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

Introduction

Welcome to First Community at our Zumbehl branch, located at 2897 Veterans Memorial Pkwy, Saint Charles, MO 63303. Since our establishment in 1934, we have been dedicated to providing reliable financial services that enrich the lives of our members and strengthen our community. With over 402,691 members, we are proud to be a trusted partner in your financial journey. At First Community, we believe in the power of community. Our total assets exceed $4.46 billion, which reflects our commitment to supporting you with tailored solutions that meet your unique needs. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage refinancing, we've got you covered. In fact, our total deposits stand at an impressive $295,734,993, showcasing the trust our members place in us. Under the leadership of CEO Glenn Barks and Board President Sharon Hudson, our team of 647 employees is always ready to assist you. We understand that navigating financial decisions can be overwhelming, but with personalized service and expert guidance, we aim to make your experience as smooth as possible. While members can visit us at our branch location for all their banking needs, feel free to explore our website at firstcommunity.com for more information about our services and how we can help you achieve your financial goals. If you have questions or need assistance, don't hesitate to call us at 636-728-3333. Join us today and discover how First Community can be your partner for a brighter financial future!

Branch History & Mission

At First Community, we take pride in our rich legacy and commitment to serving the community of Saint Charles, MO. Since opening our doors in 1934, we have evolved from a small financial institution into a trusted partner for over 402,000 members. Our branch, located at 2897 Veterans Memorial Pkwy, has been a cornerstone of financial support and community engagement for nearly nine decades. Throughout the years, First Community has achieved significant milestones that highlight our dedication to growth and service. With total assets exceeding $4.4 billion, we have expanded our offerings to include personal banking services such as checking and savings accounts, auto loans, mortgage financing, and business banking solutions. We are proud to provide accessible financial services that meet the diverse needs of our members. Our mission is simple yet powerful: to empower our members through comprehensive financial solutions while actively supporting our community. We believe that financial stability is key to a thriving life, and we strive to make banking convenient and beneficial for everyone. Whether it's providing low-interest loans or offering online banking capabilities, we focus on enhancing the member experience. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to our headquarters in Chesterfield, MO. Our operating hours are designed with your convenience in mind: Monday through Friday from 8:30 AM to 7:00 PM and Saturday and Sunday from 9:00 AM to 3:00 PM. In addition to traditional banking services, we embrace modern technology by offering ATM access and mobile banking options. Members can enjoy features like electronic signatures and online account management all designed with user-friendliness in mind. We ensure our facilities are ADA compliant so that all members of the community can access our services comfortably. First Community is more than just a credit union; we are a part of this vibrant community. Through various outreach programs and partnerships with local organizations, we aim to uplift those around us. We believe in giving back because when the community thrives, so do we. We invite you to join us at First Community. Experience the difference that comes from being part of a cooperative dedicated to your financial well-being. Visit us today or learn more about becoming a member here. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We are committed to making banking easy for everyone. Our branch is fully ADA compliant, featuring ramps and accessible entrances to ensure all members can navigate with ease.

Nearby Landmarks

Nestled close to local favorites like the vibrant St. Charles Historic District and just a short drive from the scenic Missouri River, our branch is perfectly situated for both residents and visitors alike. You'll find plenty of parking available, ensuring that your visit is hassle-free.

Operating Hours

First Community is here for you during the week! Our lobby hours run Monday through Friday from 8:30 AM to 7:00 PM, so you can stop by after work or before heading out for your day. On Saturdays and Sundays, we're open from 9:00 AM to 3:00 PM perfect for those weekend banking needs!

Services Offered

At our Zumbehl branch, we offer a range of services tailored to meet your financial needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have you covered. You can also enjoy the convenience of ATM access right at our location. While members can visit us at 2897 Veterans Memorial Pkwy, official correspondence should be sent to our mailing address if applicable. If you have any questions or need assistance, feel free to call us at 636-728-3333. 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 in creating a welcoming community where everyone can thrive. Becoming a member is simple and open to anyone who shares our values! If you live, work, worship, or attend school in the areas we serve, you're already eligible to join us. We're here to support your financial journey with a range of services designed to fit your needs, from checking accounts to auto loans and beyond. To get started on your membership, visit us at our branch located at 2897 Veterans Memorial Pkwy Saint Charles Mo 63303 or give us a call at (636) 728-3333. For more detailed eligibility information, feel free to check out our website at https://www.firstcommunity.com/about-us/join-us.html. We're excited to have you as part of our family and look forward to helping you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, accepting payments should be easy. Our merchant services simplify transactions for your business. Picture this: you serve a customer who wants to pay by card, but instead of worrying about complicated setups or high fees, you can process their payment quickly and smoothly keeping your customers happy and your business thriving. Located at 2897 Veterans Memorial Pkwy Saint Charles Mo 63303, Saint Charles, MO 63303, we invite you to experience how our tailored solutions can empower your business to reach new heights. For more information or to discuss your needs, call us at (636) 728-3333 today!

