First Community Credit Union Saint Charles MO | Best Auto Loans & Business Banking

Introduction

Community Impact

First Community is not just about numbers; it's about making a positive impact in Saint Charles and beyond. We strive to create a welcoming environment where everyone feels valued. Under the leadership of CEO Glenn Barks and Board President Sharon Hudson, our dedicated team of 647 employees works tirelessly to ensure that every member receives personalized service.

Get in Touch

We invite you to visit us or give us a call at 636-728-3333 during our operating hours: Monday to Thursday from 8:30 AM to 4:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to 12:30 PM. At First Community, we are excited about the opportunity to serve you and support your financial journey. For more information about our services or to become a member today, check out our website at firstcommunity.com.

Why Choose Us?

When you choose First Community, you're choosing a credit union that prioritizes your financial well-being. Our offerings include competitive loan rates and convenient online and mobile banking options. Whether you're looking for a new vehicle loan or need assistance with mortgage refinancing, we're here to help.

Branch History & Mission

At First Community, our journey began in 1934, rooted in the heart of Saint Charles, MO. From our humble beginnings, we have grown to serve over 402,000 members with a commitment to community and service. Our branch, located at 2651 Old Muegge Rd, has become a cornerstone for financial support and guidance in the area. Over the years, we've seen significant milestones that reflect our growth and dedication. With total assets amounting to over $4.4 billion, we have established ourselves as a trusted partner for personal and business banking needs. Our mission is straightforward: to provide exceptional financial services while fostering strong relationships within our community. We believe that when our members succeed, we all succeed. Our operating hours are designed to accommodate busy schedules: 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 assistance with checking accounts, auto loans, mortgages, or business financing, we are here to help. We also offer convenient ATM access and drive-thru banking for quick transactions. First Community stands out not just because of our comprehensive range of services but also due to our commitment to community outreach and partnerships. We actively engage with local organizations and initiatives aimed at improving the lives of those around us. This includes support for education programs and charitable events that make a real difference in people's lives. While members can visit us at our physical location for personalized service, official correspondence should be sent to our mailing address if it differs from the branch address ensuring your communications reach us without delay. As we look ahead, First Community remains focused on innovation and customer satisfaction. We offer online and mobile banking solutions that make managing finances easier than ever while ensuring compliance with ADA standards so that everyone can access our services comfortably. Join us at First Community and experience firsthand the benefits of membership. We're more than just a credit union; we're a part of your community's fabric. Together, let's build a brighter financial future! For more information or to become a member today, feel free to call us at 636-728-3333 or visit our website at First Community.

Branch Location & Accessibility

Welcome to First Community at our Saint Charles branch, conveniently located at 2651 Old Muegge Rd, Saint Charles, MO 63303. Our location is easy to find and accessible for everyone in the area. You can spot us near local landmarks like the scenic Missouri River, making your visit even more enjoyable. At First Community, we understand that convenience matters. That's why we offer ample parking and ADA-compliant features to ensure everyone can access our services without hassle. Whether you prefer banking inside or using our drive-thru service, we've got you covered. Our friendly staff is always ready to assist you with deposits, withdrawals, and other banking needs. Our operating hours are designed to fit into your busy schedule: Monday through Thursday from 8:30 AM to 4:00 PM, Friday from 8:30 AM to 6:00 PM, and Saturday from 8:30 AM to 12:30 PM. You can reach us at 636-728-3333 during these hours for any inquiries or assistance. For those on the go, we also provide ATM services available right at our branch. So whether you're stopping by for a quick transaction or planning a longer visit, you'll find everything you need here. While members can visit us at 2651 Old Muegge Rd, official correspondence should be sent to our mailing address if it differs. We invite you to come in and explore all the financial services we offer from personal banking options like checking and savings accounts to auto loans and mortgage financing. Come see how First Community can help you achieve your financial goals! We look forward to welcoming you soon!

Member Eligibility

At First Community, we believe that everyone deserves to be part of a supportive and caring community, and becoming a member is easier than you might think! To join us at our branch located at 2651 Old Muegge Rd Saint Charles Mo 63303, you simply need to meet a few eligibility criteria. Whether you live, work, worship, or attend school in the area, you can become a member and enjoy all the benefits we offer. Not only will you gain access to a variety of financial services tailored to your needs, but you'll also join a family that prioritizes your financial well-being. For detailed information on eligibility requirements, feel free to visit our website at https://www.firstcommunity.com/about-us/join-us.html. Ready to take the next step? Opening an account with us is simple! Just reach out to us at (636) 728-3333, or check out our account opening details online at https://www.firstcommunity.com/about-us/join-us.html. We can't wait to welcome you into our First Community family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services designed to make your transactions smoother. Imagine being able to accept payments easily at your store or online our services help streamline payment processing so you can focus on what you do best: running your business. With an outstanding commercial loan portfolio of $28,196,888, we continue to drive economic growth by financing new and expanding businesses right here in Saint Charles, MO. Let us partner with you on your journey to success! Visit us at 2651 Old Muegge Rd Saint Charles Mo 63303 or call us at (636) 728-3333 to learn more about how we can assist your business today!

Tailored Loan Options for Growth

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. Whether you're looking to expand your operations, invest in new equipment, or manage cash flow, we have the right loan options tailored just for you. For those outside our membership, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions that can help any local business thrive.

