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
| CashBack Checking | eXtreme Checking | Regular Checking | Student Checking | |
|---|---|---|---|---|
| Maximum Interest Earned (when requirements are met) | No Interest Earned | 0.55% APY1 on balances up to $25,000 | No Interest Earned | No Interest Earned |
| Maximum Interest Earned on balances over $25,000 (when requirements are met) | No Interest Earned | 0.05% APY1 | No Interest Earned | No Interest Earned |
| Interest Earned (when requirements are not met) | No Interest Earned | 0.01% APY1 | No Interest Earned | No Interest Earned |
| Earns CashBack Bonus (when requirements are met)2 | ✔ | |||
| No Monthly Service Fee | ✔3 | ✔3 | ✔3 | ✔ |
| No Minimum Balance | ✔ | ✔ | ✔ | ✔ |
| Accessible through SCU Online and SCU Mobile | ✔ | ✔ | ✔ | ✔ |
| Free Online Bill Pay | ✔ | ✔ | ✔ | ✔ |
| eAlerts & eStatements | ✔ | ✔ | ✔ | ✔ |
| Free Mobile Deposit | ✔ | ✔ | ✔ | ✔ |
| Overdraft Protection | ✔ | ✔ | ✔ | ✔ |
| Compatible with Apple, Samsung or Google Pay | ✔ | ✔ | ✔ | ✔ |
| Blues Card Creative (Optional) | ✔ | ✔ | ✔ | ✔ |
| Blues Checks (Optional) | ✔ | ✔ | ✔ |
1 APY=Annual Percentage Yield.
2 You may earn up to a 1% CashBack Reward on your debit card purchases each month with a maximum reward of up to $10 per month ($120 per year) when requirements are met.
3 $2 paper statement fee applies if not enrolled in eStatements.
Current Personal Loan Interest Rates
| Type of Loan | Term | APR* |
|---|---|---|
| Pledge Share Loans | 60 Months | 2.00% above current Share Rate or 2.00% above current Share Certificate Rate |
| Signature Loans | 60 Months | as low as 12.25% |
| Signature Loans | 48 Months | as low as 12.25% |
| Signature Loans | 36 Months | as low as 11.75% |
| Ready Reserve Overdraft Protection | N/A | as low as 16.00% |
**Rates effective as of November 1, 2026
Motorcycles
| Model Years | Minimum Loan Amount | Term | APR2 |
|---|---|---|---|
| 2027-2025 | $15,000 | 72 Months | as low as 9.49% |
| 2027-2025 | $5,000 | 60 Months | as low as 8.49% |
| 2027-2025 | $500 | 48 Months | as low as 8.24% |
| 2024-2021 | $15,000 | 72 Months | as low as 9.99% |
| 2024-2021 | $5,000 | 60 Months | as low as 8.99% |
| 2024-2021 | $500 | 48 Months | as low as 8.74% |
| 2020-2017 | $5,000 | 60 Months | as low as 10.49% |
| 2020-2017 | $500 | 48 Months | as low as 10.24% |
| 2016 & Older | $500 | 48 Months | as low as 11.24% |
Motorsports & ATVs
| Model Years | Minimum Loan Amount | Term | APR3 |
|---|---|---|---|
| 2027-2025 | $15,000 | 72 Months | as low as 9.49% |
| 2027-2025 | $5,000 | 60 Months | as low as 8.49% |
| 2027-2025 | $500 | 48 Months | as low as 8.24% |
| 2024-2021 | $15,000 | 72 Months | as low as 9.99% |
| 2024-2021 | $5,000 | 60 Months | as low as 8.99% |
| 2024-2021 | $500 | 48 Months | as low as 8.74% |
| 2020-2017 | $5,000 | 60 Months | as low as 10.49% |
| 2020-2017 | $500 | 48 Months | as low as 10.24% |
| 2016 & Older | $500 | 48 Months | as low as 11.24% |
Auto Loan Terms by Year Model
| Model Years | Minimum Loan Amount | Term | APR1 |
|---|---|---|---|
