F R B Credit Union Saint Louis MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to F R B, your trusted financial partner located at the Federal Reserve Bank Of St Louis, Saint Louis, MO 63102. Established in 1935, we have proudly served our community for decades, nurturing a strong membership base of 5,670 individuals who rely on us for their banking needs. With total assets of $123,090,517 and total deposits reaching $6,590,206, we are committed to providing our members with secure and reliable financial services. At F R B, we believe in the power of community. Our dedicated team of 19 employees is here to ensure that every member feels valued and supported. Under the leadership of our CEO, Theresa Trimble, and Board President, Ken Franklin, we strive to create an environment where our members can thrive financially. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. Whether you're looking to finance a new vehicle or start your own business, we are here to help you navigate your options. While members can visit us at our branch address for personalized service from 8:30 AM to 11:30 AM and 12:30 PM to 2:00 PM (Monday - Friday), official correspondence should be sent to our mailing address at PO Box 442, Saint Louis, MO 63166. With a net worth of $11,122,689 and cash in hand amounting to $517,910, you can trust that your money is safe with us. We look forward to supporting you on your financial journey. For any inquiries or assistance, don't hesitate to call us at 314-444-8904 or explore our services online at frbfcu.org. Join us today and experience the difference of being a part of F R B!

Branch History & Mission

Our Mission

The mission of F R B is straightforward yet powerful: we strive to provide exceptional financial services while nurturing strong community connections. Our focus is not just on transactions but on fostering relationships that help individuals and families achieve their financial goals. Whether it's through personal banking solutions like checking and savings accounts or auto loans and credit cards with rewards, we are here to support you every step of the way. We also believe in giving back to our community. Our outreach initiatives include partnerships with local organizations and events designed to uplift those around us. We understand that when our community thrives, we all benefit. In addition to traditional banking services, we've embraced modern technology to ensure convenience for our members. With options like online banking and mobile access, managing your finances has never been easier. At F R B, we are proud of our history but even more excited about what lies ahead. We invite you to join us on this journey. Experience the benefits of being part of a credit union that truly cares about its members and the community. Come visit us today or explore membership options at our website. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for our members. Our branch complies with ADA standards and features ramps and designated parking areas to ensure everyone can reach us comfortably. Whether you're coming in for a quick transaction or exploring loan options, we strive to make your visit as smooth as possible.

Connect With Us

Have questions or need more information? Don't hesitate to give us a call at (314) 444-8904! We invite you to come by and experience the warm atmosphere at Saint Louis Branch. Your financial well-being is our priority, and we're here to help you every step of the way.

Operating Hours

Our team is dedicated to serving you during convenient hours. We welcome members from 8:30 am to 11:30 am and then again from 12:30 pm to 2:00 pm, Monday through Friday. If you need assistance outside these hours, our staff is available from 7:30 am until 3:30 pm on weekdays.

Services Offered

At F R B, we offer a variety of services designed for both personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Although we currently do not have ATM facilities or drive-thru service, our friendly staff are ready and eager to assist you inside the branch.

Member Eligibility

At F R B, we believe that joining our community is about more than just opening an account it's about becoming part of a family dedicated to your financial well-being. Becoming a member is straightforward! If you work for or are affiliated with certain organizations, or if you live in the local area, you're likely eligible to join us. We welcome individuals who are committed to enhancing their financial future and enjoy personalized service tailored to your needs. For detailed eligibility criteria, feel free to explore our website at https://frbfcu.org/membership/ . Once you're ready to take the next step, opening an account is as easy as a phone call or a visit. You can reach us at (314) 444-8904 for any questions or assistance. We can't wait to help you start your journey with us at F R B, located at Federal Reserve Bank Of St Louis Saint Louis Mo 63102. Check out how simple it is to get started by visiting https://frbfcu.org/personal-vacation-loan/ !

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide merchant services that streamline payment processing for your business. Imagine being able to accept credit and debit card payments effortlessly, allowing you to focus on what matters most serving your customers. Our solutions are designed to simplify transactions, making it easier for you to manage cash flow and enhance customer satisfaction. Whether you're just starting or looking to expand your operations, F R B is here to help you navigate the financial landscape. Visit us at Federal Reserve Bank Of St Louis Saint Louis Mo 63102 or give us a call at (314) 444-8904 to learn more about how we can assist your business today!

Comprehensive List Of Services

Business Solutions

For our entrepreneurial members, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored specifically for small businesses. You can focus on growing your venture while we handle the financial side.

Convenience at Your Fingertips

In addition to these services, we also provide convenient ATM and cash withdrawal services though keep in mind there are currently no ATMs directly at our branch location. But don't worry; online banking ensures you're never far from accessing your funds. At F R B, our friendly staff is here to help every step of the way. We invite you to visit us at Federal Reserve Bank Of St Louis Saint Louis Mo 63102 or give us a call at (314) 444-8904 if you have any questions about how we can assist you in reaching your financial goals. Ready to take the next step? Explore all our offerings by visiting Saint Louis Branch today!

