Members First Credit Union Mercy Saint Louis MO | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mercy, your trusted financial partner in the heart of Saint Louis, Missouri! Located at 621 S New Ballas Rd Ste 72B, our branch has been proudly serving the community since 1975. With over 14,577 members and a commitment to helping you achieve your financial goals, we are more than just a credit union; we are your neighbors dedicated to providing exceptional service. At Mercy, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your needs from personal banking solutions like checking and savings accounts, to auto loans and mortgage refinancing options. Our total assets stand at an impressive $82,533,899, ensuring that we have the resources to support you every step of the way. You can trust us with your finances as we maintain a solid net worth of $9,269,419 and total deposits exceeding $8,419,595. Under the leadership of our CEO, Tammy Rowden, and Board President, Christopher Bos, our team of 23 dedicated employees is here to assist you with expert advice and personalized service. Whether you're looking for credit cards with rewards or business banking solutions, we've got you covered. While you can visit us directly at our branch location, for official correspondence please send mail to our address: 621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141-8235. If you have any questions or need assistance, feel free to reach out by phone at 314-251-4540. Join us at Mercy today and discover how we can help you navigate your financial future with confidence! For more information about our services or to explore membership options, please visit our website at mymercycu.com. We look forward to welcoming you into our community!

Branch History & Mission

Commitment to Community

Mercy is more than just a credit union; we are deeply rooted in the Saint Louis community. Our mission extends beyond financial services; we aim to uplift and support those around us through partnerships with local organizations and outreach programs. From sponsoring community events to offering educational workshops on financial literacy, we strive to make a positive impact. While members can visit us at our branch address for face-to-face assistance during our operating hours from 8 AM to 4:30 PM Monday through Friday, official correspondence should be sent to our mailing address: 621 S New Ballas Rd Ste 72B, Saint Louis, MO 63141-8235.

Join Us

As we look ahead, our commitment remains steadfast. With available ATMs and shared service centers nearby for your convenience, we're here to serve you better every day. We invite you to become part of the Mercy family. Experience the benefits of membership today by contacting us at 314-251-4540 or visiting our website at mymercycu.com. Together, let's build a brighter financial future!

Our Evolution

Since opening our doors, Mercy has evolved significantly. We began as a small credit union focused on providing essential financial services to local residents. Over the years, we've expanded our offerings to include personal banking accounts, auto loans, mortgages, and business banking solutions. Our mission has always been clear: to empower our members with financial knowledge and resources that foster growth and stability. Our headquarters in Springfield, MO serves as a hub for innovation and support. As we grew, we embraced digital advancements that enhance member experience while maintaining ADA compliance to ensure accessibility for all. Today, we offer online banking services that allow members to manage their finances conveniently from anywhere.

Branch Location & Accessibility

Welcome to Mercy's St Louis Mo Branch, conveniently located at 621 S New Ballas Rd Ste 72B in Saint Louis, MO. Whether you're a longtime member or considering joining our community, you'll find our branch is easily accessible and designed with your banking needs in mind. Situated near popular landmarks, getting to us is simple, making it easy for you to handle your financial matters. While members can visit us at 621 S New Ballas Rd Ste 72B, official correspondence should be sent to the same address. Our branch is not just about convenience; we prioritize accessibility for all members. We are proud to offer ADA-compliant features such as ramps and designated parking spots to ensure everyone can visit us comfortably. Our lobby hours are welcoming too! We're open from 8 AM to 4:30 PM Monday through Friday, giving you plenty of time to stop by before or after work. If you prefer managing your banking on the go, we also provide ATM services for quick cash withdrawals and balance checks. We understand that some of our members may need additional support, which is why we offer shared services. This means you can access basic transactions like deposits and withdrawals even if you're a member of partner credit unions. Although we don't have drive-thru banking at this location, our friendly staff is always ready to assist you inside. Have questions or need assistance? Don't hesitate to reach out! You can call us at 314-251-4540. We invite you to visit us soon and discover how Mercy can help you achieve your financial goals!

Member Eligibility

At Mercy, we believe that everyone deserves a chance to be part of a caring community where your financial needs are prioritized. Becoming a member is simple and welcoming! If you live, work, or worship in the area surrounding our branch at 621 S New Ballas Rd Ste 72B Saint Louis Mo 63141, you're likely eligible to join us. We cherish our members and offer a range of benefits that include competitive loan rates, personalized service, and access to online banking tools that make managing your finances easier than ever. To learn more about the specific eligibility requirements or to see if you qualify, please visit this page. If you have questions or need assistance, don't hesitate to give us a call at (314) 251-4540. We're here to help guide you through the easy process of opening an account and becoming part of our family!

Business Banking & Commercial Services

Business Loan Options

Imagine a local bakery that dreams of expanding its menu and opening a second location. With our flexible financing options, they can turn that dream into reality. 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. - 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

Beyond loans, we provide essential merchant services that make transactions easier for your business. Picture a busy café using our payment processing solutions to accept credit cards swiftly. This not only enhances customer satisfaction but also streamlines operations. For more information on how we can help your business thrive, visit us at 621 S New Ballas Rd Ste 72B Saint Louis Mo 63141 in Saint Louis, MO, or call us at (314) 251-4540. Let's work together to make your business goals a reality!

