Best Auto Loans & Business Banking | Alliance O Fallon MO Credit Union

Introduction

Welcome to Alliance at our O'Fallon Branch, located at 1051 Highway K, O'Fallon, MO 63366. Since our establishment in 1948, we have proudly served our community with a commitment to providing reliable financial services that truly make a difference in the lives of our members. With over 21,912 members trusting us with their financial needs, we understand the importance of fostering lasting relationships built on trust and support. At Alliance, we take pride in our robust financial health, boasting total assets of $377,369,631 and total deposits amounting to $4,086,555. Our net worth stands strong at $43,517,340, reflecting our dedication to responsible management and growth. We also have a solid cash reserve of $3,846,734, ensuring that we are well-positioned to meet your needs promptly and effectively. Our leadership team is committed to guiding Alliance toward continued success. Under the guidance of our CEO, Timothy Stephens, and Board President, Ben Hegvik, we strive for excellence in every service we provide. Whether you're looking for personal banking solutions such as checking and savings accounts or loans tailored for your specific needs including auto loans and mortgages we're here to help you every step of the way. While members can visit us at 1051 Highway K, official correspondence should be sent to the same address. Our dedicated staff of 75 employees is ready to assist you during our office hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturdays from 9:00 AM to noon. Join us today at Alliance! Feel free to reach out by calling us at 636-343-7005 or explore our offerings online at alliancecu.com. Your financial journey starts here!

Branch History & Mission

Community Impact

We take pride in being deeply rooted within O'Fallon and its surrounding areas. Our outreach efforts include partnerships with local organizations and participation in community events aimed at enhancing the quality of life for residents. These initiatives reflect our dedication not only to providing financial products but also contributing positively to society. While members can visit us at 1051 Highway K, official correspondence should be sent to 1051 Highway K, O'Fallon, MO 63366 if needed. Feel free to reach out via phone at 636-343-7005 during our operating hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturdays from 9:00 AM to noon.

Join Us

As we look toward the future, we invite you to become part of the Alliance family. Experience firsthand how we can help you achieve your financial goals while being part of a supportive community network. Together, let's build a brighter tomorrow! Visit us today or explore more about us online at Alliance Credit Union.

Mission Statement

At Alliance, our mission is simple yet profound: to empower our members with financial services that foster growth and stability while actively supporting our community. We believe that when our members thrive, so does our community. This commitment drives us to provide personalized banking solutions tailored to meet diverse needs whether it's through checking accounts, vehicle financing options, or credit card rewards programs. Our focus on innovation ensures that we are always improving our services. We proudly offer online and mobile banking options for convenience and accessibility. Plus, with ADA compliance at the forefront of our operations, we strive to create an inclusive environment for all.

Our Journey

From the beginning, Alliance has been more than just a financial institution; it's a place where community members come together. Initially founded to serve the local needs of O'Fallon, we have evolved over the decades to offer a wide range of services including personal banking, auto loans, mortgages, and business banking solutions. Our branch is conveniently located at 1051 Highway K, easily accessible for all residents. Whether you're stopping by for a quick transaction or seeking advice on your financial future, you'll find our welcoming atmosphere and knowledgeable staff ready to assist you.

Branch Location & Accessibility

Welcome to the Alliance O'Fallon Branch, your friendly neighborhood credit union located at 1051 Highway K, O'Fallon, MO 63366. We're conveniently situated near popular local spots, making it easy for you to stop by while you're out and about. Whether you're shopping at nearby retailers or visiting the beautiful parks in our area, we're just a quick drive away! At the Alliance O'Fallon Branch, we prioritize accessibility for all our members. Our branch is ADA compliant, with features like ramps and ample parking to ensure a smooth visit. Plus, we offer convenient drive-thru banking services for those who prefer to handle their transactions from the comfort of their vehicle. We understand that life can be busy, which is why our operating hours are designed with your schedule in mind. Our office is open Monday through Friday from 9:00 AM to 5:30 PM and on Saturdays from 9:00 AM to noon. For those using our drive-thru service, you can visit us Monday through Friday from 8:30 AM to 5:30 PM and on Saturdays from 8:30 AM to 12:30 PM. Need cash? No problem! We also provide ATM services for quick access to your funds without any hassle. If you have any questions or need assistance, don't hesitate to give us a call at 636-343-7005. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to the same address listed above. We invite you to experience our personal banking services, including checking and savings accounts, auto loans, mortgage loans, and much more. Stop by today or call us we're here to help you every step of the way!

