Scott Credit Union Wood River IL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Scott Credit Union's Wood River Branch, where our commitment to community and financial wellness shines brightly! Located at 570 Wesley Dr, Wood River, IL 62095, we have been proudly serving our members since 1943. With a robust membership of 143,922 individuals and total assets exceeding $1.7 billion, we are dedicated to providing reliable financial solutions tailored to meet the needs of our community. At Scott Credit Union, we understand that banking is more than just numbers; it's about building relationships and supporting your financial journey. We offer a wide range of services including personal banking, auto loans, mortgage options, and business financing all designed with your success in mind. Our total deposits stand at an impressive $270,795,505, reflecting the trust our members place in us. Under the leadership of CEO Frank Padak and Board President Lawrence Haffner, our team of 342 employees is here to ensure you receive top-notch service every time you walk through our doors or connect with us online. While members can visit us at 570 Wesley Dr, official correspondence should be sent to the same address as our mailing address: 570 Wesley Dr, Wood River, IL 62095-1972. We invite you to explore everything we have to offer. Whether you're looking for assistance with loans or seeking advice on managing your finances, we're here for you. Feel free to reach out by calling us at 800-888-4728 or visiting our website at scu.org. Join us today and experience how Scott Credit Union can make a difference in your financial life!

Branch History & Mission

Join Us!

We invite you to experience the benefits of being part of Scott. With convenient operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM we are here when you need us most. For assistance or inquiries, feel free to reach out at 800-888-4728. Discover what it means to be part of a credit union that truly cares about its members and their financial well-being. Visit us today at Scott!

Our Journey

From humble beginnings, Scott has expanded its services and footprint. Located at 570 Wesley Dr, Wood River, IL 62095, our branch is easily accessible for all your banking needs. Whether you are visiting us during lobby hours or using our convenient drive-thru service, we aim to make your experience as smooth as possible. If you need to send official correspondence, please use our mailing address: 570 Wesley Dr, Wood River, IL 62095-1972. As we moved through the years, we embraced technology while maintaining our commitment to personal service. Today, we offer online banking options and mobile payments to make managing your finances easier than ever. We are proud to be ADA compliant and prioritize accessibility for all members of our community.

Our Mission

At Scott, our mission is simple yet impactful: to empower our members through quality financial services while actively giving back to the community we serve. We believe that when our members thrive, so does our entire community. This principle guides us in everything we do whether providing auto loans and mortgages or supporting local initiatives. We also recognize the importance of partnerships within our community. By collaborating with local organizations and participating in outreach efforts, we strive to foster a sense of belonging and support among all residents.

Branch Location & Accessibility

Connect With Us

We encourage you to stop by or give us a call at 800-888-4728 if you have any questions or need assistance. Our friendly staff is here to help you navigate your financial journey with ease. Come see why so many people in Wood River trust Scott Credit Union!

Convenient Access

We understand how important accessibility is for our members. Our branch is equipped with features that ensure everyone can easily access our services. You'll find ample parking available right outside, along with ramps for those who need them. Whether you're walking in or driving through, we've designed our space to be welcoming and accommodating.

Operating Hours

At Scott Credit Union, we want to be there when you need us most. Our lobby hours are designed for your convenience: we're open Monday, Tuesday, Thursday, and Friday from 9 AM to 6 PM, and on Wednesday from 10 AM to 6 PM. For those busy Saturdays, our drive-thru service is available from 9 AM until 1 PM. So whether you prefer stopping by during the week or swinging through on a Saturday morning, we've got you covered!

Services Offered

In addition to traditional banking services like checking and savings accounts, we offer a variety of personal and business loans tailored to meet your needs. Need cash quickly? Our ATM is available on-site for quick withdrawals and balance checks. If you're in a hurry but still want to take care of banking tasks like deposits or simple transactions, our drive-thru service makes it convenient. While members can visit us at 570 Wesley Dr for all their banking needs, if you need to send official correspondence, please use our mailing address: 570 Wesley Dr, Wood River, IL 62095-1972.

Member Eligibility

At Scott, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're looking to become part of our family, the process is straightforward and welcoming. We invite anyone who lives, works, worships, or attends school in the areas we serve to join us. Whether you're just starting out on your financial journey or looking for better options, our membership offers you access to a range of services designed with your needs in mind. To learn more about eligibility and see if you qualify, please visit our detailed resource at https://www.scu.org/membership/. Once you're ready to open an account, you can easily do so through our online application here: https://app.loanspq.com/apply.aspx?lenderref=scottcu072120&noencrypt=&list=sastcchexaplvlcb. If you have any questions or need assistance along the way, feel free to reach out to us at (800) 888-4728. We look forward to welcoming you to Scott, located at 570 Wesley Dr Wood River Il 62095, where your financial goals become our mission!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $62 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $15,134,267, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to streamline your payment processes. Picture this: a busy Saturday at your shop, and your customers can easily pay with their credit cards or mobile wallets, thanks to our reliable payment processing solutions. This convenience not only enhances customer satisfaction but also helps you manage transactions efficiently. Visit us at 570 Wesley Dr, Wood River, IL 62095 or call us at 800-888-4728 to learn more about how our business banking and commercial services can support your success!

