundays/) [Open an Account](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1&noencrypt=&l=1) How Can I Win? Do you need a seat to every SCU Family Sunday hockey game this season? Open a new SCU checking account online between now and October 30, 2024, at 11:59pm CT and you will be entered to win tickets for you and your family to every Chicago Wolves SCU Family Sunday game.* Make sure you click the box that states you want to enter the drawing and **three lucky winners will receive up to six tickets to every Chicago Wolves Sunday home hockey game during the 2024-2025 regular season.** Winners will be notified the week of November 4, 2024. See terms below. [Open an Account](https://app.loanspq.com/xa/xpressApp.aspx?lenderref=scottcu072120&type=1&noencrypt=&l=1) # How to Enter Follow these steps to enter for your chance to win Chicago Wolves hockey tickets. Be sure to monitor your email, as the winners of the hockey tickets will be notified the week of November 4th! **Winners will be required to complete at W9 tax form and an Affidavit of Eligibility to secure their tickets. [See terms below](/#terms).** 1. Select Open a New Account ![](https://www.scu.org/wp-content/uploads/2024/07/1-3.png "Mizzou football tickets - Scott Credit Union") 2. Select Any Checking Account Option ![](https://www.scu.org/wp-content/uploads/2024/07/2-3.png "Select Checking for MU Tickets - Scott Credit Union") 3. Select YES to Enter ![How to enter to win Chicago Wolves Tickets](https://www.scu.org/wp-content/uploads/2024/09/Wolves-e1725909209452.png "Wolves Tickets entry - Scott Credit Union") # Checking Account Options [table id=22 /] **\*SCU HOCKEY FAMILY SUNDAY SEASON TICKET SWEEPSTAKES****OFFICIAL RULES** **NO PURCHASE, PAYMENT, OR OBLIGATION NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. BY ENTERING INTO THE SWEEPSTAKES OR ACCEPTING A PRIZE, YOU AGREE TO THESE OFFICIAL RULES (THESE “RULES”), WHICH ARE A CONTRACT. YOU ARE RESPONSIBLE FOR READING THESE RULES CAREFULLY BEFORE ENTERING OR ACCEPTING A PRIZE. THESE RULES INCLUDE INDEMNITY OBLIGATIONS AND A LIMITATION OF YOUR RIGHTS AND REMEDIES. YOU ARE ENCOURAGED TO CONSULT WITH YOUR OWN ADVISORS OR LEGAL COUNSEL IF YOU HAVE ANY QUESTIONS REGARDING YOUR RIGHTS OR THESE RULES.** 1. **GENERAL**. The SCU Hockey Family Sunday Season Ticket Sweepstakes (the “Sweepstakes”) is sponsored by Scott Credit Union (“SCU”) and begins on September 11, 2024, at 3:00 p.m. and ends on October 30, 2024, at 11:59 p.m. (the “Sweepstakes Period”). All times set forth herein shall be based on Central Time. There are three prizes, each consisting of up to six tickets to each of the SCU Family Sunday games during the Chicago Wolves for the 2024-2025 hockey season (each, a “Prize” and collectively, the “Prizes”). The odds of winning will depend on the number of eligible entries received. SCU’s computer system will be the official record-keeping device for the Sweepstakes and will be used to conduct all random drawings as further described below. The Sweepstakes is subject to all applicable federal, state, and local laws and regulations. 1. **ELIGIBILITY.** Each person entering the Sweepstakes (each, an “Entrant” and collectively, the “Entrants”) must be in compliance with the terms of eligibility set forth herein both at the time of entry and at the time of the drawing. Each Entrant agrees to honor the decisions of SCU and acknowledges that all entries of Entrant which are not eligible or otherwise in accordance with these Rules shall be prohibited and void. The Sweepstakes is open only to natural persons who are legal residents of both the United States of America and the State of Missouri or Illinois and are 18 years of age or older as of the date of entry. Members of the Board of Directors of SCU (or its affiliates), employees who work in any capacity for SCU (or its affiliates), and their respective IRS dependents, immediate family members, and individuals residing in their same household are not eligible to