| 2027-2025 | $25,000 | 84 Months | as low as 6.99% |
| 2027-2025 | $15,000 | 72 Months | as low as 5.24% |
| 2027-2025 | $5,000 | 60 Months | as low as 4.99% |
| 2024-2021 | $25,000 | 84 Months | as low as 8.24% |
| 2024-2021 | $15,000 | 72 Months | as low as 6.19% |
| 2024-2021 | $5,000 | 60 Months | as low as 5.19% |
| 2020-2017 | $15,000 | 72 Months | as low as 9.24% |
| 2020-2017 | $5,000 | 60 Months | as low as 7.74% |
| 2016 & Older | $5,000 | 60 Months | as low as 9.74% |
Boats, Campers, & RVs
| Model Years | Minimum Loan Amount | Term | APR4 |
|---|---|---|---|
| 2027-2025 | $35,000 | 180 Months | as low as 10.70% |
| 2027-2025 | $15,000 | 120 Months | as low as 9.95% |
| 2027-2025 | $10,000 | 84 Months | as low as 9.20% |
| 2027-2025 | $5,000 | 60 Months | as low as 8.70% |
| 2024-2021 | $35,000 | 180 Months | as low as 11.70% |
| 2024-2021 | $15,000 | 120 Months | as low as 10.95% |
| 2024-2021 | $10,000 | 84 Months | as low as 10.20% |
| 2024-2021 | $5,000 | 60 Months | as low as 9.70% |
| 2020-2017 | $15,000 | 120 Months | as low as 11.45% |
| 2020-2017 | $10,000 | 84 Months | as low as 10.70% |
| 2020-2017 | $5,000 | 60 Months | as low as 10.20% |
| 2016 & Older | $15,000 | 120 Months | as low as 11.95% |
| 2016 & Older | $10,000 | 84 Months | as low as 11.20% |
| 2016 & Older | $5,000 | 60 Months | as low as 10.70% |
Savings Account Interest Rates
| Account Type | Dividend Rate | APY1 |
|---|---|---|
| Share Savings | 0.349% | 0.350% |
| Youth Share Savings2 (Kidz Club and Teen Share) | 0.449% | 0.450% |
| Holiday Club | 0.349% | 0.350% |
1APY = Annual Percentage Yield. Dividends are paid on Share Savings, IRA Share, and Holiday Club Share accounts with balances of $100 or more.
2Minor Share accounts earn the same APY as regular shares on balances over $1,000.
Credit Card Rates
Select Mastercard® | Platinum Mastercard® | Platinum Rewards Mastercard® | Platinum World Rewards Mastercard® | St. Louis Blues Mastercard® |
|
|---|---|---|---|---|---|
| Intro Rate | N/A | 1.99% Into APR1 for 6 billing cycles | 1.99% Into APR1 for 6 billing cycles | 1.99% Into APR1 for 6 billing cycles | 1.99% Into APR1 for 6 billing cycles |
| Balance Transfer | N/A | 0.00% Into APR for 6 billing cycles on Balance Transfers | 0.00% Into APR for 6 billing cycles on Balance Transfers | 0.00% Into APR for 6 billing cycles on Balance Transfers | 0.00% Into APR for 6 billing cycles on Balance Transfers |
| Credit Limit | $500 - $1,0002 | $500 - $50,000 | $500 - $50,000 | $10,000 - $50,000 | $500 - $50,000 |
| Earn Rewards | ✖ | ✖ | ✔ | ✔ | ✔ |
| Annual Fee | None | None | None | None | None |
| Grace Period3 | 25 Days | 25 Days | 25 Days | 25 Days | 25 Days |
| Guide to Benefits | |||||
| ID Theft Protection | ✔ | ✔ | ✔ | ✔ | ✔ |
| Zero Liability | ✔ | ✔ | ✔ | ✔ | ✔ |
| Contactless Technology | ✔ | ✔ | ✔ | ✔ | ✔ |
| Mastercard® Global Services | ✔ | ✔ | ✔ | ✔ | ✔ |
| Priceless Experiences | ✔ | ✔ | ✔ | ✔ | ✔ |
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 9.90% 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.
