De Soto Mo Pac Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to De Soto Mo Pac, your trusted financial partner located at 2082 Rock Rd, De Soto, MO 63020. Since our establishment in 1939, we have been dedicated to serving our members with integrity and commitment. With a growing membership of 1,651 individuals, our credit union stands as a pillar of support within the community, focusing on personal banking solutions that meet your needs. At De Soto Mo Pac, we understand that financial well-being is about more than just numbers. With total assets of $22,552,738 and total deposits reaching $2,484,100, we ensure your hard-earned money is safe and accessible. Our CEO, Melissa Thebeau, along with Board President Richard Pica, leads a team of 6 employees who are passionate about providing personalized service. Whether you're looking for auto loans or savings accounts, we offer a range of services tailored to help you achieve your financial goals. While members can visit us at our branch address, official correspondence should be sent to the same location: 2082 Rock Rd, De Soto, MO 63020-1052. We invite you to explore our offerings further on our website at desotomopaccu.com or give us a call at 636-586-9922. Join us today and experience the warmth of community banking where you are not just a member but part of our family!

Branch History & Mission

Community Focus

Our roots run deep in De Soto, and we're dedicated to giving back. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact on our neighbors' lives. Whether it's hosting financial literacy workshops or contributing to local events, we believe that supporting each other strengthens our community. We invite you to join us on this journey. At De Soto Mo Pac, you're not just another account; you're part of a family that cares about your success. Experience the difference that comes from being a member of a credit union that prioritizes people over profits. For more information about how we can help you achieve your financial dreams or to learn more about membership options, call us at 636-586-9922 or visit us online at De Soto Mo Pac. Join us today and discover what it means to be part of something bigger!

Our Mission

At the heart of De Soto Mo Pac is our mission: to empower our members through financial education and personalized service while fostering a sense of community. We believe that everyone deserves access to quality financial services that can help them achieve their goals. This commitment goes beyond just banking; it includes supporting local initiatives and partnering with organizations that uplift our community. We are proud to offer essential services such as online and mobile banking for convenience, as well as drive-thru banking for those who prefer face-to-face interactions. Our operating hours are 10 AM to 5 PM from Monday through Friday, making it easy for you to stop by or reach out when it suits you best. Although we currently do not have ATM availability at this branch, we aim to provide all necessary services through our staff assistance. While members can visit us at 2082 Rock Rd, official correspondence should be sent to 2082 Rock Rd, De Soto, MO 63020-1052 if different mail handling is needed.

Branch Location & Accessibility

Accessibility Features

At De Soto Mo Pac, we prioritize your comfort and convenience. Our branch features ADA-compliant facilities, ensuring all members can access our services with ease. Parking is plentiful, so you can find a spot without hassle. Plus, our drive-thru service allows you to handle quick transactions from the comfort of your vehicle.

Operating Hours

We know that life can get busy! That's why our lobby hours are designed to accommodate your schedule: we're open from 10 AM to 5 PM Monday through Friday. Our dedicated staff is ready to assist you with a variety of banking services during these hours.

Services Offered

Our branch provides an array of personal banking options including checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. We also offer business banking solutions like merchant services and business loans. While we currently do not have ATM services available at this location, our basic drive-thru banking covers deposits, withdrawals, and simple transactions. If you need assistance or have any questions about our services, don't hesitate to give us a call at 636-586-9922. We're excited to help you achieve your financial goals! Visit us today at De Soto Mo Pac where your community bank is waiting for you.

Member Eligibility

At De Soto Mo Pac, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you live, work, or worship in the De Soto area, you're likely eligible to join us! We welcome individuals from various backgrounds, making it easy for you to access our wide range of financial services. Plus, being part of De Soto Mo Pac means you can enjoy benefits like competitive rates on loans and savings, personalized service, and community-focused initiatives. To get started with your membership, simply visit us at 2082 Rock Rd De Soto Mo 63020 or give us a call at (636) 586-9922. We've made the account opening process straightforward and welcoming. For more detailed eligibility criteria, feel free to check out our website at . We're excited to help you take this important step towards better financial well-being!

Business Banking & Commercial Services

Financing for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We're proud to provide substantial financial resources, empowering entrepreneurs like you. While we currently have $0 in member commercial loans and $0 in non-member commercial loans, we are ready to support your financing needs when the time comes.

Merchant Services Made Easy

In addition to loans, we offer merchant services that simplify daily operations. Imagine having a seamless way to accept payments from customers while managing your finances all in one place. Our solutions are designed to help you streamline transactions and focus on what really matters growing your business. Located at 2082 Rock Rd De Soto Mo 63020 in De Soto, MO, we're here for you Monday through Friday from 10 AM to 5 PM. Call us at (636) 586-9922 or visit our website at https://desotomopaccu.com/ to learn more about how we can support your business journey!

Comprehensive List Of Services

Business Banking Made Easy

At De Soto Mo Pac, we also cater to local businesses with our comprehensive Business Banking solutions. Our offerings include merchant services and business loans designed to support your growth and operational needs. From small startups to established enterprises, we have the tools necessary to help you succeed.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options so you can manage your finances anytime and anywhere. With features like mobile payments and person-to-person transfers, staying connected with your money has never been easier. For simple transactions, our Drive-Thru Banking service allows for quick deposits and withdrawals without leaving your car. It's perfect for busy days when time is of the essence!