participate in the Sweepstakes. No entry will be made or honored to any Entrant who is a member of SCU and whose account(s) is (are) overdrawn or has (have) been closed at the time of entry or the drawing. SCU reserves the right, in its sole and absolute discretion, to disqualify Entrants who are ineligible at the time of entry, at the time of drawing, or at any time between, or who otherwise violate these Rules, act with fraud or willful misconduct, or violate any applicable federal or state rules, laws, or regulations. By participating in the Sweepstakes, whether by entering or accepting a Prize, each Entrant represents and warrants to SCU that: (a) such Entrant is eligible to participate in the Sweepstakes in accordance with these Rules; (b) all information provided by such Entrant to SCU in connection with the Sweepstakes is true and complete in all respects; (c) all accounts of such Entrant, if any, are in good standing; and (d) such Entrant has reviewed, understands, agrees to, and is in compliance with the terms and conditions set out in these Rules. 1. **HOW TO ENTER.** Entrants may enter into the Sweepstakes using any of the following described methods of entry. Each Entrant, regardless of entry method, is limited to one entry for the Sweepstakes Period. All entries shall become the property of SCU. 1. ***Account Opening***. During the Sweepstakes Period, any person who opens either a Regular Checking, Student Checking, Cashback Checking or Extreme Checking account online may enter the Sweepstakes by electing to be entered during the account opening process. No person will be entered into the Sweepstakes automatically and must elect to be entered. All entries will be deemed to be submitted by the primary person in whose name the account opened to enter the Sweepstakes was opened. Accounts opened fraudulently or without proper authorization are ineligible for participation in the Sweepstakes. 2. ***Mail-In Alternative Entry Method***. During the Sweepstakes Period, eligible Entrants, which include both members and non-members of SCU, may legibly print the eligible Entrant’s name, address, city, state, ZIP Code, telephone number, e-mail address, and date of birth on a 3”X 5” card and mail the card in a hand-addressed, stamped envelope to: Scott Credit Union c/o Marketing – Football Season Ticket Sweepstakes, 101 Credit Union Way, Edwardsville, IL 65205. Mailed entries must be received by October 30, 2024, at 12:00 p.m. (the “Entry Deadline”) to be eligible for the Sweepstakes drawing. Entrants are responsible for ensuring that each entry submitted is complete, legible, and contains true and accurate information and is otherwise in compliance with these Rules. Mechanically reproduced, photocopied, illegible, incomplete, or inaccurate entries are automatically void. 3. **RANDOM DRAWING.** SCU will conduct a total of three (3) random drawings after the Entry Deadline but prior to 11:59 p.m. on October 30, 2024, from among all eligible entries timely received during the Sweepstakes Period. Four prize winners will be selected and each winner is eligible for only one Prize. SCU’s decisions are final and binding on all Entrants with regards to any and all matters relating to the Sweepstakes. SCU will make two attempts to contact each winner using the e-mail address provided by the winning Entrants to SCU. For all mail-in Entrants, this will be the information provided to SCU with the mail-in entry. For all other Entrants, this will be the information on record with SCU in connection with the account opened to enter the Sweepstakes. Entrants are responsible for notifying SCU in writing of any change to such information. SCU reserves the right to make additional attempts to contact a winner but shall have no obligation to make more than two attempts (the “Minimum Attempts”). **Provided that SCU makes the Minimum Attempts to contact a winner, the winner shall have a period, not to exceed 7 days after the final Minimum Attempt is