First Pace Credit Union West St Paul MN | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Pace Credit Union, your trusted financial partner in the heart of West St Paul, Minnesota. Located at 161 Marie Ave E, we have proudly served our community since 1963, providing personalized banking solutions tailored to meet your needs. With a dedicated membership of 933 and total assets amounting to an impressive $9,315,440, we are committed to empowering our members through exceptional service and strong financial support. At First Pace, we believe that every member deserves a bank that truly cares about their financial journey. Our team, led by CEO Chris Lamminen and Board President John Knetter, is here to assist you with everything from checking and savings accounts to auto loans, mortgages, and personal loans. We have successfully funded 332 loans for our members and offer total deposits of $609,767, showcasing our stability and dedication to helping you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to 161 Marie Ave E, West St Paul, MN 55118-4004. Whether you're looking to save for a dream vacation or secure financing for your next vehicle, our friendly staff is available during lobby hours: Monday, Wednesday, and Friday from 10:00 AM to 5:00 PM; Tuesday and Thursday from 10:00 AM to 2:00 PM. Explore the wide range of services we offer through our website at First Pace Credit Union or call us at 651-451-8495 to learn more about how we can assist you today! Join us in building a brighter financial future together your path starts here!

Branch History & Mission

Welcome to First Pace Credit Union, a cornerstone of financial support and community service in West St Paul, MN. Founded in 1963, we have proudly served our members for over six decades, growing from humble beginnings into a trusted financial institution with a strong commitment to our community. Our journey has been marked by milestones that reflect our dedication to helping individuals achieve their financial goals while fostering a sense of belonging. Located at 161 Marie Ave E, West St Paul, MN 55118, we are conveniently situated near local landmarks, making it easy for our members to access the services they need. With a total membership of 933 and assets totaling $9,315,440, we have built a solid foundation that allows us to offer competitive financial products and services tailored to our members' needs. At First Pace Credit Union, our mission is simple yet powerful: to provide exceptional financial services while promoting financial literacy and community well-being. We believe that everyone deserves access to quality banking solutions that empower them to succeed. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we strive to meet your unique needs with care and professionalism. While members can visit us at 161 Marie Ave E West St Paul Mn 55118, official correspondence should be sent to 161 Marie Ave E, West St Paul, MN 55118-4004. Our operating hours are designed for your convenience: we are open Monday, Wednesday, and Friday from 10:00 AM to 5:00 PM, and Tuesday and Thursday from 10:00 AM to 2:00 PM. Although we currently do not offer ATM or drive-thru services, we provide robust online and mobile banking options for easy access to your accounts anytime, anywhere. We also recognize the importance of being accessible to all community members. Our facilities are ADA compliant, ensuring everyone can benefit from our services without barriers. We take pride in our partnerships with local organizations and schools, working together on outreach programs that promote financial wellness throughout the area. As we continue this journey together, we invite you to join First Pace Credit Union. Experience firsthand the benefits of being part of a credit union that truly cares about its members and the community. Explore how we can help you reach your financial goals today!

Branch Location & Accessibility

Accessibility Features

At First Pace, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring everyone can visit us without hassle. Plus, there's ample parking available right outside our doors so you can get in and out quickly.

Connect with Us

If you have any questions or need assistance before your visit, don't hesitate to give us a call at 651-451-8495. We look forward to welcoming you into the First Pace family come see us today!

Operating Hours

We understand that life gets busy! That's why we offer flexible operating hours tailored to fit your schedule. You can visit us on Monday, Wednesday, and Friday from 10:00 AM to 5:00 PM, or drop in on Tuesday and Thursday from 10:00 AM to 2:00 PM. Our dedicated team is ready to assist you during these times.

Services Offered

At First Pace Credit Union, we provide a range of services designed with your needs in mind. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also offer online and mobile banking options so you can manage your finances anytime and anywhere. While we currently do not have ATM availability or drive-thru services at this location, our friendly staff is always ready to help with cash withdrawal services directly inside the branch.

Member Eligibility

At First Pace, we believe that everyone deserves the opportunity to join a welcoming community where your financial needs are prioritized. If you're looking to become a member, it's simple! You can qualify for membership if you live, work, worship, or attend school in the area around our branch at 161 Marie Ave E West St Paul Mn 55118. We aim to create an inclusive environment where every member feels valued and supported. The benefits of being part of our credit union include access to personalized banking services, lower loan rates, and various financial products tailored just for you. To get started with opening your account, head over to our easy-to-navigate account opening page here: https://www.loanliner.com/loanrequest/presenter/loanlist/02206637/1550?cuid=02206637&loanlistid=1550&channelid=5227474913182181125&locationid=7403800107144144230 . If you have any questions or need assistance during the process, don't hesitate to reach out to us at (651) 451-8495. For more detailed information about eligibility requirements, please visit our website at . We're excited to welcome you into the First Pace family!

Business Banking & Commercial Services

Business Loan Options

Imagine securing the funds you need to purchase new equipment or expand your facilities. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. For those outside our membership, 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, having the right tools can make all the difference. Our merchant services simplify payment processing so you can focus on what matters most serving your customers. From credit card processing to online payment solutions, we provide practical support that helps your business thrive. Visit us at 161 Marie Ave E West St Paul Mn 55118 in West St Paul, MN, or call us at (651) 451-8495 to learn more about how we can partner with you for success!

