Patriot Credit Union Saint Louis MO | Affordable Auto Loans & Business Banking

Introduction

Welcome to St. Bernadette Credit Union, your trusted partner in financial well-being since 1958. Nestled at 4343 Telegraph Rd, Saint Louis, MO 63129, we have proudly served our community for over six decades, fostering a spirit of trust and support among our 1,527 members. At St. Bernadette, we understand that every financial journey is unique, and we're here to help you navigate yours with personalized services tailored just for you. Our commitment to the community shines through not just in our services but also in our impressive financial standing. With total assets exceeding $15,217,404 and total deposits of $624,886, we are a stable and reliable choice for your banking needs. We also take pride in our ability to offer diverse loan options currently managing 657 loans and leases that cater to personal and business needs alike. Led by our dedicated CEO, Peter Erbe, and Board President, Zack Rasure, our small but mighty team of just 3 employees is passionate about delivering quality service with a personal touch. Whether you're looking for auto loans, mortgage refinancing, or business banking solutions, we've got you covered. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 4343 Telegraph, Oakville, MO 63129. We invite you to discover how St. Bernadette Credit Union can make a positive impact on your financial life. Give us a call at 314-892-6325 or explore more about us at www.patriotcu.com. Your future starts here!

Branch History & Mission

Community Engagement

We understand that community engagement is essential for building lasting relationships. That's why we actively participate in local events and initiatives aimed at improving the lives of those around us. By partnering with schools, non-profits, and local businesses, Patriot strives to create opportunities for growth within Saint Louis.

Join Us

As we look towards the future, we invite you to become part of our story. Join Patriot today and experience the benefits of being a member-focused credit union. With personalized service, competitive rates, and a commitment to your financial success, we're excited about helping you achieve your goals. For more information or assistance, feel free to call us at (314) 892-6325 or visit us during our operating hours: 9 AM - 5:30 PM on Monday, Tuesday, Thursday; 9 AM - 6 PM on Wednesday; and 9 AM - Noon on Saturday. Together with you, we'll continue building a brighter financial future!

Our Evolution

Since opening our doors, Patriot has continually evolved to meet the needs of our community. With total assets reaching an impressive $15,217,404, we have established ourselves as a cornerstone of financial stability and support. Over the years, we have expanded our offerings to include personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. In addition to these services, we are proud to provide business banking solutions that cater to local entrepreneurs. Our dedication to innovation is evident in our digital advancements. We offer online and mobile banking options that allow members to manage their finances anytime, anywhere. Our commitment to accessibility is further highlighted by our ADA-compliant facilities and services.

Our Mission

At the heart of Patriot's mission is a strong desire to empower individuals and families through financial education and support. We believe that everyone deserves access to quality financial services that promote growth and stability. Our mission statement emphasizes not only providing exceptional financial products but also fostering community relationships through outreach efforts and partnerships. While members can visit us at 4343 Telegraph Rd Saint Louis Mo 63129, official correspondence should be sent to 4343 Telegraph, Oakville, MO 63129. We are dedicated to being there for our members not just during business hours Monday through Saturday but also as a reliable source of information and assistance whenever needed.

Branch Location & Accessibility

Welcome to the St. Bernadette Credit Union, your friendly financial partner located at 4343 Telegraph Rd in beautiful Saint Louis, MO. Nestled conveniently near local landmarks and accessible from main roads, our branch is designed to make your banking experience smooth and welcoming. Whether you're stopping by for a quick transaction or exploring our wide range of services, we're here to support you. If you're sending us official correspondence, please note that our mailing address is 4343 Telegraph, Oakville, MO 63129. Our branch offers ample parking and features that ensure easy access for everyone, including ADA compliance for those with mobility challenges. At St. Bernadette Credit Union, we pride ourselves on being available when you need us. Our operating hours are Monday, Tuesday, and Thursday from 9 AM to 5:30 PM; Wednesday and Friday from 9 AM to 6 PM; and Saturday from 9 AM to Noon. Feel free to call us at 314-892-6325 if you have any questions or need assistance! For those on the go, we provide ATM services that allow you to manage your funds easily. While we don't have drive-thru banking available right now, our team is always ready to assist you inside the branch with a variety of services ranging from personal checking and savings accounts to auto loans and mortgage refinancing. We invite you to visit us at St. Bernadette Credit Union today! Experience how we can help you achieve your financial goals with personalized service tailored just for you.

Member Eligibility

At Patriot, we believe that becoming a member is not just about opening an account; it's about joining a community that cares about your financial well-being. To be eligible for membership, you simply need to live, work, worship, or attend school in our service area. We welcome individuals who share our commitment to building a strong financial future together. If you want to learn more about the specific eligibility criteria, feel free to check out this link for detailed information. Joining Patriot is easy and rewarding! Once you're ready to become a member, opening an account is straightforward and can be done right at our branch located at 4343 Telegraph Rd Saint Louis Mo 63129. If you have any questions or need assistance, don't hesitate to reach out to us at (314) 892-6325. We're here to help you take the first step toward better banking!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 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 $206,203, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer essential merchant services designed to make daily transactions easier for your business. Whether you need point-of-sale solutions or online payment options, our services can streamline your operations, allowing you to focus on what you do best running your business. Located at 4343 Telegraph Rd Saint Louis Mo 63129 in Saint Louis, MO, we're here to support your journey toward success. Let us help you achieve your goals today! For more information, give us a call at (314) 892-6325.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, Patriot has got you covered too! Our Business Banking services include merchant services and business loans tailored to help your company grow. We know how important it is for businesses to have reliable financial support, and we're here to provide just that.