made, to respond to the Prize notification and claim his, her, or their Prize (the “Claim”)**. If a winner fails to timely make his, her, or their Claim, or refuses to accept a Prize, then SCU may, in its sole and absolute discretion, randomly choose an alternate winner from the remaining eligible entries. Winners must meet all eligibility requirements. At the request of SCU, winners must deliver to SCU their social security number and an Affidavit of Eligibility, W-9 tax form, and publicity and liability release (subject to applicable law), each in form and substance acceptable to SCU (collectively, the “Required Documents”) and each of which must be completed, signed, and delivered within 7 days after the date of issuance by SCU. Entrants acknowledge, understand, and agree that Prizes are first come first serve. Cash substitution or transfer or assignment of Prizes are not permitted. All winners are solely responsible for all applicable federal, state, and local taxes, including, without limitation, taxes imposed on his/her/their income and SCU recommends that each winner consult with his/her/their professional advisor accordingly. SCU will report to the Internal Revenue Service the value of the Prizes as required by and in accordance with applicable law. At any time that an alternate winner is selected pursuant to these Rules, the original winner shall have no further right to Claim a Prize and all rights of the original winner under these Rules shall be automatically terminated with no further notice to such original winner necessary. 1. **PRIZE/ODDS:** The aggregate and approximate retail value of all Prizes awarded for the Sweepstakes is up to approximately $6,552. The approximate retail value of each Prize is up to approximately $2,184.00 ($28.00 per season ticket for 13 games each). The odds of winning will depend on the number of eligible entries timely received for the Sweepstakes Period. Distribution of each Prize (“Prize Distribution”) will be made as follows: upon a winner’s satisfaction of all requirements set out in these Rules, SCU will e-mail (or cause to be e-mailed) the winner the season tickets using the e-mail address used to notify the winner of the Prize. Prize Distribution shall occur within the latter of: (a) 30 days after the date the drawing for such Prize occurs, or (b) 7 days after winner Claims the Prize and completes and delivers to SCU all Required Documents. Expenses not stated in these Official Rules, including but not limited to, taxes on Prizes, travel expenses, and any other expense related to the acceptance of Prizes, are solely the responsibility of the winners. If applicable, winners will be issued an IRS 1099 tax form for the Prize value. Prizes will not be fulfilled where the drawing is void. 1. **ADDITIONAL AGREEMENTS OF ENTRANTS:** Entrants further agree: (a) To abide by these Rules and all decisions of SCU, which shall be final in all respects relating to the Sweepstakes; (b) That except where legally prohibited, Entrants hereby grant (and agree to confirm that grant in writing) permission for SCU, and those acting under its authority, to use his/her/their name, photograph, voice, and likeness for advertising, trade, and publicity purposes without compensation in all media now known or hereafter discovered, worldwide and on the Internet, without notice, review, or approval; (c) That winners may be required to complete, sign, and return Required Documents or other documentation as SCU may require to verify such winner’s eligibility, and that if all such documents are not returned on a timely basis or if a winner is found to be ineligible or not in compliance with these Rules, then his, her, or their Prize may be forfeited and an alternate winner may be randomly selected from among the remaining eligible entries timely received for the Sweepstakes Period; and (d) SCU may disqualify anyone from participating in the Sweepstakes or winning a Prize if, in its sole and absolute discretion, it determines that such person is attempting to undermine, tamper with, or abuse any aspect of the Sweepstakes including, without limitation, by cheating, deception, or other unfair playing practices, or intending to annoy, abuse, threaten, or harass any other Entrant or SCU representatives**.