Member Eligibility

Becoming a member of Alliance means joining a welcoming community dedicated to your financial well-being. At our branch, located at 1051 Highway K O Fallon Mo 63366, we embrace individuals from all walks of life. Whether you're a resident in the area or work nearby, you can easily qualify for membership. We value inclusivity and support, so if you share our values and are ready to take charge of your financial future, you're already on the right path! To learn more about specific eligibility criteria and ensure you're ready to join us, feel free to check out our detailed information [here](). Opening an account is simple and convenient; you can get started by visiting us online at this link or calling us directly at (636) 343-7005. We look forward to welcoming you into the Alliance family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that make daily transactions easier. Picture this: your customers can pay using their preferred methods while you manage your finances effortlessly. Our services streamline payment processes so you can focus on what really matters growing your business. Located at 1051 Highway K O Fallon Mo 63366 in O Fallon, MO, we're here to partner with you every step of the way. Contact us today at (636) 343-7005 to learn more about how we can support your business's financial journey!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $188 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $22,498,414, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, Alliance offers specialized services like merchant services and business loans. We understand that running a business comes with its challenges, so we strive to provide solutions that help you thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize technology in our services. With our online and mobile banking, you can manage your finances anytime, anywhere. Whether it's checking balances, transferring funds, or paying bills, we've made banking accessible at your fingertips. Plus, our ATM services allow for easy cash withdrawals and balance checks whenever you need them.

Drive-Thru & In-Person Services

For those who prefer face-to-face interaction or need quick service on the go, our basic drive-thru banking offers deposits, withdrawals, and simple transactions without leaving your car. Our friendly staff is always ready to assist you during office hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to noon. At Alliance, we are dedicated to meeting the financial needs of every member in our community. Whether you're looking for personal or business services, we have something for everyone. Ready to learn more about how we can support your financial journey? Feel free to reach out at (636) 343-7005, or visit us at O'fallon Branch online!

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that help you manage your finances efficiently. Whether you're saving for a vacation or day-to-day expenses, our accounts come with features that make it easy to track your money. If you're in the market for a new car, consider our auto loans and vehicle financing options. We make the loan process straightforward, allowing you to get behind the wheel without the stress. Looking to buy a home? Our mortgage loans and refinancing options can guide you through purchasing your dream house or reducing your current mortgage payments. Additionally, if you find yourself facing unexpected expenses, our personal loans and debt consolidation services are tailored to provide financial relief when you need it most. Don't forget about our credit cards with rewards perfect for those who want to earn points on everyday purchases. With various options available, we can help find the right card that fits your lifestyle.

Digital & Online Banking

Security Matters

Your security is paramount at Alliance. Our online banking services incorporate advanced security measures to keep your information safe while giving you peace of mind. Enjoy the freedom of real-time account management without compromising on safety. In short, whether you're checking balances, transferring money, or managing payments, our digital and online banking services at Alliance are here to enhance your financial experience. Join us today and discover how easy managing your finances can be!

User-Friendly Features

We also offer a dedicated mobile application, making it even simpler for you to manage your accounts. Whether you're checking e-statements or authorizing electronic signatures for transactions, everything is designed with user-friendliness in mind. You can confidently handle your banking needs without worrying about complex processes. If you're looking to send money to friends or family, our person-to-person transfer option makes it quick and hassle-free. Plus, with 24/7 online banking services available, you'll never be left waiting to access your funds or manage your accounts.

Financial Strength

A Growing Community

We serve a strong member base with a total of 40,909 share accounts. This reflects the trust our community has placed in us as their financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Alliance is your trusted partner. Visit us at 1051 Highway K O Fallon Mo 63366 or call (636) 343-7005 to learn more about how we can help you achieve your financial goals.

Investment in Growth

With $36,808,466 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to growth is reflected in our lending capacity; we have $87,138 in used auto loans and $336,835,282 in total loans and leases available to support your financial ambitions.

Member-Focused Savings

Members' savings are secured through $68,042,014 in share certificates and $65,881,161 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,967,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 73 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Capital Foundation

With a net worth of $43,517,340, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,149 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 $54,260,277 in used vehicle loans and $17,717,574 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your vehicle straightforward and stress-free.

Business Financing

For business owners, our outstanding commercial loans totaling $22,498,414 provide the capital needed to grow and expand your business. We're committed to helping local businesses thrive by offering tailored solutions that fit their unique needs. Additionally, if you're considering refinancing options or checking eligibility for any of our loan products, feel free to reach out to us for more information. At Alliance, we strive to provide our members with clear choices and excellent service. Whether you're looking for an auto loan or a mortgage option, we're here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us today or check out our website at alliancecu.com for more details on how we can help meet your lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $17,148,217, making buying or refinancing simple. We understand that home financing can be overwhelming; that's why our team is here to guide you through each step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses or unexpected bills? We also offer flexible terms on unsecured credit card loans, with a total of $341,922 in loans helping members manage their finances effectively. Enjoy the freedom and convenience that comes with having access to credit when you need it.

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ALLIANCE CREDIT UNION