Scott Credit Union

Membership of Scott Credit Union is open to anyone living or working in Bond, Clinton, Effingham, Fayette, Franklin, Jackson, Jefferson, Macoupin, Madison, Marion, Monroe, Montgomery, Perry, Randolph, St. Clair, Washington, and Williamson, counties in Illinois.


Active or retired military and civilian employees, and authorized personnel of Scott Air Force Base are also eligible, as too employees of the Simmons Law Firm, the Smurfit-Stone Corporation, Graphics Packaging in Pacific, MO and employees and members of Sam’s Club of O-Fallon, Illinois. Membership is also available to the members’ immediate family, including foster and adopted children. Membership is by way of a 5$ deposit in a share account.

Home Banking

Scott Credit Union (SCU) offers two types of checking account, both with no service fees and a free debit card. With the Extreme Checking account, customers can earn interest, at a rate of 3.05% on balance up to $25, 000 and will not pay ATM charges anywhere across the USA. The Extreme Checking account requires no minimum balance, and there are no monthly fees. A Regular Checking account does not earn interest, and only SCU ATM transactions are free. The extra benefits come with the Scott Credit Union online banking services; 24 hour access; bill payment; transfer money between accounts; a financial software package for tracking and budgeting purposes; and the last six months statements and images of checks available to view. This is linked to mobile banking, enabling account checking from one’s mobile phone. To help you keep track of the account, SCU has a system of E-alerts, which can be sent by text, or by e mail, telling you when a large transaction has occurred on your account, money has been deposited, or your account balance falls below a certain amount.

Credit cards and other services

If you want to build a credit history from scratch or need to rebuild an unfavorable one, Scott Credit Union offers the MasterCard Platinum Secured credit card. SCU also offers a Visa Platinum credit card at APR 6.9% for the first six months, and 8.9% thereafter and Platinum Preferred cards, with a higher limit and a rewards program, at 8.9% APR for the first six months and 10.9% thereafter. The rate for the MasterCard Platinum Secured card will vary according to the applicant’s credit rating. Any applications for credit will be checked against credit agencies, and SCU offer a linked service for potential clients to check their credit score for free. Scott Credit Union also has a CU Vacation service that offers members significant reductions on holidays, car rental and hotel rates.


Source: Credit Cards For People With Bad Credit Rating

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