First Community Credit Union Saint Charles MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to First Community, your trusted partner in financial services located at 2651 Old Muegge Rd, Saint Charles, MO 63303. Established in 1934, we have proudly served our community for nearly a century, growing into a robust credit union that prioritizes your needs. With over 402,691 members, we're dedicated to providing personalized banking solutions that foster financial well-being. At First Community, we're not just about numbers; we're about people. Our total assets of $4,468,203,907 reflect our commitment to helping you achieve your financial goals. Whether you're looking for a new auto loan or planning for homeownership with our mortgage options, our team is here to guide you every step of the way. With an impressive total of 147,282 loans and leases issued, we take pride in supporting our members' dreams. Our CEO, Glenn Barks, and Board President, Sharon Hudson, lead a dedicated team of 647 employees who are always ready to assist you. We ensure that every member feels valued through exceptional service and community involvement. We believe that when our members succeed, we all thrive. While you can visit us at our branch address for personal assistance, please note that official correspondence should be sent to the same location: 2651 Old Muegge Rd, Saint Charles, MO 63303. You can also reach us at 636-728-3333 during our business hours: Monday to Thursday from 8:30 AM to 4:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to 12:30 PM. Explore what First Community has to offer by visiting our website at firstcommunity.com. Whether you're interested in personal banking or business services like merchant solutions and loans, we have tailored options designed just for you. Join us today and discover how we can make a difference in your financial journey!

Branch History & Mission

Our Mission

At First Community, our mission is clear: to provide exceptional financial services while fostering a supportive environment for all members. We believe in making banking accessible and convenient through digital advancements such as online banking and mobile payments, ensuring that all our members can manage their finances anytime, anywhere. Beyond banking, we are dedicated to uplifting the communities we serve. Our involvement in local initiatives reflects our commitment to making a positive impact whether it's through partnerships with local organizations or outreach programs designed to help families thrive financially. While you can visit us at our branch location on Old Muegge Rd, please note that any official correspondence should be sent to our mailing address if it differs from the branch address. We're here for you during our operating hours: Monday through Thursday from 8:30 AM to 4:00 PM, Friday until 6:00 PM, and Saturday from 8:30 AM to 12:30 PM. Our drive-thru service and ATM availability make accessing your funds even easier. We invite everyone in Saint Charles and beyond to join the First Community family. Experience personalized service tailored to your needs and become part of a community-focused credit union that truly cares about your financial well-being. Together, let's build a brighter future! For more information or to open an account, call us at 636-728-3333 or visit our website.

Branch Location & Accessibility

Call to Action

We invite you to come by and experience the welcoming atmosphere at First Community. Whether you're looking to become a member or just want to learn more about what we offer, feel free to give us a call at 636-728-3333 or stop by during our operating hours. We look forward to serving you!

Nearby Landmarks and Accessibility

Our branch is easily accessible from major roads, making it convenient for both new and existing members. If you're coming from downtown Saint Charles or nearby areas, you'll find us just a short drive away. Parking is ample and available right outside our doors, ensuring that you can stop by with ease. We are proud to offer ADA-compliant features, including ramps for wheelchair access, so everyone can visit us comfortably.

Operating Hours and Services

We understand that life can be busy, so our operating hours are tailored to fit your schedule. You can visit us Monday through Thursday from 8:30 AM to 4:00 PM, Friday until 6:00 PM, and Saturday mornings until 12:30 PM. Whether you need to open an account, apply for a loan, or simply ask questions about our services, our friendly staff is here to help. At First Community, we offer a variety of banking options including personal accounts, auto loans, mortgages, and credit cards with rewards. Plus, with our drive-thru service available for quick transactions like deposits and withdrawals, your banking experience will be both fast and efficient. For those on the go, we also have an ATM available on-site for easy cash withdrawals and balance checks.

Member Eligibility

At First Community, we believe that everyone deserves a supportive financial community. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to join us. Whether you're looking for personal banking, auto loans, or mortgage options, our membership opens the door to a world of benefits tailored just for you. We pride ourselves on being more than just a bank; we're your partner in achieving your financial goals. To find out all the details about eligibility and how to get started, feel free to check out our website at https://www.firstcommunity.com/about-us/join-us.html . If you're ready to open an account or have any questions, don't hesitate to give us a call at (636) 728-3333 or visit us at 2651 Old Muegge Rd Saint Charles Mo 63303. Joining First Community means joining a community that cares about your financial well-being!

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 $182 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 $28,196,888, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments quickly and securely while managing your cash flow effortlessly. Our merchant services offer practical benefits that allow you to focus on what matters most growing your business. From payment processing solutions to invoicing tools, we provide the resources you need to streamline operations and enhance customer experiences. Explore how First Community, located at 2651 Old Muegge Rd Saint Charles Mo 63303, Saint Charles, MO, can be your trusted partner in achieving your business goals. For more information or to get started, contact us at (636) 728-3333 today!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, we offer comprehensive business banking services, including merchant services and business loans. We recognize the unique challenges businesses face today and are committed to helping you thrive.

