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

Introduction

Welcome to First Community, your trusted partner in financial wellness since 1934. Located at 4249 Watson Rd, Saint Louis, MO 63109, we are dedicated to serving our community with a wide array of financial services tailored to meet your needs. With a proud membership of over 402,691 and total assets exceeding $4.4 billion, we are committed to providing personalized banking solutions that empower you to achieve your financial goals. At First Community, we understand the importance of fostering strong relationships with our members. Under the leadership of CEO Glenn Barks and Board President Sharon Hudson, our team of 647 employees works diligently to ensure that every member receives the care and attention they deserve. Whether you're looking for personal banking options, vehicle financing, or business banking solutions, we have you covered. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address if it differs from our physical location. Our branch is equipped with modern amenities including ATM services and drive-thru banking for your convenience. With total deposits amounting to $295,734,993 and a robust net worth of $362,428,732, First Community stands as a pillar of stability in the community. We offer a variety of loans, totaling 147,282, ensuring that whether you're purchasing a home or consolidating debt, we have options that work for you. Explore how we can help support your financial journey today! Visit us online at First Community or give us a call at 636-728-3333. Your path to financial success starts here!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of keeping up with technology. That's why we've embraced digital advancements like online banking and mobile payments, making it easier for you to manage your finances anytime, anywhere. Additionally, we ensure that all our facilities are ADA compliant for accessibility to everyone.

Join Us!

With dedicated operating hours Monday through Thursday from 8:30 AM to 4:00 PM, Friday until 6:00 PM, and Saturday until 12:30 PM we're here when you need us most. Whether you're stopping by for a quick transaction or looking for comprehensive financial advice, we invite you to experience the warmth and expertise of First Community. If you're ready to take control of your financial future with a credit union that truly cares about you and your community, reach out or visit us today! Call us at (636) 728-3333 or explore more about becoming a member at First Community. Your journey towards financial empowerment starts here!

Our Journey

Located at 4249 Watson Rd, our branch is easily accessible and near key landmarks that highlight the heart of Saint Louis. We have witnessed the evolution of our community and adapted our services to meet its changing needs. From humble beginnings, First Community has continually expanded its offerings, including personal banking accounts, auto loans, mortgages, and business banking solutions. As part of our mission, we strive not only to provide exceptional financial services but also to uplift and support our community. We believe in giving back through various outreach initiatives and partnerships with local organizations. This commitment is rooted in our core belief that when our members thrive, so does the community.

Our Mission Statement

First Community's mission is clear: to empower individuals and businesses with the financial tools they need for success while fostering a sense of belonging and trust within our communities. We prioritize member satisfaction by offering personalized service tailored to your unique circumstances. While members can visit us at 4249 Watson Rd Saint Louis Mo 63109, official correspondence should be sent to the same address as we currently do not maintain a separate mailing address.

Branch Location & Accessibility

Accessibility Features

At First Community, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps to ensure everyone can visit us without any hassle. Plus, ample parking is available right outside our doors, making it easy for you to pop in whenever you need assistance.

Connect With Us

Have questions or want to learn more about what we offer? Don't hesitate to reach out! You can call us at 636-728-3333. We're excited to help you achieve your financial goals and look forward to welcoming you at First Community in St. Louis Hills. Come see us soon!

Operating Hours

We understand that life can get busy, so we offer flexible operating hours to suit your schedule. Visit us 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. Whether you need help with personal banking or are looking to explore our loan options, our friendly staff is here during these hours to assist you.

Services Offered

At First Community, we offer a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. If you're on the go, take advantage of our ATM services available right here at the branch or utilize our drive-thru banking for quick deposits and withdrawals without leaving your vehicle.

Member Eligibility

Joining the First Community is more than just opening an account; it's about becoming part of a caring and supportive community that truly values its members. If you're looking to join us at our welcoming branch located at 4249 Watson Rd, Saint Louis, MO 63109, you'll be pleased to know that eligibility is designed to be inclusive. Generally, anyone who lives, works, worships, or attends school in the local area can become a member. This means that whether you're a long-time resident or new to the neighborhood, we want you here! Plus, being a member opens up access to fantastic financial products and services tailored just for you. To learn more about specific eligibility requirements and how easy it is to get started, feel free to check out our detailed guide at First Community's Join Us page. If you have any questions or need assistance during the process, don't hesitate to call us at 636-728-3333. We're excited to welcome you into our family!

Business Banking & Commercial Services

At First Community, we understand that every business starts with a vision and the drive to succeed. Whether you're launching a new venture or expanding an existing one, our financial solutions are designed to fuel your ambitions. Imagine securing the funding you need to purchase new equipment or open another location. Our commercial loan options can help make that dream a reality. 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. In addition to loans, we offer tailored merchant services that simplify payment processing. Picture this: your customers can pay easily while you manage your finances more efficiently. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what truly matters growing your business. Visit us at 4249 Watson Rd Saint Louis Mo 63109 in Saint Louis, MO or call us at (636) 728-3333 to learn how we can support your journey toward success.

