Community First Hannibal MO Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Community First, your trusted financial partner located at 6460 Interstate Ct, Hannibal, MO 63401. Since our establishment in 1952, we have proudly served our members and community with a commitment to providing exceptional banking services. With a robust membership of 1,088 and total assets reaching $8,223,705, we understand the importance of strong financial support in your life. At Community First, we believe in the power of community. Our dedicated team of 5 employees, led by CEO Nathan Hathaway and Board President Michael Baxter, is here to assist you with a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. We maintain a net worth of $842,476 and cash reserves of $99,471, ensuring that we are always ready to meet your financial needs. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same location: 6460 Interstate Ct, Hannibal, MO 63401. Our doors are open Monday through Friday from 8:30 AM to 4:30 PM, and we invite you to stop by or give us a call at 573-248-2569. Whether you're looking to open an account or need assistance with existing services, our friendly staff is eager to help you achieve your financial goals. Explore how Community First can make a difference in your life today! For more information about our offerings, visit us online at Community First.

Branch History & Mission

Commitment to Innovation

As times change, so do we. Our commitment to digital banking solutions ensures that members can manage their finances conveniently online or via mobile banking. Though we currently do not offer ATM services or drive-thru banking at this branch, we're always looking for ways to enhance member experience while maintaining ADA compliance.

Join Us

We invite you to become part of the Community First family. Experience firsthand how we prioritize your needs while contributing positively to the community we love. Whether you're looking for a checking account or seeking advice on loans and financing options, we're here for you every step of the way. Feel free to reach out by calling us at 573-248-2569 or visiting our website at Community First. Together, let's build a brighter financial future!

Our Journey

Located at 6460 Interstate Ct, Hannibal, MO 63401, Community First began as a small financial cooperative aimed at helping local families achieve their financial goals. Over the years, we have grown significantly, now serving over 1,000 members and managing total assets of $8,223,705. This journey reflects not only our growth but also the trust placed in us by our members. Our headquarters in Hannibal serves as a hub for innovation and community engagement. We pride ourselves on being accessible and approachable, offering a range of services including personal banking, auto loans, mortgages, and business banking solutions. With operating hours from Monday to Friday, 8:30 AM to 4:30 PM, we ensure that our members can easily access support when they need it most.

Our Mission

At Community First, our mission is simple yet impactful: to put our members first in all we do. We believe that everyone deserves financial opportunities tailored to their unique needs. Whether it's providing low-interest loans or offering personalized financial advice, we strive to empower our members on their financial journeys. We understand the importance of community support. That's why we actively engage in outreach efforts and partnerships that benefit local initiatives. From sponsoring local events to collaborating with schools and non-profits, we aim to make a positive difference right here in Hannibal. While members can visit us at our main office location for all their banking needs, official correspondence should be sent to the same address: 6460 Interstate Ct., Hannibal, MO 63401.

Branch Location & Accessibility

Welcome to Community First! Conveniently located at 6460 Interstate Ct in Hannibal, Missouri, our branch is easy to access and ready to serve you. Whether you're a long-time member or new to our community, we strive to make your banking experience as smooth as possible. Nestled in Marion County, our branch is just a short drive from popular local spots, making it a convenient stop for your banking needs. We are proud to offer ADA-compliant facilities, ensuring everyone can easily navigate our space. Parking is readily available right outside the entrance, so you can hop in and out without hassle. Our friendly team is here to assist you during our operating hours from Monday to Friday, 8:30 AM to 4:30 PM. Have a quick question? Feel free to give us a call at 573-248-2569. While you visit us at 6460 Interstate Ct, official correspondence should be sent to the same address since it's also our mailing address. Though we currently do not have ATM services or drive-thru banking available at this location, we are dedicated to providing personal service tailored to your needs. Our offerings include personal banking like checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. You can also enjoy the convenience of online and mobile banking. We invite you to stop by and discover how Community First can support your financial journey. Your satisfaction is our priority!

Member Eligibility

Becoming a member of Community First means joining a warm and welcoming community that truly values you. If you're interested in becoming part of our family, we're happy to share that membership is open to anyone who lives, works, worships, or attends school in our service area. This inclusive approach ensures that everyone can benefit from our personalized financial services tailored just for you. At Community First, members enjoy access to great products like checking and savings accounts, auto loans, and mortgages all designed with your needs in mind. To get started on your journey with us, simply visit us at 6460 Interstate Ct Hannibal Mo 63401 or give us a call at (573) 248-2569. We're here to help you every step of the way! For more detailed eligibility requirements, feel free to check out this resource. We can't wait to welcome you into the Community First community!

Business Banking & Commercial Services

Loan Options That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we're ready to partner with you when you're looking to expand or invest in new projects. Our goal is to help businesses like yours thrive in today's competitive market.

