Credit union · NCUA insured
Scott Credit Union
Top CarrotA $1.8B credit union, the 275th largest of 4,329, headquartered in Edwardsville, IL, with 131,552 members and 23 branches in 2 states. Best rates: CDs 3.65% and savings 1.95% APY.
Scott Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#11 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Scott Credit Union
Founded in 1943, Scott Credit Union is a member-owned, not-for-profit financial cooperative serving 32 counties across Illinois and Missouri.
Headquartered in Edwardsville, Illinois, it originated when civil service employees formed Scott Field Civilian Employees' Credit Union, later renaming to Scott Credit Union in 1957.
- Headquarters
- 101 Credit Union Way, Edwardsville, IL 62025
- NCUA charter
- 66370
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone 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.
- Eligibility is open to anyone living or working in St. Charles County, St. Louis County, or St. Louis City in Missouri.
Employers and groups
- Eligibility is open to employees, retirees, members, or affiliates of numerous listed select employer groups, municipal governments, associations, and predecessor credit unions.
Military, government and schools
- Eligibility is open to active or retired military of Scott AFB, including reserve components, civilian employees, retired civilian employees, and Scott AFB authorized personnel.
- Eligibility is open to members or affiliates of specified educational and religious organizations including Brother Rice High School, School District 125/143/145, St. Xavier University, and listed parishes/schools.
Family and household
- Eligibility is open to individuals with immediate family members living or working in the designated 32 counties/areas in Illinois and Missouri.
1 more way to join
Family and household
- Eligibility is open to members' immediate family, including any relative by blood or marriage or foster and adopted children.
Cost to join
- Membership requires an initial savings account share deposit/minimum balance of $5.00 and has no membership fee.
Branches
23 branches in 2 states
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Illinois
18 branches
St. Louis area · 17
- Home OfficeMain office101 Credit Union Way, Edwardsville, IL 62025Directions
- East Belleville Branch2020 N Belt E, Belleville, IL 62221Directions
- West Belleville Branch4807 W Main St, Belleville, IL 62226Directions
- Breese Branch301 N 4th St, Breese, IL 62230Directions
- Collinsville Branch1100 Belt Line Rd, Collinsville, IL 62234Directions
- Columbia Branch1000 Eleven S Ste 1A, Columbia, IL 62236Directions
- Edwardsville Branch1067 S State Route 157, Edwardsville, IL 62025Directions
- Fairview Heights Branch555 Lincoln Hwy, Fairview Heights, IL 62208Directions
- Highland Branch12455 State Route 143, Highland, IL 62249Directions
- Lebanon Branch107 E Schuetz St, Lebanon, IL 62254Directions
- Mascoutah Branch1248 W Main St, Mascoutah, IL 62258Directions
- OFallon Branch712 E Highway 50, O'Fallon, IL 62269Directions
- Scott AFB Branch302 W Winters St, Scott Air Force Base, IL 62225Directions
- Trenton Branch28 W Broadway, Trenton, IL 62293Directions
- Troy Branch501 Edwardsville Rd, Troy, IL 62294Directions
- Waterloo Branch1019 N Illinois Route 3, Waterloo, IL 62298Directions
- Wood River Branch570 Wesley Dr, Wood River, IL 62095Directions
Chicago area · 1
- Evergreen Park Branch9059 S Kedzie Ave, Evergreen Park, IL 60805Directions
Missouri
5 branches
- Affton Branch9100 Gravois Rd, Affton, MO 63123Directions
- Ball Park Village Branch6 Cardinal Way Ste 130, St. Louis, MO 63102Directions
- Crestwood Branch9792 Watson Rd, St. Louis, MO 63126Directions
- Ferguson Branch10797 New Halls Ferry Rd, St. Louis, MO 63136Directions
- Ladue Branch8866 Ladue Rd, St. Louis, MO 63124Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.14% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.54% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.15% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $78 | $88 | — |
- CapitalNet worth ratio10.14%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.54%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.15%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$78Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Scott Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.