** ANY ATTEMPT TO DELIBERATELY UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE IN VIOLATION OF CRIMINAL AND/OR CIVIL LAWS, AND SHOULD SUCH AN ATTEMPT BE MADE, SCU RESERVES THE RIGHT, IN ITS SOLE AND ABSOLUTE DISCRETION AND WITHOUT LIMITING ANY OTHER RIGHTS OR REMEDIES, TO SEEK DAMAGES AND OTHER REMEDIES (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) FROM ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT OF THE LAW. 1. **PRIVACY**. Personal information provided by Entrants to SCU in connection with the Sweepstakes may be collected, processed, stored, and used by SCU subject to its privacy rules which can be found and located at https.//www.scu.org/privacy-policy/. 2. **LIABILITY AND INDEMNIFICATION**. **By entering or participating in the Sweepstakes, all Entrants and winners, on behalf of themselves, their executors, heirs, and assigns hereby: (a) Release SCU and its shareholders, affiliates, officers, directors, representatives, agents, successors and assigns (collectively, the “Released Parties”) from all liability, claims, damages, actions, costs, and expenses of any kind whatsoever (including, without limitation, for injuries, death, and bodily injuries, damages, or losses of any kind to persons or property) which arise from, are related to, or may be sustained in connection with the conduct or outcome of the Sweepstakes or the receipt, ownership, or use or misuse of any Prizes awarded; and (b) Indemnify and hold harmless all Released Parties from and against all liability, claims, damages, actions, costs, and expenses (including, without limitation, attorneys’ and legal fees) arising from or relating to the foregoing or the acts or omissions of the Entrant or winner. Under no circumstances shall Released Parties be liable for punitive, incidental, indirect, consequential, or special damages (including, without limitation, lost profits) or any other damages in excess of actual out-of-pocket costs incurred (if any) not to exceed $50, but in no event will attorneys’ fees be awarded or recoverable. Entrants assume all risk of loss, damage, destruction, delay, or misdirection of any Sweepstakes information, materials, or documents submitted to SCU and all risk of loss, damage, or destruction arising from or relating to the use or misuse of Prizes.** **Without limiting the generality of the foregoing, Released Parties shall have no liability and are not responsible for: (a) illegible, lost, late, delayed, deleted, damaged, incomplete, postage due, misdirected, undeliverable, mutilated, destroyed, or stolen mail entries; (b) incorrect, delayed, or inaccurate entry information whether caused by systems issues, site users, inaccurate records, human processing, tampering, hacking, theft, or destruction, or by equipment or programming used in this Sweepstakes; (c) any error, interruption, or unavailable network, server, satellite, or other connections; (d) miscommunications, failed computer, telephone, or cable transmissions, lines, or technical failure; (e) jumbled, scrambled, delayed, or misdirected transmissions, computer hardware or software malfunctions, failures, or difficulties; or (f) any other errors of any kind, whether human, mechanical, electronic, or network. Should any portion of the Sweepstakes be, in SCU’s sole opinion, compromised by virus, worms, bugs, non-authorized human intervention, or other causes which, in the sole opinion of SCU, corrupt or impair the administration, security, fairness, or proper play, or submission of entries, SCU reserves the right, in its sole and absolute discretion, to suspend or terminate the Sweepstakes and to select winners from entries received prior to action taken or as otherwise deemed fair and appropriate by SCU.