Comprehensive List Of Services

Business Banking

For small business owners, our Business Banking services include everything from Merchant Services to help streamline payment processing to tailored Business Loans designed to support your growth and success.

Community Focused

We believe in fostering community connections through basic ATM access that includes withdrawals and balance checks. As part of our commitment to serving all members, we provide basic shared branch transactions like deposits and withdrawals for partner credit union members. With a dedicated team ready to assist you at every turn, we encourage you to reach out with any questions or visit us in person. Call us at 314-251-4540 during our lobby hours from 8:00 AM - 4:30 PM Monday through Friday. Join the Mercy family today and discover how we can help support your financial journey! For more information about our services or to get started online, visit us at mymercycu.com.

Convenient Access

At Mercy, convenience is key. Our Online & Mobile Banking platforms ensure that managing your money is as simple as tapping on an app. Plus, with our ATM & Cash Withdrawal Services available at various locations and basic shared branch transactions for partner credit union members, accessing cash has never been easier.

Credit Cards and Rewards

We also offer Credit Cards with Rewards, allowing you to earn points for everyday purchases that can be redeemed for travel, merchandise, or cash back. It's like getting rewarded for spending wisely!

Personal Banking

Starting with your everyday banking needs, we offer Checking & Savings Accounts designed to help you manage your finances with ease. Imagine having access to your funds whenever you need them while earning interest on your savings. Our accounts come with online and mobile banking features that allow you to check balances, transfer money, and pay bills right from your smartphone or computer. For those looking to finance their dream vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. This means whether you're buying a new car or refinancing an existing loan, you can find a plan that fits your budget. If homeownership is on your radar, explore our Mortgage Loans & Refinancing services. We understand that purchasing a home is one of the biggest decisions you'll make. That's why we offer personalized guidance through every step of the process, ensuring you find the right mortgage for your situation. Additionally, if you're facing unexpected expenses or want to consolidate debt, our Personal Loans & Debt Consolidation options can help simplify your finances and provide relief when you need it most.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can sign documents digitally, speeding up processes without compromising security. Plus, with e-statements available, you can say goodbye to paper clutter while still keeping track of your transactions effortlessly. If you're someone who enjoys using mobile apps, you'll be pleased to know that we offer a dedicated mobile application. It's perfect for those quick transactions or when you're out running errands. You can even make person-to-person transfers easily just a few taps and you're done! While we currently do not support mobile payments, our focus remains on providing secure online banking solutions that empower you to manage your money effectively. With all these tools at your fingertips, banking has never been more accessible or convenient. Whether you're at home or on the move, Mercy's digital services ensure that you have everything you need to stay on top of your financial goals. We're here to help make banking work for you!

Financial Strength

Growing Membership Base

With a total of 22,940 share accounts, we have a strong and growing member base that trusts us with their finances. This shows how committed our community is to building a secure future together. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mercy is your trusted partner. Visit us at 621 S New Ballas Rd Ste 72B Saint Louis Mo 63141 or call (314) 251-4540 to learn more about how we can help you achieve your financial goals.

Member Savings Security

Members' savings are secured through $7,419,364 in share certificates, offering stable and rewarding financial growth opportunities. While we focus on our members' needs, it's important to note that we have no non-member deposits. This commitment allows us to direct our resources toward benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

While we focus on growth, our operational efficiency is evident through our $0, which enables us to keep offering competitive loan rates and solid financial products for our members. We also take pride in having 21 full-time employees and 2 part-time employees ready to assist you with knowledgeable service.

Reinvesting in Our Community

With $9,269,419 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 illustrated by our portfolio of $64,148,507 in total loans and leases, including $1,591 in used auto loans. This diverse lending approach supports various financial goals for our members.

Strong Capital Foundation

With a net worth of $9,269,419, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,123 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 $21,531,438 in used vehicle loans and $22,710,112 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you can find a loan that fits your budget.

Credit Lines

For added financial flexibility, our total credit lines amounting to $3,000,000 provide quick access to funds whenever you need them. This option allows you to handle unexpected expenses or take advantage of new opportunities without stress.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,165,805, make buying or refinancing simple. We believe in making homeownership accessible and affordable for everyone. Let us assist you through the process with personalized service and expert guidance.

Refinancing Options

If you're considering refinancing any existing loans, we encourage you to reach out. Our team can discuss eligibility options that may help lower your monthly payments or improve your overall financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. For more information about our loan offerings or to speak with one of our representatives, feel free to call us at (314) 251-4540. At Mercy, we're committed to helping our members succeed financially!

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $671,071 in loans helping members manage their finances effectively. These cards come with benefits designed to suit your lifestyle while giving you the freedom to make purchases without tying up your savings.

Loan Aggregator

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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 approach ensures that users receive fair and transparent offers. By using data from credible institutions, LendMesh guarantees that users are comparing legitimate loan options.

MERCY CREDIT UNION