Financial Flexibility with Personal Loans

Sometimes life throws unexpected expenses our way. That's where personal loans come in handy. Whether it's for debt consolidation or urgent home repairs, we offer personal loans that provide the flexibility you need without overwhelming fees. It's all about giving you peace of mind during challenging times.

Home Sweet Home

For those looking to buy their first home or refinance an existing mortgage, our mortgage loans are designed with your needs in mind. We work closely with you to understand your financial situation so you can find the best option available. Picture yourself stepping into your new home without the stress of complicated paperwork we streamline the process for you.

Personal Banking Made Easy

Starting with personal banking, we offer robust options for checking and savings accounts that fit your lifestyle. If you're saving for a dream vacation or managing everyday expenses, our accounts are tailored to help you achieve your goals. We understand life can be unpredictable, which is why having easy access to your funds through online and mobile banking can make all the difference. Imagine being able to check your balance or transfer money right from your phone it's that simple!

Rewarding Credit Cards

Don't forget about our credit cards! With rewarding features designed to benefit our members, using one of our credit cards can help you earn rewards while making everyday purchases. It's like getting paid back just for shopping!

Vehicle Financing and More

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it easier than ever to hit the road in style. With competitive rates and flexible terms, you'll find the perfect plan that fits your budget. If you're also considering refinancing an existing auto loan for better rates, we can guide you through that process too.

Digital & Online Banking

Key Features

Our online banking system allows you to view your account balances, transfer funds, and manage your transactions effortlessly. You can even take advantage of person-to-person transfers, making it simple to send money to friends or family with just a few clicks. No more waiting in line or dealing with paper checks! For those who prefer going paperless, we provide e-statements that allow you to receive your financial statements digitally saving you time and keeping everything organized in one place. Unfortunately, we do not currently support electronic signature authorization or mobile payments; however, our user-friendly mobile application is available for easy access on the go.

Security and Convenience

Your security is our top priority. Our digital banking platform uses advanced security measures to ensure that your information is safe while you manage your finances from the comfort of your home or on the move. With real-time account management features, you can stay updated on your financial status without any hassle. Whether you're checking balances or planning your next steps in saving or spending, F R B has got you covered. Embrace the convenience of modern banking today! For more information about our digital services, feel free to contact us at (314) 444-8904 or explore all that we offer at https://frbfcu.org/ .

Financial Strength

Dedicated Team

We also take pride in having 19 full-time employees ready to assist you with any inquiries or needs you may have. Our knowledgeable team is committed to providing excellent service to each member who walks through our doors.

Growing Member Base

Our financial strength is further illustrated by the number of members who trust us with their finances 11,489 total share accounts show a strong and growing member base dedicated to achieving their financial goals together with us. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, F R B is your trusted partner. Visit us at Federal Reserve Bank Of St Louis Saint Louis Mo 63102 or call (314) 444-8904 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Centric Savings

Your savings are secure with us. We hold $25,039,096 in share certificates and $22,111,992 in money market shares, offering stable and rewarding financial growth opportunities for our members. 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.

Reinvestment for Growth

Our commitment to you goes beyond basic banking services. With $10,292,132 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This allows us to support your financial journey effectively.

Strong Financial Health

With a net worth of $11,122,689, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength is reflected in our net worth ratio of $903, which demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supportive Lending Capacity

We're here to help you achieve your financial goals. With $309 in used auto loans and $87,760,418 in total loans and leases, our lending capacity supports various sectors of your life. Additionally, our operational efficiency is highlighted by our $0, enabling us to continue offering competitive loan rates and solid financial products for all our members.

Loan Offering

Additional Financing Options

For those who need extra cash flow, our total credit lines amounting to $57,037,750 provide an excellent resource for managing unexpected expenses or funding personal projects. This flexibility allows you to borrow as needed while paying only interest on what you use. At F R B, we prioritize making the borrowing process straightforward and accessible. If you're considering refinancing any of your current loans or need information about eligibility for our products, please feel free to reach out. You can contact us at (314) 444-8904 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how we can support your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,208,915 in used vehicle loans and $3,120,072 in new vehicle loans already helping members get on the road. We provide financing for both new and used vehicles, ensuring you find the right fit for your budget.

Credit Cards

Managing everyday expenses just got easier with our flexible terms on unsecured credit card loans. With a total of $2,038,686 in loans helping members manage their finances effectively, our credit cards come with rewards that can benefit you while you spend.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,452,742, make buying or refinancing simple. We guide you through each step of the process, whether you're a first-time buyer or looking to refinance your existing mortgage.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan 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 rigorous sourcing ensures that all offers are not only fair but also transparent, giving users a clear understanding of their options.

F R B FEDERAL CREDIT UNION