Tailored Loan Solutions

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. - With an outstanding commercial loan portfolio of $28,196,888, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial backing you need when an exciting opportunity arises. Our loans can help you purchase new equipment, hire additional staff, or even open a new location.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

For added convenience, our branch offers ATM services that allow basic transactions like withdrawals and balance checks. You won't have to worry about finding cash when you need it; simply visit one of our ATMs for quick access. In addition to all these offerings, our commitment extends beyond just traditional banking. With features like mobile payments and person-to-person transfers through our secure platforms, managing your money has never been easier. We invite you to explore all that First Community has to offer at Zumbehl! Visit us today at 2897 Veterans Memorial Pkwy Saint Charles Mo 63303 or give us a call at (636) 728-3333. Your financial journey starts here!

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options provide flexible terms and competitive rates. Picture driving off in your dream car without the stress of complicated paperwork. We simplify the process so you can focus on choosing the right vehicle rather than worrying about finances.

Business Banking

If you're running a business, we also have tailored solutions just for you. Our business banking services, including merchant services and business loans, are designed to support your growth and success. Whether you're starting a new venture or expanding an existing one, we're here to partner with you.

Credit Cards with Rewards

For those who love rewards, our credit cards with rewards program is an excellent choice. Earn points on every purchase that you can redeem for travel, cash back, or other exciting perks! It's a smart way to maximize your spending while enjoying additional benefits.

Mortgage Loans & Refinancing

When it comes to buying a home or refinancing an existing mortgage, we offer personalized support every step of the way. Our mortgage loans come with various choices to fit your budget, making homeownership attainable for everyone. If you're considering refinancing, we're here to help you find the best rates that could save you money over time.

Personal Banking

Whether you're looking to open a new checking or savings account, or you need help managing your everyday finances, our personal banking services are designed with you in mind. With options like checking and savings accounts, we make it easy for you to keep your money accessible while earning interest. Imagine being able to manage your funds effortlessly through our online and mobile banking platforms check balances, transfer funds, and pay bills from anywhere!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, and that's where our personal loans can help. Whether it's for home improvements or unexpected medical bills, we provide quick access to funds when you need them most. Additionally, if you're looking to simplify your finances, consider our debt consolidation options that can combine multiple debts into one manageable payment.

Digital & Online Banking

Key Features of Our Digital Banking Services

Our online banking platform at https://www.firstcommunity.com/ provides 24/7 access to your account. You can check balances, pay bills, and transfer money without the hassle of visiting a branch. Whether you're at home or on the go, our mobile application makes it easy to stay connected with your finances. With features like electronic signature authorization, you can sign documents securely from the comfort of your own home. Plus, e-statements are available for those who prefer going paperless helping you keep track of your finances while protecting the environment.

User-Friendly and Secure Experience

Safety is our top priority. Our platform uses advanced security measures to protect your information. You can also enjoy the convenience of mobile payments, allowing you to make purchases right from your smartphone. Want to send money to a friend? Our person-to-person transfer feature lets you do just that quickly and easily. We believe that banking should be accessible for everyone. With our intuitive interface and helpful resources, you'll find managing your accounts straightforward and stress-free. Join us at First Community to take advantage of these modern banking tools today!

Financial Strength

Commitment to Innovation

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 lending capacity 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.

Growing Member Base

Total Share and Deposit Accounts: 697,764, show 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 2897 Veterans Memorial Pkwy Saint Charles Mo 63303 or call (636) 728-3333 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Strong 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, 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 financing options for both new and used vehicles that make it easier than ever to drive home in the car you want.

Commercial Loans

For business owners, our outstanding commercial loans totaling $28,196,888 provide the capital needed to grow and expand your business operations. We support local businesses with tailored solutions that help them thrive in today's economy. If you're considering refinancing any of these products or want to learn about eligibility options, we encourage you to reach out. Our knowledgeable staff is here to assist you every step of the way. For more information on our loan offerings or if you're ready to apply today, give us a call at 636-728-3333 or visit us online at First Community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Credit Lines

For those who prefer flexibility in borrowing, our total credit lines amounting to $623,986,918 allow you to access funds as needed without the hassle of reapplying for a loan each time. This option is perfect for managing unexpected expenses or planning for larger purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $241,595,821, making buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, we guide you through each step of the process.

Unsecured Credit Card Loans

Managing expenses can be challenging. 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. Our credit cards come with rewards and benefits designed to enhance your spending power while keeping costs manageable.

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: Users receive up-to-date loan rates from multiple institutions, helping them make informed choices quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of the platform. 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 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 that all offers are fair and transparent. By gathering information from reputable lenders, LendMesh provides verified data that users can trust.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Nearby Landmarks

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Make Sense

Tailored Loan Solutions

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans & Vehicle Financing

Business Banking

Credit Cards with Rewards

Mortgage Loans & Refinancing

Personal Banking

Personal Loans & Debt Consolidation

Digital & Online Banking

Key Features of Our Digital Banking Services

User-Friendly and Secure Experience

Financial Strength

Commitment to Innovation

Growing Member Base

Operational Efficiency

Secure Savings Options

Strong Financial Health

Loan Offering

Auto Loans

Commercial Loans

Credit Lines

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

Join Our Community