Convenient Access

Accessing your account is simple and straightforward with our Online & Mobile Banking options. Need to make a quick withdrawal? Use our ATM services available at our branch located at 4343 Telegraph Rd Saint Louis Mo 63129 in Saint Louis. You can withdraw cash or check balances anytime during our operating hours: 9 AM to 5:30 PM Monday, Tuesday, Thursday; 9 AM to 6 PM Wednesday; and 9 AM to Noon Saturday. At Patriot, we prioritize convenience and accessibility in everything we do. Whether you're looking for a loan, want to open an account, or need assistance managing your finances, our team is here for you.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards! Earn points on every purchase and redeem them for exciting rewards. Whether it's cash back or travel perks, having a credit card that works for you can make everyday spending more rewarding.

Get Started Today!

Ready to explore the various financial services we offer? Don't hesitate give us a call at (314) 892-6325 or visit us at 4343 Telegraph Rd Saint Louis Mo 63129 in Saint Louis, MO. Let's work together toward achieving your financial goals!

Personal Banking Services

We understand that managing your personal finances can be challenging. That's why we offer Personal Banking services that include checking and savings accounts to help you keep track of your money. With these accounts, you can easily access your funds through our online banking platform or at our convenient ATM location. Imagine being able to check your balance or transfer funds from the comfort of your home it's all possible with our digital banking features. When it comes to financing major purchases like a car or home, we provide Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options. Picture driving off in that new car you've always wanted or securing the perfect home for your family. Our friendly staff is here to guide you through the loan process, ensuring you find terms that fit your budget. For those unexpected expenses or plans that require extra cash, consider our Personal Loans & Debt Consolidation services. We aim to help simplify your financial obligations, making it easier for you to focus on what matters most.

Digital & Online Banking

Key Features for Your Convenience

With our online banking, you can manage your accounts anytime. View balances, transfer funds, and pay bills with just a few clicks. If you prefer to keep track of your statements digitally, we offer e-statements for easy access and organization. Say goodbye to paper clutter! Need to send money quickly? Our person-to-person transfer service makes it simple to share funds with friends and family without any hassle. Plus, if you're always on the move, you'll appreciate our mobile application, which lets you handle all your banking needs right from your smartphone.

Security You Can Trust

Your security is a top priority at Patriot. While we currently don't support electronic signature authorization, rest assured that all transactions made through our online platforms are protected by robust security measures. This ensures that your personal information and finances remain safe while you enjoy the convenience of banking from anywhere.

The Ease of Mobile Banking

Although we don't have mobile payments available yet, our mobile app provides a straightforward way to manage your accounts on the go. Whether checking balances or making transfers, you'll find everything you need right at your fingertips. In summary, Patriot is committed to providing accessible and efficient digital banking solutions tailored to meet your needs. With features like 24/7 online access and person-to-person transfers, managing your money has never been easier!

Financial Strength

Committed Team

We also take pride in having 2 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Our staff is dedicated to making your banking experience as seamless as possible.

Diverse Lending Capacity

We support members' financial goals across various sectors with $330 in used auto loans and $13,596,576 in total loans and leases. Our diverse lending capacity means you can rely on us for financing when you need it most.

Focused on Members

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. Your financial well-being is our top priority.

Growing Member Base

Total Share and Deposit Accounts: 2,973, showing a strong and growing member base that trusts us with their finances. Your participation helps build a robust community around Patriot, reinforcing the trust others place in us. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Patriot is your trusted partner. Visit us at 4343 Telegraph Rd Saint Louis Mo 63129 or call (314) 892-6325 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $116,978 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. This performance is key to sustaining the quality services you expect from us.

Reinvestment for Growth

With $824,796 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This strategy allows us to continuously improve and adapt to meet your needs effectively.

Secure Savings Options

Members' savings are secured through $1,731,564 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize your savings by providing options that help you grow your wealth securely.

Solid Capital Foundation

Our net worth ratio of $800 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This strength enables us to navigate challenges while keeping our focus on serving our members.

Strong Net Worth

With a net worth of $1,217,478, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This level of net worth reflects our commitment to ensuring that we are financially equipped to meet your needs today and in the future.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,579,513 in used vehicle loans and $2,244,788 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make it easier for you to drive off with your dream vehicle.

Commercial Loans

For business owners, our outstanding commercial loans totaling $206,203 provide the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and are committed to supporting your venture with tailored loan solutions. If you're interested in refinancing any existing loans or checking eligibility options, don't hesitate to reach out! Our team is available at (314) 892-6325 to discuss how we can assist you further. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at Patriot, where we're ready to help you take the next step toward achieving your financial dreams!

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we offer credit lines totaling $500,000 for those who need access to quick funds. This can be ideal for unexpected expenses or ongoing projects. Additionally, we have flexible terms on unsecured credit card loans. Currently, we have $0 in unsecured credit card loans assisting members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,395,012, make buying or refinancing simple. Whether you are a first-time homebuyer or looking to refinance an existing mortgage, our experienced staff can guide you through the process and help you find the right solution.

Loan Aggregator

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Ensuring Accurate Loan 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 commitment to accuracy ensures that users receive fair and transparent offers, helping them find the best rates tailored to their needs.

Patriot