Comprehensive List Of Services

Business Solutions for Growth

For our business members, we offer tailored solutions including Business Banking, which features merchant services and business loans designed to fuel your success. Whether you're starting a new venture or expanding an existing one, we're here to support your ambitions.

Modern Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why we emphasize our robust Online & Mobile Banking features. With just a few taps on your smartphone, you can access your accounts, pay bills, and transfer money easily through our secure mobile app. We also provide ATM and cash withdrawal services for quick access to funds when you need them most. If you prefer face-to-face interactions but want the ease of quick transactions, our basic drive-thru banking allows for deposits and withdrawals without leaving your vehicle.

Personal Banking Made Easy

We understand that everyone has unique financial needs. That's why we provide Personal Banking options like checking and savings accounts that fit seamlessly into your lifestyle. Whether you're managing day-to-day expenses or saving for the future, our accounts are designed for flexibility and convenience. When it comes to making significant purchases, our Auto Loans & Vehicle Financing can help you get behind the wheel without stress. With competitive rates and personalized service, we make car buying easy. Additionally, if you're looking to buy a home or refinance your current mortgage, our Mortgage Loans & Refinancing options are here to guide you through every step of the process. If you're facing unexpected expenses or need assistance with debt management, our Personal Loans & Debt Consolidation services can provide the support you need. We also offer Credit Cards with Rewards, allowing you to earn while you spend.

We're Here for You

At First Community, member satisfaction is at the heart of what we do. You can reach us at (636) 728-3333 during regular hours: Monday through Thursday from 8:30 AM to 4:00 PM, Friday until 6:00 PM, and Saturday until 12:30 PM. We invite you to visit us at 2651 Old Muegge Rd Saint Charles Mo 63303 in Saint Charles, MO, where our knowledgeable staff is eager to assist with all your banking needs. We encourage you to explore all that we have to offer and discover how we can help make your financial journey smooth and successful. For more information about opening an account or joining our community, visit us online at Saint Charles. Let's work together towards achieving your financial dreams!

Digital & Online Banking

Conclusion

At First Community, we're committed to providing accessible and efficient banking solutions that fit into your lifestyle. Our digital banking services are designed with you in mind easy to use, secure, and always available when you need them. Explore all that we have to offer today!

Key Features

With our online banking services available 24/7 at https://www.firstcommunity.com/, you can check your account balances, transfer funds, pay bills, and more whenever it suits you. Whether you're at home, at work, or out running errands, accessing your account is just a click away. For those who prefer mobile banking, our user-friendly mobile application allows you to perform all these tasks right from your smartphone. Plus, with the added convenience of mobile payments, you can make purchases quickly and securely without needing cash or cards.

Security and Accessibility

Your security is our top priority. That's why we offer electronic signature authorization for easy and secure document signing. You can also opt for e-statements to reduce paper clutter while keeping your financial records safe and accessible online. Need to send money to friends or family? Our person-to-person transfer feature makes it simple and fast. Just a few taps on your device, and you're set!

Financial Strength

A Solid Foundation

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.

Growing Together

The trust from our growing member base is evident with a total of 697,764 share and deposit accounts. This shows that more individuals are choosing First Community as their reliable financial partner. Our net shares available for lending stand at $13,762,475, enabling us to continue meeting your needs. 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. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Investing Back into the Community

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 commitment to the community is reflected in our lending capacity; with $80,651 in used auto loans and $3,113,337,953 in total loans and leases, we support members' financial goals across various sectors.

Member-Centric Savings

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.

Operational Efficiency

Our performance is also highlighted by our $0, which reflects our operational efficiency. This allows us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 638 full-time employees and 9 part-time employees who are dedicated to providing you with exceptional service.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,363,090,588 in used vehicle loans and $478,708,706 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your next vehicle straightforward and manageable.

Credit Lines

If you're looking for extra flexibility in managing your finances, our credit lines totaling $623,986,918 can provide you with easy access to funds when you need them most. This product is perfect for those who want peace of mind knowing they have backup resources available at any time. For business owners considering expansion or operational needs, we also have outstanding commercial loans totaling $28,196,888 to support your growth ambitions. If you're interested in refinancing any existing loans or learning about eligibility options for our products, don't hesitate to reach out. You can contact us at 636-728-3333 during our lobby hours: Monday through Thursday from 8:30 AM to 4:00 PM; Friday from 8:30 AM to 6:00 PM; and Saturday from 8:30 AM to 12:30 PM. 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 online at First Community for more information on how we can help meet your financial needs today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $241,595,821, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your existing mortgage, our knowledgeable staff is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $49,880,333 in loans helping members manage their finances effectively. This option allows you to consolidate debt or cover unexpected expenses without needing collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" 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.

How LendMesh Ensures 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 ensures fair and transparent offers, so users can trust the information they receive.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Community Impact

Get in Touch

Why Choose Us?

Branch History & Mission

Branch Location & Accessibility

Member Eligibility

Business Banking & Commercial Services

Practical Merchant Services

Tailored Loan Options for Growth

Comprehensive List Of Services

Business Solutions for Growth

Modern Banking at Your Fingertips

Personal Banking Made Easy

We're Here for You

Digital & Online Banking

Conclusion

Key Features

Security and Accessibility

Financial Strength

A Solid Foundation

Growing Together

Investing Back into the Community

Member-Centric Savings

Operational Efficiency

Loan Offering

Auto Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

Join Our Community