Comprehensive List Of Services

Business Banking

For small business owners, First Pace offers specialized services like merchant services and business loans to support your entrepreneurial journey. We know that managing a business requires reliable banking solutions, so we aim to make it easier for you to focus on what matters growing your business.

Cash Withdrawal Services

While we don't have ATMs on-site, our branch is equipped to assist with cash withdrawals during lobby hours. Feel free to stop by during our operating hours: Monday, Wednesday, and Friday from 10:00 AM - 5:00 PM; Tuesday and Thursday from 10:00 AM - 2:00 PM. At First Pace Credit Union, we strive not only to meet but exceed your expectations when it comes to banking services. With personalized assistance and a commitment to member satisfaction, we invite you to explore how we can assist you in achieving your financial goals. For more information or if you have questions about any of our services, don't hesitate to give us a call at 651-451-8495 or visit us online at firstpacecu.com. Join us today at First Pace where your financial success is our priority!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can access your accounts anytime, anywhere, allowing you to check balances, transfer funds, or pay bills with just a few taps on your smartphone. Our platform even supports person-to-person payments, making it simple to send money to friends or family without any hassle.

Personal Banking

Our personal banking services cater to your everyday financial needs. We offer checking and savings accounts that help you manage your money efficiently. If you're planning to purchase a new car or need financing for a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. For those considering homeownership or looking to refinance an existing mortgage, our mortgage loans and refinancing services can guide you through the process with ease. In addition, we understand that unexpected expenses can arise. That's why our personal loans and debt consolidation options are designed to help you regain control of your finances when you need it most. Plus, if you're looking to earn rewards on your purchases, check out our credit cards with rewards, which offer great benefits tailored just for you.

Digital & Online Banking

Key Features

Need to send money quickly? Our person-to-person transfer service lets you do just that, allowing you to share funds with friends and family instantly. Plus, if you're always on the move, you'll love our mobile application, which brings all these features right to your smartphone. You can even make mobile payments, making transactions faster than ever. For those who prefer going paperless, we offer e-statements that allow you to receive your account statements electronically. This not only reduces clutter but also helps you keep track of your finances more efficiently. Although we do not provide electronic signature authorization at this time, rest assured that our services are designed with your security in mind. Managing your accounts has never been easier or more secure. With all these options at your fingertips, First Pace is committed to providing you with a banking experience that fits seamlessly into your lifestyle. Explore our digital banking solutions today and take control of your finances like never before!

Financial Strength

A Growing Member Base

Total Share Accounts stand at 1,349, showcasing a strong and growing member base that trusts us with their finances. We are dedicated to building lasting relationships with each member who walks through our doors. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Pace is your trusted partner. Visit us at 161 Marie Ave E West St Paul Mn 55118 or call 651-451-8495 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.

Member-Centric Savings

Members' savings are secured through $1,963,949 in share certificates and $492,210 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 operations reflect our dedication to efficiency with a net income of -$101,641, which shows we're actively managing resources while planning for future growth. We also take pride in having 3 full-time employees ready to assist you with personalized service.

Reinvestment for Improvement

With $1,588,968 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 members' financial goals across various sectors with $5,473,947 in total loans and leases and 113 used auto loans.

Strong Financial Health

With a net worth of $1,713,818, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1840 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

Additional Services

In addition to these key loan offerings, First Pace also provides credit lines totaling $550,000 for those looking for additional flexibility in their financial planning. Our commitment extends beyond just loans; we aim to support our members with comprehensive services including online and mobile banking options. If you're interested in exploring refinancing options or checking your eligibility for any of our loans, feel free to reach out. Our friendly team at 161 Marie Ave E, West St Paul, MN 55118 is ready to assist you with any questions you might have. For more information about our loan products or to discuss how we can help you meet your financial goals, give us a call at 651-451-8495. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. First Pace is dedicated to helping you find the right financial solutions tailored just for you!

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued over $1,664,474 in used vehicle loans and $871,077 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used option, our team is here to guide you through the process.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $1,137,373, making buying or refinancing simple. We understand that purchasing a home is one of the most significant decisions you'll make. That's why we offer competitive rates and flexible terms to fit your budget.

Unsecured Credit Card Loans

Managing finances can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. Although we currently have no outstanding amounts in this category, our approach remains focused on providing solutions that empower our members financially.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable tool like LendMesh is crucial for making informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This adherence guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). By focusing on verified institutions, LendMesh maintains a level of integrity and trustworthiness that is essential in today's financial landscape. One of the standout features of LendMesh is its commitment to providing verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency for users. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings here. This means that every comparison is genuinely unbiased, allowing users to see all their options clearly without hidden agendas. The platform also provides real-time rate comparisons from multiple institutions. This up-to-date information helps users make informed decisions about their loans, ultimately saving them time and money. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to find the best rates for your needs, compare real-time loan offers today at LendMesh. 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.

FIRST PACE CREDIT UNION