Money Market Account Rates
| Tier | Dividend Rate | APY 1 |
|---|---|---|
| Up to $2,499.99 | 1.79% | 1.80% |
| $2,500.00 – $9,999.99 | 1.93% | 1.95% |
| $10,000.00 – $24,999.99 | 1.93% | 1.95% |
| $25,000.00 – $49,999.99 | 1.98% | 2.00% |
| $50,000.00 and more | 2.03% | 2.05% |
IRA Certificate of Deposit Rates
| Minimum Deposit | Term | Dividends Compounded | Balance Method | Dividends Paid | APY1 |
|---|---|---|---|---|---|
| $1,000 | 1 year | Quarterly | Daily | Quarterly | 3.400% |
| $1,000 | 18 Months | Quarterly | Daily | Quarterly | 3.350% |
| $1,000 | 2 years | Quarterly | Daily | Quarterly | 3.350% |
| $1,000 | 30 Months | Quarterly | Daily | Quarterly | 3.350% |
| $1,000 | 3 years | Quarterly | Daily | Quarterly | 3.350% |
| $1,000 | 4 years | Quarterly | Daily | Quarterly | 3.400% |
| $1,000 | 5 years | Quarterly | Daily | Quarterly | 3.450% |
| Minimum Deposit | Term | Dividends Compounded | Balance Method | Dividends Paid | APY1 |
| $50,000 | 1 year | Quarterly | Daily | Quarterly | 3.550% |
| $50,000 | 18 Months | Quarterly | Daily | Quarterly | 3.500% |
| $50,000 | 2 years | Quarterly | Daily | Quarterly | 3.500% |
| $50,000 | 30 Months | Quarterly | Daily | Quarterly | 3.500% |
| $50,000 | 3 years | Quarterly | Daily | Quarterly | 3.500% |
| $50,000 | 4 years | Quarterly | Daily | Quarterly | 3.550% |
| $50,000 | 5 years | Quarterly | Daily | Quarterly | 3.600% |
| Minimum Deposit | Term | Dividends Compounded | Balance Method | Dividends Paid | APY1 |
| $100,000 | 1 year | Quarterly | Daily | Quarterly | 3.600% |
| $100,000 | 18 Months | Quarterly | Daily | Quarterly | 3.550% |
| $100,000 | 2 years | Quarterly | Daily | Quarterly | 3.550% |
| $100,000 | 30 Months | Quarterly | Daily | Quarterly | 3.550% |
| $100,000 | 3 years | Quarterly | Daily | Quarterly | 3.550% |
| $100,000 | 4 years | Quarterly | Daily | Quarterly | 3.600% |
| $100,000 | 5 years | Quarterly | Daily | Quarterly | 3.650% |
1APY = Annual Percentage Yield. All certificates will be automatically renewed at maturity at the rate of interest in effect on the renewal date for successive periods equal to the original term unless the certificate is presented for payment on or within 10 days after the maturity date. A penalty will be imposed for withdrawal of funds before the original maturity date, or any successive maturity date of a certificate.
* If the original or subsequent term of the certificate is 91 days or less; all dividends will be forfeited.
* If the original or subsequent term of the certificate is greater than 91 days, but 12 months or less; the lesser of an amount equal to 90 days dividends or all dividends already paid will be forfeited.
* If the original or subsequent term of the certificate is greater than 12 months (but less than 48 months); the lesser of an amount equal to 182 days dividends, or all dividends already paid will be forfeited.
* If the original or subsequent term of the CD is 48 months or greater, the lessor of an amount equal to 365 days dividends, or all dividends already paid will be forfeited.