** **ENTRANTS ACKNOWLEDGE AND AGREE THAT SCU MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW), AS TO THE SWEEPSTAKES, THE ODDS OF WINNING, OR ANY PRIZES, INCLUDING, WITHOUT LIMITATION, ANY SERVICES OR PRODUCTS INCLUDED WITH ANY PRIZES. SCU EXPRESSLY DISCLAIMS, TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, ALL WARRANTIES OR CONDITIONS, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ALL WARRANTIES ARISING FROM CONDUCT, COURSE OF DEALING, OR CUSTOM OF TRADE, AND ALL WARRANTIES OF TITLE OR NON-INFRINGEMENT. ENTRANTS ACKNOWLEDGE THAT THE PRIZES ARE PROVIDED BY THIRD-PARTIES AND SCU SHALL HAVE NO LIABILITY ARISING FROM OR RELATING TO THE PRIZES OR ANY THIRD PARTY ACTIONS OR OMISSIONS RELATING TO THE PRIZES.** 1. **MISCELLANEOUS.** SCU reserves the right to terminate the Sweepstakes at any time that it determines, in its sole and absolute discretion, that the Sweepstakes is contrary to or in violation of any applicable local, state, or federal rules, regulations, statutes, or laws, or that the Sweepstakes exposes SCU to a material risk of loss, or if any state or federal regulatory authority of SCU recommends or requires termination of the Sweepstakes. **The Sweepstakes and these Rules are governed by and construed in accordance with the laws of the State of Illinois. Any litigation arising under or relating to the Sweepstakes and/or these Rules shall be brought and prosecuted only in those state or federal courts having geographic jurisdiction over Cook County and Will County, Illinois and, to the maximum extent permitted under applicable law, Entrants agree to the exclusive jurisdiction of such courts. To the maximum extent permitted under applicable law, Entrants waive the right to a jury in any litigation arising under or relating to the Sweepstakes and/or these Rules.** Time shall be of the essence hereof. Notwithstanding the foregoing, any delay on the part of SCU in the exercise of any right or remedy shall not operate as a waiver thereof. If any provision of these Rules is prohibited by any applicable laws or regulations, such provision shall not be enforceable, but the remainder of these Rules shall remain fully enforceable, and any unenforceable provision shall be deemed to be amended to the extent necessary to be enforceable. The paragraph headings of these Rules are for convenience only and shall not limit or define the meaning or content hereof. All pronouns and variations thereof shall be deemed to refer to masculine, feminine, neuter, singular or plural, as the identity of the person or persons may require. The name and address of the Sweepstakes sponsor is Scott Credit Union c/o Marketing – Hockey Family Sunday Season Ticket Sweepstakes, 101 Credit Union Way, Edwardsville, IL 65205. All notices or other communications required, or permitted to be delivered, hereunder to SCU shall be in writing, delivered personally, or forwarded by certified mail, postage prepaid, or by a nationally recognized courier service to the address set forth above and shall be deemed delivered when received. Terms --- ### [SCU@Work Contact Us](https://www.scu.org/scuwork-contact-us/) **Published:** February 6, 2025 **Author:** Chelsea Rogers **Content:** SCU@Work Contact Us Business Name \* Contact Name \* Number of Employees \* Business Address \* Email \* Phone Number \* Message \* Submit If you are human, leave this field blank. Δ --- ### [March 7, 2026 Homebuyer Seminar](https://www.scu.org/march-7-2026-homebuyer-seminar/) **Published:** January 26, 2026 **Author:** Jen Audetat **Content:** March 7, 2026 Homebuyer Seminar First Name \* Last Name \* Email \* Phone \* How many guests will you be bringing? \* Attendees Names Submit If you are human, leave this field blank. Δ --- ### [March 4, 2026 Homebuyer Seminar](https://www.scu.org/march-4-2026-homebuyer-seminar/) **Published:** February 3, 2026 **Author:** Jen Audetat **Content:** March 4, 2026 Homebuyer Seminar First