First Missouri Credit Union Saint Louis MO | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Missouri, your trusted partner in financial services since 1927. Nestled at 4102 First Missouri Cu Dr, Saint Louis, MO 63129, our South County Branch is dedicated to serving our community with a personal touch. With over 7,800 members and total assets amounting to an impressive $110,033,944, we pride ourselves on being a reliable choice for all your banking needs. At First Missouri, we understand that financial decisions can feel overwhelming. That's why we're here to simplify the process and offer tailored solutions just for you. Whether you're looking for checking and savings accounts, auto loans, or business banking options, our friendly team is ready to assist you. Our commitment to excellence is reflected in our total deposits of $4,125,218 and a net worth of $11,828,341, ensuring that your money is secure with us. While members can visit us at our branch address for in-person assistance, any official correspondence should be sent to our mailing address: 1690 Lemay Ferry Rd, Saint Louis, MO 63125. Led by CEO Steve Poniewaz and Board President Michael Stemmler, our team of 28 dedicated employees works tirelessly to ensure you receive the best service possible. We believe that strong leadership fosters a sense of community and trust among our members. Explore our range of services today by visiting our website at 1stmocu.org. If you have any questions or need assistance, don't hesitate to give us a call at 314-544-5050. Join us at First Missouri and experience the difference of being part of a credit union that truly cares about its members!

Branch History & Mission

At First Missouri, we take great pride in our rich legacy and commitment to serving the community. Since opening our doors in 1927, we've grown alongside our members in Saint Louis, MO, becoming a trusted financial partner for over 7,800 individuals and families. Our branch, located at 4102 First Missouri Cu Dr, is not just a place to manage finances; it's a hub of support and connection for our community. Throughout the years, First Missouri has achieved remarkable milestones while staying true to our mission: to provide exceptional financial services that empower our members and enhance their lives. With total assets of over $110 million, we are well-equipped to offer a range of services from personal banking and auto loans to business financing and online banking options. We continually adapt to meet the evolving needs of our members, ensuring everyone can access essential financial tools. While members can visit us at 4102 First Missouri Cu Dr, official correspondence should be sent to our mailing address at 1690 Lemay Ferry Rd, Saint Louis, MO 63125. This convenient location is easily accessible for those in the area, allowing us to connect with you personally. Our mission goes beyond just banking; it's about building relationships and supporting our community. We actively engage in local outreach initiatives and partnerships that strengthen the bonds within Saint Louis. Whether through financial literacy programs or community events, we strive to uplift those around us. In addition to traditional banking services, First Missouri embraces digital advancements. Members can enjoy the benefits of online banking, mobile payments, and an ATM available on-site for easy access to cash. Our drive-thru service ensures that banking remains convenient for everyone whether you're making deposits or quick transactions. As we look towards the future, we invite you to join us on this journey. Experience the difference that comes with being part of First Missouri. Together, let's build a brighter financial future for you and your family. For more information or assistance, feel free to call us at 314-544-5050 or visit First Missouri's website. Your journey starts here!

Branch Location & Accessibility

A Convenient Spot for Your Banking Needs

Nestled in the heart of Saint Louis County, our branch is easily accessible, making it a breeze for you to manage your finances. Whether you're coming from nearby landmarks or just passing through, you'll find us right where you need us. Our location is designed with your needs in mind, featuring ample parking and ADA-compliant accessibility options, so everyone can visit us comfortably. While members can visit us at 4102 First Missouri Cu Dr, official correspondence should be sent to our mailing address at 1690 Lemay Ferry Rd, Saint Louis, MO 63125.

Friendly Banking Hours

We know life gets busy! That's why we've tailored our operating hours to fit your schedule. You can drop by Monday through Friday from 9:00 AM to 5:30 PM. If you're looking to take care of business on Saturday, our drive-thru service welcomes you from 9:00 AM until noon.

Let's Connect!

Ready to experience personalized banking? We invite you to visit us at First Missouri's South County Branch today! If you have any questions or need assistance before stopping by, don't hesitate to give us a call at 314-544-5050. We look forward to serving you!

Services Just for You

At First Missouri, we offer a variety of services designed to meet your unique financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need quick access to cash? Our ATM is available for all your withdrawal and balance check needs. Plus, with our drive-thru banking option, simple transactions like deposits and withdrawals can be completed without leaving your vehicle. If you're a member of a partnering credit union, feel free to use our shared services for basic transactions as well!