Comprehensive List Of Services

Business Banking Services

If you're an entrepreneur or run a small business, our business banking services have got you covered. From merchant services that simplify payment processing to business loans designed to help your company grow, we're committed to supporting local businesses every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. With our user-friendly mobile application, you can check balances, transfer funds, and even make person-to-person payments right from your smartphone. Need cash? Our ATMs provide easy access for withdrawals and balance checks without any hassle.

Credit Cards with Benefits

At First Community, we know that rewards matter. That's why our credit cards come with rewards programs that let you earn points on everyday purchases. Enjoy cash back or travel benefits while managing your spending wisely.

Drive-Thru and ATM Services

For those who prefer face-to-face interactions but are short on time, our basic drive-thru banking allows for quick deposits and withdrawals. Plus, if you're on-the-go, our ATM services ensure you have access to cash whenever you need it. At First Community, we believe in providing services that matter most to our members in Saint Louis and beyond. Our friendly staff is always ready to assist you in finding the right solutions for your financial needs. To learn more about how we can serve you better or if you're ready to open an account today, give us a call at 636-728-3333 or visit us at First Community. We're excited to be part of your financial journey!

Home Financing Made Easy

Thinking about buying a home? Our mortgage loans and refinancing options are designed to make the process straightforward. We work closely with you to find the best rates and terms that fit your budget, allowing you to focus on what truly matters making your house a home.

Personal Banking Solutions

Our personal banking services are tailored to fit your lifestyle. We provide checking and savings accounts that help you manage your finances with ease. If you're in the market for a new car, our auto loans and vehicle financing options can get you on the road quickly. We understand that life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation solutions to keep your financial goals within reach.

Digital & Online Banking

Key Features

One of the standout features of our digital banking services is the ability to use electronic signatures for authorization. This means you can complete transactions without the hassle of printing and mailing documents just sign digitally and you're done! We also provide e-statements, allowing you to access your financial information anytime without cluttering your mailbox. For those who love mobile convenience, our mobile application ensures that all these features are right at your fingertips. You can make mobile payments effortlessly, ensuring that you never miss a beat when it comes to paying friends or making purchases. Plus, with person-to-person transfers available, sending money to family or friends is quick and simple. Security is paramount in everything we do. Our online banking services are protected with top-notch security measures to keep your data safe. You can bank with peace of mind knowing that we take every precaution to protect your personal information. In summary, First Community offers a suite of digital banking options that not only enhance accessibility but also empower you to manage your finances in real time. With our commitment to providing secure and convenient services, you'll have everything you need right at your fingertips!

Financial Strength

Growing Membership Base

Total Share and Deposit Accounts: 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 4249 Watson Rd Saint Louis Mo 63109 or call (636) 728-3333 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Services

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 supports your financial goals across various sectors with $80,651 in used auto loans and $3,113,337,953 in total loans and leases.

Member Savings Security

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 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.

Solid Financial Position

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. Whether you're interested in financing a brand-new model or a reliable used car, we have options that can fit your budget.

Business Loans

For business owners in our community, we provide outstanding commercial loans totaling $28,196,888. These funds can help businesses grow and thrive in an ever-changing market. At First Community, we strive to create lending solutions that empower our members. Explore your options today and take the next step towards achieving your financial dreams! All 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 Card Loans

For those looking for added flexibility in managing finances, we also offer unsecured credit card loans with a total of $49,880,333 available. These cards come with benefits that make everyday purchases easier while allowing you to build credit effectively.

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. We offer competitive rates and flexible terms designed to fit various financial situations. If you're considering refinancing your current mortgage, our team is ready to assist you with eligibility options to ensure you get the best deal possible.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring 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 loan offers are not only accurate but also fair and transparent. You can trust that the information you receive reflects current market conditions and legitimate lending practices.

First Community

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Introduction

Branch History & Mission

Commitment to Innovation

Join Us!

Our Journey

Our Mission Statement

Branch Location & Accessibility

Accessibility Features

Connect With Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Comprehensive List Of Services

Business Banking Services

Convenient Digital Banking

Credit Cards with Benefits

Drive-Thru and ATM Services

Home Financing Made Easy

Personal Banking Solutions

Digital & Online Banking

Key Features

Financial Strength

Growing Membership Base

Investing Back into Our Services

Member Savings Security

Operational Efficiency

Solid Financial Position

Loan Offering

Auto Loans

Business Loans

Credit Card Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

Ensuring Accurate Comparisons

Join Our Community