Name \* Last Name \* Email \* Phone \* How many guests will you be bringing? \* Attendees Names Submit If you are human, leave this field blank. Δ --- ### [Future Champions](https://www.scu.org/champions/) **Published:** February 6, 2026 **Author:** Jen Audetat **Content:** ![Bring their Dreams Home with a Mortgage Loan](https://www.scu.org/wp-content/uploads/2026/02/desktop-hero@2x.jpg) ![Bring their Dreams Home with a Mortgage Loan](https://www.scu.org/wp-content/uploads/2026/02/mobile-hero@2x.jpg) # **Invest in a Winning Future** Building for the future is a long game, and Scott Credit Union is here to help you win it. Whether securing a future home with a mortgage, managing daily wins with a checking account, or starting a youth account for your future champion, we are with you every step of the way. Let us help you and your family set a solid course with the financial tools needed for a bright future. ![Husband and Wife holding baby on a couch](https://www.scu.org/wp-content/uploads/2026/02/Diamond-Image-Mortgage-Cropped.png "- Scott Credit Union") ## **Secure Your Future Home** *With a Mortgage Loan From Scott Credit Union* With competitive, member-focused benefits and expert guidance, we help you get closer to the home you deserve. Our mortgage loan options are designed to fit your budget, ensuring you have a winning strategy for homeownership. [Explore Loan Options](https://www.scu.org/mortgage/) ![Husband and Wife holding baby on a couch](https://www.scu.org/wp-content/uploads/2026/02/Diamond-Image-Mortgage-Cropped.png "- Scott Credit Union") ![Group of Friends Standing in snow smiling for a photo](https://www.scu.org/wp-content/uploads/2026/02/Diamond-Image-Checking-Cropped.png "Diamond Image Checking Cropped - Scott Credit Union") ## **Manage Your Wins** *With a Checking Account at Scott Credit Union* Enjoy a checking account with no monthly fees, no minimum balances, and a reliable Scott Credit Union team in your corner. We ensure you’re always set up for a winning future, no matter what life throws your way. [Open Checking Account](https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb&_gl=1%2Aiwqrqk%2A_gcl_au%2ANjU0MDk1ODkzLjE3Njg5MjA4MTI.%2A_ga%2AMTA2MDk4OTU0Ni4xNzY4OTIwODEy%2A_ga_B0G6MQ5G1Q%2AczE3NzAzMTU5ODQkbzIwJGcxJHQxNzcwMzE2MDY1JGo2MCRsMCRoMA) ![Group of Friends Standing in snow smiling for a photo](https://www.scu.org/wp-content/uploads/2026/02/Diamond-Image-Checking-Cropped.png "Diamond Image Checking Cropped - Scott Credit Union") ![Father and Son adding money to a piggy bank.](https://www.scu.org/wp-content/uploads/2026/02/Diamond-Image-Youth-Cropped.png "- Scott Credit Union") ## **Champion the Next Generation** *With a Youth Account From Scott Credit Union* Give your future champion a head start with a Scott Credit Union youth account. Open with just $5 and help them build smart saving habits with no monthly fees—the perfect tool to start their winning streak. [See Youth Accounts](https://www.scu.org/youth/) ![Father and Son adding money to a piggy bank.](https://www.scu.org/wp-content/uploads/2026/02/Diamond-Image-Youth-Cropped.png "- Scott Credit Union") ## **Rooted In Community. Growing Futures.** ## **Meet our Future Champions** We are proud to partner with KSDK News to celebrate the Future Champions born at HSHS St. Elizabeth’s Hospital this winter! Being part of their story from the start is an honor, as we love seeing families grow, helping children thrive, and celebrating every milestone along the way. We’re grateful to be part of these early moments in a child’s life from day one and for years to come. ![Frame 1](https://www.scu.org/wp-content/uploads/2026/02/Frame-1-scaled.png "Frame 1 - Scott Credit Union") ![Frame 2](https://www.scu.org/wp-content/uploads/2026/02/Frame-2-scaled.png "Frame 2 - Scott Credit Union") ![Frame 3](https://www.scu.org/wp-content/uploads/2026/02/Frame-3-scaled.png "Frame 3 - Scott Credit Union") ![Frame 4](https://www.scu.org/wp-content/uploads/2026/02/Frame-4-scaled.png "Frame 4 - Scott Credit Union") ![Frame 5](https://www.scu.org/wp-content/uploads/2026/02/Frame-5-scaled.png "Frame 5 - Scott Credit Union") ![Frame 6](https://www.scu.org/wp-content/uploads/2026/02/Frame-6-scaled.png "Frame 6 - Scott Credit Union") ![Frame 7](https://www.scu.org/wp-content/uploads/2026/02/Frame-7-scaled.png "Frame 7 - Scott Credit Union") ![Frame 8](https://www.scu.org/wp-content/uploads/2026/02/Frame-8-scaled.png "Frame 8 - Scott Credit Union") ![Frame 9](https://www.scu.org/wp-content/uploads/2026/02/Frame-9-scaled.png "Frame 9 - Scott Credit Union") ![Frame 10](https://www.scu.org/wp-content/uploads/2026/02/Frame-10-scaled.png "Frame 10 - Scott Credit Union") ![Frame 11](https://www.scu.org/wp-content/uploads/2026/02/Frame-11-scaled.png "Frame 11 - Scott Credit Union") ## **Ready to take a step toward your future?** Learn more about the different types of accounts we offer and the benefits of joining Scott Credit Union. [Become a Member](https://app.loanspq.com/xa/xpressApp.aspx?enc=Kw21Wblm1yxpjJabdoZaD15y08Z53iWrNOTEzSVbQkktHkFYMyev7OzzN_nERrnIBt2HN4cX2uy6UZrrmsdynGXi5VDeMxIhqoT1tpdTJIs&_gl=1%2Aiss14m%2A_gcl_au%2ANjU0MDk1ODkzLjE3Njg5MjA4MTI.%2A_ga%2AMTA2MDk4OTU0Ni4xNzY4OTIwODEy%2A_ga_B0G6MQ5G1Q%2AczE3NzAzMTU5ODQkbzIwJGcxJHQxNzcwMzE2MTIyJGozJGwwJGgw) --- ### [April 11, 2026 Homebuyer Seminar](https://www.scu.org/april-11-2026-homebuyer-seminar/) **Published:** March 4, 2026 **Author:** Jen Audetat **Content:** April 11, 2026 Homebuyer Seminar First Name \* Last Name \* Email \* Phone \* How many guests will you be bringing? \* Attendees Names Submit If you are human, leave this field blank. Δ --- ### [Mortgage Calculator](https://www.scu.org/mortgage-calculator/) **Published:** April 20, 2023 **Author:** Chelsea Rogers **Content:** Scott Credit Union Mortgage Calculator Mortgage Calculator **FIND OUT HOW MUCH YOU CAN AFFORD** The following online calculators serve as helpful tools during the mortgage process. --- ### [404 Error Page](https://www.scu.org/404-error-page/) **Published:** April 25, 2023 **Author:** Chelsea Rogers **Content:** ## Page Does Not Exist We are very sorry but the page you are looking for either does not exist or has been moved. Please find below a list of our most frequently visited pages. - [Online Services](/online-services/) - [Mobile Banking](/online-services/) - [Contact Us](/contact/) - [Checking Accounts](/personal-checking/) - [Savings Accounts](/savings/) - [Home Loans](/mortgage/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Consumers Credit Union and Scott Credit Union Announce Intent to Combine, Creating Greater Value for Members and Communities Proposed combination would create a stronger, future-ready credit union focused on members, employees, and communities LAKE FOREST, IL and EDWARDSVILLE, IL (October 1, 2026) – Consumers Credit Union (CCU) and [Read more](https://www.scu.org/consumers-credit-union-and-scott-credit-union-announce-intent-to-combine-creating-greater-value-for-members-and-communities/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Invests $250,000 in St. Elizabeth’s Hospital Regional Expansion Project Edwardsville, IL – August 26, 2026 – Scott Credit Union has committed a $250,000 major gift to the HSHS St. Elizabeth’s Hospital Foundation in support of the hospital’s ongoing $116 [Read more](https://www.scu.org/scott-credit-union-invests-250000-in-st-elizabeths-hospital-regional-expansion-project/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Launches “Community Heroes Loan Program” to Recognize Local Service Professionals Ahead of America’s 250th Anniversary Edwardsville, IL — July 2, 2026 — As the nation reflects on 250 years of American history, Scott Credit Union (SCU) has launched a meaningful initiative to honor the everyday [Read more](https://www.scu.org/scott-credit-union-launches-community-heroes-loan-program-to-recognize-local-service-professionals-ahead-of-americas-250th-anniversary/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### The