Join Us Today!

Whether you're interested in personal banking, business services, or just need some guidance on financial matters, we're here for you at De Soto Mo Pac. Feel free to give us a call at (636) 586-9922 or visit us during our operating hours from 10 am to 5 pm Monday through Friday. Let us help you unlock your financial potential today!

Personal Banking Solutions

We understand that managing personal finances can sometimes be overwhelming. That's why we offer Personal Banking options, including checking and savings accounts designed to fit your lifestyle. Whether you're saving for a big purchase or simply want a place to manage your everyday expenses, our accounts come with features to help you keep track of your money effortlessly. When it comes to financing your vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Imagine driving away in that new car you've had your eye on without breaking the bank! For those looking to buy or refinance their home, our Mortgage Loans & Refinancing services can guide you through the process, making it straightforward and stress-free.

Support for Your Financial Needs

Sometimes life throws unexpected challenges your way. With our Personal Loans & Debt Consolidation services, you can tackle those surprises head-on. We're here to help you consolidate debts into one manageable payment or fund important personal projects. For those who appreciate rewards while spending, our Credit Cards with Rewards program allows you to earn points on every purchase. Use those points for travel, gift cards, or cash back it's all about rewarding you for being a loyal member!

Digital & Online Banking

Access Anytime, Anywhere

Our online banking platform is available 24/7, allowing you to check balances, pay bills, and transfer money anytime you need. Visit us at https://desotomopaccu.com/ to get started. You can also take advantage of our mobile application, which offers the same great features right on your smartphone or tablet. Whether you're at home or on the go, managing your money has never been easier.

Features That Fit Your Lifestyle

We know life can be busy, so we've included features that simplify everyday banking. Need to send money to a friend? Our person-to-person transfer service makes it quick and hassle-free. Plus, if you prefer paperless statements, you can opt for e-statements to help keep things organized and reduce clutter. If you're looking to make purchases on the fly, our mobile payments feature allows you to pay using your smartphone wherever it's accepted. This gives you flexibility while keeping track of your spending easily. At De Soto Mo Pac, we believe in making banking accessible and straightforward for everyone. Join us today to experience the benefits of our digital and online banking services!

Secure Transactions

Security is a top priority for us. While we do not offer electronic signature authorization yet, rest assured that all your transactions through our online banking system are protected with advanced security measures. You can feel confident knowing that your personal information is safe as you navigate through our digital services.

Financial Strength

Focused on You

Our focus on member benefits is evident with non-member deposits at $0. This strategy ensures that our resources are directed towards enhancing your banking experience through better loan rates, lower fees, and exclusive perks tailored to our members.

Growing Together

We have a thriving community of members with a total of 2,661 share accounts, showing a strong base that trusts us with their finances. Our net shares available for lending stand at $0, further underlining our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, De Soto Mo Pac is your trusted partner. Visit us at 2082 Rock Rd De Soto Mo 63020 or call (636) 586-9922 to learn more about how we can help you achieve your financial goals.

Investing in the Future

With $2,374,588 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Furthermore, our lending capacity supports your financial goals across various sectors with $596 in used auto loans and $18,877,028 in total loans and leases.

Member-Centric Savings

Members' savings are secured through $7,780,629 in share certificates, offering stable and rewarding financial growth opportunities. This commitment to safeguarding your funds is what sets us apart; unlike traditional banks, we prioritize our members' interests.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $0, which enables us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 4 full-time employees and 2 part-time employees who are always ready to assist you with knowledgeable service.

Solid Foundation

With a net worth of $2,711,086, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,202 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 $10,297,033 in used vehicle loans and $3,390,878 in new vehicle loans already helping members get on the road. Whether you're considering a brand-new model or a reliable used vehicle, our financing options make it easy to drive away satisfied.

Credit Lines

For those looking for additional flexibility, our credit lines totaling $100,000 can help bridge gaps when needed. This option allows you to access funds whenever necessary while only paying interest on what you use. At De Soto Mo Pac, we prioritize your financial well-being and aim to empower our members through smart lending solutions. For any questions or assistance, don't hesitate to reach out at (636) 586-9922 or visit us at 2082 Rock Rd De Soto Mo 63020 in De Soto, MO. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey towards financial freedom starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,664,770, make buying or refinancing simple. We guide you through the process, ensuring you understand every step along the way. If you're interested in refinancing your current mortgage, be sure to ask about our eligibility options available.

Unsecured Credit Card Loans

Managing finances can sometimes feel overwhelming. That's why we also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. This product provides an excellent way to handle unexpected expenses or build your credit without putting your assets at risk.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With an emphasis on transparency and reliability, LendMesh is a trusted resource for anyone looking to make informed borrowing decisions. 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 ensures that users receive fair and transparent offers. Each loan comparison is grounded in accurate data, allowing borrowers to understand their options without hidden fees or misleading terms. LendMesh offers several key benefits to enhance user experience: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency and peace of mind for users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions tailored to their financial needs. 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 testimonial highlights the practical benefits of using LendMesh and underscores its commitment to helping consumers navigate the often complex world of loans. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *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.*

DE SOTO MO PAC CREDIT UNION - De Soto, MO