Member Eligibility

At First Missouri, we believe that everyone deserves a supportive community to help them achieve their financial goals. Becoming a member is simple and welcoming, and we invite individuals who live, work, worship, or attend school in the St. Louis area to join us. It's not just about access to great financial services; it's about being part of something bigger a family that cares about your success. For specific eligibility details, you can check out our resource at http://www.1stmocu.org/aboutus.aspx?id=aboutus. Once you're ready to open an account, you'll find that the process is straightforward and friendly. Whether you're looking for savings options or loans, our dedicated team is here to guide you every step of the way. If you have any questions or need assistance, don't hesitate to call us at (314) 544-5050. We're excited to welcome you to the First Missouri community at 4102 First Missouri Cu Dr Saint Louis Mo 63129!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a payment processing solution that fits your needs perfectly. Our merchant services provide you with user-friendly options to accept payments seamlessly. Whether you're running a small café or managing a retail store, our services help streamline transactions, allowing you to focus more on what you do best serving your customers. Located at 4102 First Missouri Cu Dr Saint Louis Mo 63129 in Saint Louis, MO, we're here to help your business thrive. Connect with us today at (314) 544-5050 and discover how we can assist you on your path to success!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $250 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $10,004,580, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services for Your Convenience

We also offer essential services like ATM access for cash withdrawals and basic drive-thru banking for quick transactions. If you're a member of a partner credit union, enjoy shared branch transactions such as deposits and withdrawals without hassle. At First Missouri, we prioritize accessibility and ease of use in all our services. For any questions or more information about how we can assist you further, don't hesitate to call us at (314) 544-5050 or visit us at our branch location in Saint Louis, MO. Ready to take control of your finances? Explore all that we have to offer today!

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking features let you manage your accounts anytime, anywhere. Whether it's checking balances or making payments, digital access simplifies your banking experience.

Home Sweet Home

If owning a home is part of your dreams, our mortgage loans and refinancing services can guide you through the process. From first-time homebuyers to those looking to refinance an existing mortgage, our team is here to assist you every step of the way.

Personal Banking Solutions

Whether you're looking to open a new checking or savings account, or need assistance managing your current finances, we offer a variety of personal banking services. You can easily set up checking and savings accounts that fit your lifestyle, ensuring that managing your money is straightforward and efficient.

Personal Loans for Your Needs

Sometimes life throws unexpected expenses your way. With our personal loans and debt consolidation options, you can manage those costs effectively. Whether it's for home repairs, medical bills, or consolidating credit card debt, we provide solutions that can ease your financial burden.

Rewards on Every Purchase

Our credit cards with rewards allow you to earn points for every dollar spent. Enjoy benefits like cash back and travel rewards that make every purchase worthwhile.

Supporting Local Businesses

For entrepreneurs and small business owners, our business banking services include merchant services and business loans tailored specifically for you. We understand the unique challenges faced by local businesses and are dedicated to supporting your growth.

Vehicle Financing Made Easy

Planning to buy a new car? Our auto loans and vehicle financing options are designed to help you hit the road without breaking the bank. With competitive rates and flexible terms, financing your next vehicle becomes a simple task.

Digital & Online Banking

Accessibility and Real-Time Management

One of the standout features of our digital banking service is the ability to send money directly to friends or family through person-to-person transfers. This means no more waiting for checks to clear; just quick and easy transactions whenever you need them. With all these options at your fingertips, managing your finances has never been easier. Our commitment to providing accessible and efficient online banking ensures that you can handle everything from simple transactions to complex financial planning without any hassle. Experience the future of banking today by visiting us online at https://1stmocu.org/!

Key Features

Our online banking platform allows you to keep track of your finances effortlessly. Whether you're checking your balance, transferring funds, or paying bills, everything can be done with just a few clicks. If you prefer a mobile experience, our user-friendly mobile application makes banking on-the-go a breeze. You can even make mobile payments with ease, allowing you to pay for goods and services right from your smartphone. For those who enjoy paperless solutions, we provide e-statements that help you stay organized while being environmentally friendly. Simply sign up to receive all your statements electronically, so you never miss an important update. And while electronic signatures are not currently offered at First Missouri, rest assured that our other features prioritize your security and convenience.

Financial Strength

At First Missouri, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $11,828,341, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,073 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $14,421,575 in share certificates and $11,263,157 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $9,579,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to growth is reflected in our $11,538,340 in undivided earnings. We reinvest this into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $17,070 in used auto loans and $81,485,001 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Despite challenges, our operational efficiency shines through with a net income of $0. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 28 full-time employees ready to assist you with any inquiries or services you may need. Net Shares available for lending and investments stand at $0, showcasing our ability to support your financial needs actively. Our member base continues to grow robustly, with a total of 13,254 share accounts demonstrating the trust placed in us by our community. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Missouri is your trusted partner. Visit us at 4102 First Missouri Cu Dr Saint Louis Mo 63129 or call (314) 544-5050 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $35,547,900 in used vehicle loans and $7,618,822 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates so you can drive off with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $10,004,580 provide the capital needed to grow and expand your business. We understand how vital it is for businesses to have access to funds when they need them most. At First Missouri, we strive to make borrowing as straightforward as possible. If you're considering refinancing or want more information about eligibility options for any of our loan products, please don't hesitate to ask us or visit our website at 1stmocu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what your financial journey looks like, First Missouri is here every step of the way. Let's work together toward achieving your financial goals!

Credit Cards and Personal Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,665,363 in loans helping members manage their finances effectively. This product allows you to consolidate debt or handle unexpected expenses without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $18,654,692, ensuring that you have access to the financing needed for your dream home.

Loan Aggregator

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Real-Time Rate Comparisons

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Verified Data

Loan offers on LendMesh come from legitimate financial institutions. This guarantees that users receive information they can trust, eliminating uncertainty in the loan shopping process.

First Missouri