Scott Credit Union Community Foundation’s 18th Annual Golf Scramble Raises $63,508 for Local Communities Edwardsville, IL – May 28, 2026 – The Scott Credit Union Community Foundation is pleased to announce the success of its 18th Annual Golf Scramble, held on May 15, 2026, [Read more](https://www.scu.org/the-scott-credit-union-community-foundations-18th-annual-golf-scramble-raises-63508-for-local-communities/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Receives FOCUS St. Louis’ What’s Right with the Region Award for Innovative With You Grants Program Edwardsville, IL – (May 8, 2026) – Scott Credit Union (SCU) is proud to announce it has received the 29th Annual What’s Right with the Region Award in the category [Read more](https://www.scu.org/scott-credit-union-receives-focus-st-louis-whats-right-with-the-region-award-for-innovative-with-you-grants-program/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Appoints Michael Cannes as First Chief Risk Officer to Strengthen Strategic Growth Edwardsville, IL – April 30, 2026 – Scott Credit Union (SCU) is pleased to announce the appointment of Michael Cannes as the organization’s first Chief Risk Officer, effective April 20, [Read more](https://www.scu.org/scott-credit-union-appoints-michael-cannes-as-first-chief-risk-officer-to-strengthen-strategic-growth/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Wins Prestigious Diamond Award for Digital Advertising Excellence Edwardsville, IL – April 14, 2026 – Scott Credit Union was among 181 credit unions nationwide named as a winner of the prestigious 2026 Diamond Awards. Presented by America’s Credit [Read more](https://www.scu.org/scott-credit-union-wins-prestigious-diamond-award-for-digital-advertising-excellence/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Hosts Virtual 83rd Annual Membership Meeting Edwardsville, IL – March 20, 2026 – Scott Credit Union (SCU) held its 83rd Annual Meeting on Thursday, March 19, 2026, bringing together members, leadership, and the Board of Directors [Read more](https://www.scu.org/scott-credit-union-hosts-virtual-83rd-annual-membership-meeting/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Community Foundation Funds 57 Student Centered School Projects Through 2025 With You Grants Edwardsville, IL – December 10, 2025 – The Scott Credit Union Community Foundation is proud to announce the awarding of 57 With You Grants, totaling more than $150,000, to support [Read more](https://www.scu.org/scott-credit-union-community-foundation-funds-57-student-centered-school-projects-through-2025-with-you-grants/) ![](https://www.scu.org/wp-content/plugins/js_composer/assets/vc/vc_gitem_image.png) #### Scott Credit Union Gives Back Over $1 Million to Members Through Annual Bonus Dividend and Loan Interest Rebate Edwardsville, IL – December 8, 2025 — Scott Credit Union is once again sharing its success with the people who make it possible. Just in time for the holiday season, [Read more](https://www.scu.org/scott-credit-union-gives-back-over-1-million-to-members-through-annual-bonus-dividend-and-loan-interest-rebate/) --- ## Lenders ### [Tony Bakalar 2](https://www.scu.org/lender/tony-bakalar-2/) **Published:** February 20, 2023 **Author:** Chelsea Rogers **Content:** Mortgage Loan Originator Cell Phone: 314-503-7531 Email: Tony.Bakalar@scu.org NMLS # 228088 --- ### [Tony Bakalar](https://www.scu.org/lender/tony-bakalar/) **Published:** February 20, 2023 **Author:** Chelsea Rogers **Content:** --- ### [Tricia Newton](https://www.scu.org/lender/tricia-newton/) **Published:** February 20, 2023 **Author:** Chelsea Rogers **Content:** --- ## Categories ### [Uncategorized](https://www.scu.org/category/uncategorized/) --- ### [Managing Your Money](https://www.scu.org/category/managing-your-money/) --- ### [Scott Credit Union News](https://www.scu.org/category/scott-credit-union-news/) --- ### [Classic Club 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