Credit Cards with Benefits

Our credit cards come with rewards that add value to every purchase you make. Use them for daily expenses and watch as points accumulate towards exciting rewards it's like getting paid to shop!

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we have invested in top-notch online and mobile banking services that let you bank on your schedule. With features such as person-to-person payments and easy ATM access for withdrawals or balance checks, managing your money has never been simpler. Additionally, our drive-thru service allows for quick deposits and withdrawals without leaving your car a perfect solution when you're on the go!

Home Financing Solutions

Thinking about buying a home? Our mortgage loans and refinancing services can help turn your dream into reality. We know how important it is to find the right loan that fits your budget, so we work closely with you to ensure you get competitive rates and favorable terms. For those looking to consolidate debt or handle unexpected expenses, our personal loans provide flexible solutions without the headache. It's all about finding what works best for you.

Personal Banking Made Easy

We understand that personal banking can sometimes feel overwhelming. That's why we offer various checking and savings accounts tailored to fit your lifestyle. With features like online banking and mobile access, managing your finances has never been more convenient. Imagine checking your balance or transferring funds right from your smartphone while waiting for your coffee! If you're considering a new vehicle, our auto loans and vehicle financing options make the process straightforward. Picture yourself driving off in that new car without the stress of complicated paperwork just simple, easy financing from us.

Visit Us Today!

Whether you're starting out on your financial journey or looking for advanced banking options, First Community is here to support you every step of the way. Our friendly staff is ready to answer any questions you may have about our services or assist you in setting up an account. Feel free to call us at (636) 728-3333, or better yet, stop by our branch at 2651 Old Muegge Rd Saint Charles Mo 63303 in Saint Charles, MO during our operating hours: M-TH 8:30 AM - 4:00 PM; F 8:30 AM - 6:00 PM; SA 8:30 AM - 12:30 PM. Let us help you achieve your financial goals today!

Digital & Online Banking

Key Services

Our online banking services provide real-time access to your accounts, allowing you to check balances, pay bills, and transfer funds with ease. Plus, if you're on the go, our mobile application makes banking even more accessible. You can enjoy features like mobile payments, making transactions quick and straightforward right from your smartphone. We also make it easy to keep track of your statements. With e-statements available, you can say goodbye to paper clutter and view your financial documents securely online. For those who value speed and efficiency, electronic signature authorization is at your service, enabling you to sign documents without ever leaving home.

Security & Accessibility

Your security is our top concern. We employ robust measures to ensure that your information remains safe while you bank online. You can rest assured that your transactions are protected with advanced encryption technology. Whether you're at home or on the go, our 24/7 online banking services let you manage your finances whenever it suits you best. Need to send money to a friend? Our person-to-person transfer feature allows for quick and easy payments between members. With these user-friendly tools at your fingertips, managing your money has never been simpler. Join us at First Community today and experience the freedom of digital banking!

Financial Strength

Growing Member Base

Total Share Accounts stand at 697,764, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $13,762,475. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Community is your trusted partner. Visit us at 2651 Old Muegge Rd Saint Charles Mo 63303 or call (636) 728-3333 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

With $332,567,758 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is evident with $80,651 in used auto loans and $3,113,337,953 in total loans and leases, supporting members' financial goals across various sectors.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 638 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $798,542,706 in share certificates and $1,145,935,538 in money market shares, 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.

Solid Financial Health

With a net worth of $362,428,732, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $811 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. We have already issued over $1,613,020 in total auto loans, including $1,363,090 in used vehicle loans and $478,708 in new vehicle loans. These options make it easier than ever for you to get on the road without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $28,196 provide the capital needed to grow and expand your business ventures. We understand the unique challenges businesses face and are committed to offering solutions tailored for success.

Credit Card Loans

Managing finances effectively is essential. That's why we offer flexible terms on unsecured credit card loans, with a total of $49,880 helping members manage their expenses and build their credit history.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $241,595. This makes buying or refinancing simple and straightforward. We provide competitive rates and flexible terms to suit your specific needs.

Refinancing Options

If you are considering refinancing any existing loans whether it's an auto loan or mortgage our team is here to help guide you through the eligibility process and find the best option for your situation. At First Community, we prioritize transparency and support throughout every step of your financial journey. 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! Whether you are ready to apply or just need more information about your options, our team is here to assist you every step of the way.

Loan Aggregator

Benefits of Using LendMesh

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FIRST COMMUNITY CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Vehicle Loans

Introduction

Branch History & Mission

Our Mission

Branch Location & Accessibility

Call to Action

Nearby Landmarks and Accessibility

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Services

Credit Cards with Benefits

Digital Convenience at Your Fingertips

Home Financing Solutions

Personal Banking Made Easy

Visit Us Today!

Digital & Online Banking

Key Services

Security & Accessibility

Financial Strength

Growing Member Base

Investment in Your Future

Operational Efficiency

Secure Savings Options

Solid Financial Health

Loan Offering

Auto Loans

Business Loans

Credit Card Loans

Mortgage Loans

Refinancing Options

Loan Aggregator

Benefits of Using LendMesh

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