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services designed to streamline your operations. Picture this: you're at a busy market, and your customers are eager to pay for their purchases. With our reliable payment processing solutions, transactions happen smoothly, allowing you to focus on what matters most growing your business. Located conveniently at 6460 Interstate Ct, Hannibal, MO 63401, our team is dedicated to providing personalized service and practical solutions tailored to your needs. Connect with us today at 573-248-2569 and explore how we can support your business journey!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing services make it simple. We offer competitive rates that can help you drive off in the car of your dreams without breaking the bank. Picture yourself cruising down the highway in a new vehicle, knowing that you got an excellent deal on financing through Community First.

Business Banking

We also cater to businesses with our business banking services which include merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we offer solutions designed to help your business thrive.

Credit Cards with Rewards

For those who love shopping or traveling, our credit cards with rewards provide great benefits while making everyday purchases more rewarding. Earn points for each dollar spent and enjoy perks like cash back or travel rewards turning your spending into savings!

Mortgage Loans & Refinancing

If owning a home is part of your dream, our mortgage loans and refinancing options can pave the way. We understand that purchasing a home is one of the biggest decisions you'll ever make. With our personalized mortgage solutions, we will work with you to find the best plan that suits your budget and goals.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. Access your accounts anytime from anywhere pay bills, transfer funds, or check balances all at your fingertips. At Community First, we're committed to serving our members' financial needs with compassion and expertise. If you're ready to take control of your financial future or have any questions about our services, don't hesitate to reach out! You can call us at 573-248-2569, or visit us at our branch during lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. We look forward to helping you achieve your financial goals!

Personal Banking

For individuals seeking reliable banking solutions, our personal banking options include checking and savings accounts designed to help you manage your finances easily. Imagine having a checking account that not only keeps your money safe but also offers easy online access for tracking your spending. Our savings accounts are perfect for those looking to build a nest egg while earning interest on their deposits.

Personal Loans & Debt Consolidation

Managing multiple debts? Our personal loans and debt consolidation options can assist you in simplifying your finances. Imagine consolidating all your debts into one manageable monthly payment with lower interest rates giving you peace of mind and more room in your budget for what matters most.

Digital & Online Banking

In today's fast-paced world, convenience and security are essential for managing your finances. At Community First, we understand that life can get busy, which is why our digital and online banking services are designed to make banking easy and accessible whenever you need it. With just a few clicks at https://www.communityfirstcu.org/, you can access your accounts anytime, anywhere. Our 24/7 online banking services allow you to check your balance, pay bills, and transfer funds without the hassle of waiting in line. Plus, our person-to-person transfer feature means sharing money with friends or family is as simple as sending a text. Security is a top priority for us. While we currently do not offer electronic signature authorization, rest assured that your information is protected through robust security measures. You can feel confident knowing that your online transactions are safe. We also provide e-statements, allowing you to receive your account statements electronically. This not only helps reduce paper clutter but also gives you instant access to your financial information whenever you need it. You can easily track your spending and stay on top of your finances without any delays. For those who prefer managing their finances on the go, we're excited to announce plans for a mobile application in the future. While mobile payments aren't available yet, we're continually working to enhance our services and bring more options to our members. At Community First, we believe that banking should be straightforward and user-friendly. Our online banking platform is designed with you in mind, making it easier than ever to manage your accounts efficiently. Explore our digital banking services today at https://www.communityfirstcu.org/ and take control of your financial journey!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 1,466, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $11,036. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community First is your trusted partner. Visit us at 6460 Interstate Ct Hannibal Mo 63401 or call (573) 248-2569 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $627,355 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust as evidenced by our $241 in used auto loans and $6,222,630 in total loans and leases supporting your financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $1,212,687 in share certificates, 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 operational efficiency is reflected in our $-$29,073, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employees and 4 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Strong Financial Foundation

With a net worth of $842,476, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.24% 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 $2,741,087 in used vehicle loans and $455,321 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates to ensure that you can find an option that fits your budget. Plus, if you're considering refinancing an existing auto loan, we can help you explore eligibility options that might save you money.

Business Loans

For business owners, while our current offerings don't include commercial loans totaling $0 we are always exploring ways to better serve entrepreneurs in our community. If you're looking for capital to grow and expand your business in the future, stay connected with us for potential offerings. At Community First, we're proud of our performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Contact us today at 573-248-2569 or visit us at 6460 Interstate Ct Hannibal Mo 63401 to learn more about how we can assist you in achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $31,699, make buying or refinancing simple. We guide you through every step of the process so that securing your dream home becomes a reality. If you're already a homeowner and want to lower your monthly payments or take cash out from your equity, our refinancing options are designed with you in mind.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although currently our total for these loans stands at $0, we are committed to helping members manage their finances effectively through various personal loan options. Keep an eye out for updates as we continue to expand our offerings.

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COMMUNITY FIRST CREDIT UNION - Hannibal, MO

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