Credit union · NCUA insured
Scott Credit Union Savings Rates
Top CarrotScott Credit Union’s best savings rate is 1.95% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Scott Credit Union’s savings 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
1.95%APY
- Requires
- None
- Earns on $10,000 a year
- $195
Money Market Account
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
Citizens Bank
4.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $450
Scott Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0001.80%
- $10,000 balance$10,0001.95%
- $100,000 balance$100,0002.05%
- QualifiedQualified1.95%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
1.95%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 1.80% | — |
| $2,500 – $10,000 | 1.95% | — |
| $10,000 – $25,000 | 1.95% | $195 |
| $25,000 – $50,000 | 2.00% | — |
| $50,000 and up | 2.05% | — |
Share Savings
0.35%APY
Open with $5 deposit (membership share). No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are paid on Share Savings accounts with balances of $100 or more.$100 and up | 0.35% | $35 | Dividends are paid on Share Savings accounts with balances of $100 or more. |
Special-purpose accounts
IRA Share Account
0.45%APY
Traditional, Roth, and Education Savings IRA options available. No minimum deposit and no monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000Dividends are paid on Shares with balances of $100 or more. | 0.35% | — | Dividends are paid on Shares with balances of $100 or more. |
| $10,000 – $25,000Dividends are paid on Shares with balances of $100 or more. | 0.45% | $45 | Dividends are paid on Shares with balances of $100 or more. |
| $25,000 – $50,000Dividends are paid on Shares with balances of $100 or more. | 0.60% | — | Dividends are paid on Shares with balances of $100 or more. |
| $50,000 and upDividends are paid on Shares with balances of $100 or more. | 0.75% | — | Dividends are paid on Shares with balances of $100 or more. |
Kidz Club Share Account
0.35%APY
For ages 12 and under. $5.00 minimum balance, no monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Dividends paid on balances of $100 or more. Higher rate applies on the first $1,000. | 0.45% | — | Dividends paid on balances of $100 or more. Higher rate applies on the first $1,000. |
| $1,000 and upMinor Share accounts earn the same APY as regular shares on balances over $1,000. | 0.35% | $35 | Minor Share accounts earn the same APY as regular shares on balances over $1,000. |
Teen Share Account
0.35%APY
For ages 13 to 17. $5.00 minimum balance, no monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,000Dividends paid on balances of $100 or more. Higher rate applies on the first $1,000. | 0.45% | — | Dividends paid on balances of $100 or more. Higher rate applies on the first $1,000. |
| $1,000 and upMinor Share accounts earn the same APY as regular shares on balances over $1,000. | 0.35% | $35 | Minor Share accounts earn the same APY as regular shares on balances over $1,000. |
Holiday Club
0.35%APY
No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends are paid on Holiday Club Share accounts with balances of $100 or more.$100 and up | 0.35% | $35 | Dividends are paid on Holiday Club Share accounts with balances of $100 or more. |
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.