Comprehensive List Of Services

Business Banking Support

If you're a business owner, we've got you covered with our business banking services, including merchant services and business loans. We understand the challenges of running a business, which is why we provide tools and resources to help you thrive.

Credit Solutions that Reward You

At Scott, we believe in rewarding loyalty. Our credit cards with rewards allow members to earn points on everyday purchases, turning spending into savings. Whether it's for travel, dining, or shopping, our credit card options add value back into your wallet.

Drive-Thru & ATM Services

Need quick access? Our basic drive-thru banking allows for deposits, withdrawals, and simple transactions without leaving your car. And don't forget about our ATMs available around the clock for all your cash needs. At Scott, we strive to make banking straightforward and accommodating for everyone in Wood River. For more information about our services or to speak with one of our friendly representatives, feel free to reach out at 800-888-4728 or visit us at 570 Wesley Dr., Wood River, IL 62095. Ready to take control of your finances? Join us today! Visit our website or check out how easy it is to open an account with Scott.

Embracing Digital Banking

In today's fast-paced world, convenience is key. That's why we emphasize online and mobile banking, giving you the freedom to manage your accounts anytime and anywhere. With features like ATM access for cash withdrawals and balance checks available at your fingertips, banking has never been more accessible.

Personal Banking Made Easy

For individuals seeking everyday banking solutions, we offer checking and savings accounts that cater to different lifestyles and financial goals. Imagine having a checking account that allows you to manage your day-to-day expenses effortlessly while also building savings for future plans. Our auto loans and vehicle financing options make it simple to drive away in the car you've always wanted, with competitive rates that fit your budget. When it comes to home ownership, our mortgage loans and refinancing services provide flexible options tailored to your unique situation. Picture securing a comfortable home without the stress of overwhelming payments. Plus, if you're juggling multiple debts, our personal loans and debt consolidation services can help simplify your finances by combining them into one manageable payment.

Digital & Online Banking

Key Features for Your Convenience

Our online banking platform allows you to keep track of your accounts in real-time. You can easily view balances, transfer funds, and pay bills without stepping foot inside a branch. Plus, with electronic statements available, you can say goodbye to paper clutter and access your financial documents whenever you need them. If you're on the move, our mobile application is here to help. It comes equipped with features like mobile payments and person-to-person transfers, making it simple to send money to friends or family with just a few taps on your phone. And yes, we also support electronic signature authorization so you can complete transactions securely and conveniently without needing to print anything out.

Security You Can Trust

Security is our top priority at Scott. Our online banking system uses advanced encryption technology to protect your personal information. You can have peace of mind knowing that your data is safe while you manage your finances digitally. Whether you're making payments, checking statements, or transferring money, every interaction is designed with security and ease-of-use in mind. We aim to provide an experience that feels as comfortable as banking in person just faster and more convenient! In a world where convenience is key, let Scott be your trusted partner for all things digital banking. Join us today and discover how easy managing your finances can be!

Financial Strength

Building Trust Through Community Engagement

Total Share Accounts: 263,424, show a strong and growing member base that trusts us with their finances. This growth is not just about numbers; it signifies the trust placed by you our valued members in our commitment to your financial well-being. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Scott is your trusted partner. Visit us at 570 Wesley Dr Wood River IL 62095 or call 800-888-4728 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $155,172,338 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $52,597 in used auto loans and a total of $1,162,972,875 in loans and leases.

Member-Centric Savings Options

Members' savings are secured through $342,757,828 in share certificates and $146,114,532 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $7,743,293 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 341 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Strong Financial Position

With a net worth of $168,213,711, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 978 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $426,233,995 in used vehicle loans and $150,769,463 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our financing solutions make it easy to drive away satisfied.

Business Loans

For business owners, our outstanding commercial loans totaling $15,134,267 provide the capital needed to grow and expand. We understand that every business is unique, so we work closely with you to create financing solutions that align with your objectives. If you're considering refinancing any existing loans or would like to know more about eligibility options for our products, please don't hesitate to reach out. You can contact us at (800) 888-4728 or visit us at 570 Wesley Dr Wood River Il 62095, located in beautiful Wood River, IL. We're here to help you navigate your financial journey efficiently. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let's work together toward your financial success!

Credit Lines and Unsecured Credit Cards

For those who want flexibility in managing expenses, we provide total credit lines of $458,418,723. Additionally, we also offer flexible terms on unsecured credit card loans, with a total of $40,814,381 in loans helping members manage their finances effectively. This means you can cover unexpected costs while enjoying competitive interest rates.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $62,549,849, make buying or refinancing simple. We guide you through the process every step of the way to ensure you find a solution that suits your needs.

Loan Aggregator

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This guarantees that the offers presented are not only accurate but also fair and transparent. Each lender's information is verified, ensuring that users can trust the data they see when making their borrowing decisions.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can be confident that they are viewing genuine offers. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality helps users make informed choices without being swayed by advertising tactics. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions allow users to compare options efficiently. By seeing current rates side-by-side, borrowers can find the best fit for their financial situation. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effective the platform can be in helping individuals secure better loan deals. To start your journey toward finding the right loan for your needs, compare real-time loan offers today at LendMesh. --- Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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