Credit union · NCUA insured
Scott Credit Union CD Rates
Top CarrotScott Credit Union’s best CD rate is 3.65% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Scott Credit Union’s CD rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Scott Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Scott Credit Union
3.45%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,848
Share Certificate
Top rate
De Soto Mo Pac Credit Union
5.09%APY
- Term
- 12 months
- Minimum
- $5,000
- Earns on $10,000
- $509
2nd-highest rate
Paramount Bank
5.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $457
Scott Credit Union CD score
75
CD score
Higher than 39% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Scott Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 3.65%APY · 8 terms
Dividends compounded daily and paid monthly for 6-month terms, and quarterly for terms 1 year and longer. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compounded monthly, balance method daily, paid monthly | 3.35% | $166 |
| 12 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.40% | $340 |
| 18 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $507 |
| 24 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $681 |
| 30 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $859 |
| 36 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $1,039 |
| 48 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.40% | $1,431 |
| 60 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.45% | $1,848 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.65%APY · 7 terms
Dividends compounded quarterly, balance method daily, paid quarterly. Automatic renewal at maturity unless presented for payment within 10 days. Early withdrawal penalty applies: terms 91 days or less forfeit all dividends; terms >91 days up to 12 months forfeit lesser of 90 days dividends or all dividends paid; terms >12 months up to <48 months forfeit lesser of 182 days dividends or all dividends paid; terms 48 months or greater forfeit lesser of 365 days dividends or all dividends paid.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.40% | $340 |
| 18 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $507 |
| 24 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $681 |
| 30 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $859 |
| 36 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.35% | $1,039 |
| 48 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.40% | $1,431 |
| 60 monthsDividends compounded quarterly, balance method daily, paid quarterly | 3.45% | $1,848 |
Who can join Scott Credit Union
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.
Membership information collected October 5, 2026.