# Scott Credit Union CD and share certificate rates

As of October 22, 2026, Scott Credit Union's highest tracked CD (share certificate) rate is 3.65% APY on a 60-month CD ($100,000 minimum). That is 2.6 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 3.35% to 3.65% APY.

Canonical page: https://apyledger.com/cd-rates/scott-credit-union
Institution: Scott Credit Union (NCUA 66370)
Aliases: 
Status: live
Last verified: 2026-10-23T01:50:59.000Z (October 22, 2026)
Official source: https://www.scu.org/rates/
Coverage: Membership required. Personal share certificates from 6 months to 5 years with $1,000, $50,000 and $100,000 balance tiers. Minor certificates can open with $500 under the source terms. IRA certificates are excluded. Early withdrawal penalties apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Share Certificate | standard | 6 months | $100,000 | 3.55% | Not ZIP-priced | −0.85% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 6 months | $50,000 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 6 months | $1,000 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 12 months | $100,000 | 3.60% | Not ZIP-priced | −0.97% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 12 months | $50,000 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 12 months | $1,000 | 3.40% | Not ZIP-priced | −1.17% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 18 months | $100,000 | 3.55% | Not ZIP-priced | −1.17% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 18 months | $50,000 | 3.50% | Not ZIP-priced | −1.22% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 18 months | $1,000 | 3.35% | Not ZIP-priced | −1.37% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 24 months | $100,000 | 3.55% | Not ZIP-priced | −1.32% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 24 months | $50,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 24 months | $1,000 | 3.35% | Not ZIP-priced | −1.52% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 30 months | $100,000 | 3.55% | Not ZIP-priced | −1.36% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 30 months | $50,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 30 months | $1,000 | 3.35% | Not ZIP-priced | −1.56% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 36 months | $100,000 | 3.55% | Not ZIP-priced | −1.40% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 36 months | $50,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 36 months | $1,000 | 3.35% | Not ZIP-priced | −1.60% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 48 months | $100,000 | 3.60% | Not ZIP-priced | −1.38% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 48 months | $50,000 | 3.55% | Not ZIP-priced | −1.43% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 48 months | $1,000 | 3.40% | Not ZIP-priced | −1.58% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 60 months | $100,000 | 3.65% | Not ZIP-priced | −1.36% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 60 months | $50,000 | 3.60% | Not ZIP-priced | −1.41% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |
| Share Certificate | standard | 60 months | $1,000 | 3.45% | Not ZIP-priced | −1.56% | 2026-10-23T01:50:59.000Z | [Snapshot 756](https://apyledger.com/snapshots/756) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.