St. Augustine Credit Union Scott City MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to St. Augustine, your trusted partner in financial well-being right here in Scott City, MO! Nestled at 782 County Highway 311, we have proudly served our community since 1933. With a commitment to putting our members first, St. Augustine Credit Union has grown to support 460 members with total assets of $1,626,807 and deposits amounting to $164,953. At St. Augustine, we understand that every member's journey is unique. That's why we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Our focus is on providing you with the tools you need to succeed financially. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be directed to our mailing address: PO Box 6, Kelso, MO 63758. Led by our dedicated CEO, Laurie Essner, and Board President Jack Dannenmueller, our team is here to ensure that your experience with us is as seamless as possible. We pride ourselves on being more than just a credit union; we are a community partner invested in your success. With total loans totaling 74 and a net worth of $198,626, we are well-positioned to help you achieve your financial goals. Whether you're looking for a new vehicle or need assistance managing debt, we're here for you every step of the way. Ready to take the next step? Call us today at 573-270-3724 or stop by our branch to see how we can help you reach your financial aspirations!

Branch History & Mission

Embracing Innovation

As times change, so do we. While we currently do not offer ATM or drive-thru services, we focus on providing excellent personal service during our varied operating hours. We understand the importance of accessibility and are continually exploring ways to improve how we serve you.

Join Us!

As we look toward the future, St. Augustine remains committed to its founding principles of member-focused service and community support. We invite you to join us on this journey! Experience the benefits of being part of a credit union that truly cares about its members and strives for excellence every day. For any inquiries or assistance, please feel free to call us at (573) 270-3724. Your financial journey begins here with St. Augustine!

Our Journey

From our humble beginnings at 782 County Highway 311, St. Augustine has grown alongside our members. With a total asset value of $1,626,807, we are dedicated to helping individuals and families achieve their financial goals. Our journey has been marked by significant milestones and achievements, as we continually strive to enhance the services we offer. While members can visit us at our branch location in Scott City, official correspondence should be sent to PO Box 6 in Kelso, MO. We invite you to experience our warm and welcoming environment where you're not just a number but part of our family.

Our Mission

At St. Augustine, our mission is simple yet powerful: to provide accessible financial solutions that empower our members while actively supporting community initiatives. We believe in fostering financial literacy and stability through personal banking services such as checking and savings accounts, auto loans, mortgage loans, and more. We are also committed to offering business banking solutions that help local enterprises thrive. Our dedication extends beyond banking; we aim to make a positive impact in Scott City by partnering with local organizations and participating in outreach efforts. Together, we work towards building a stronger community where everyone can succeed.

Branch Location & Accessibility

Accessibility Features

At St. Augustine, we understand that accessibility matters. Our branch is designed with features that cater to all members of the community. You'll find ample parking available right outside our doors, making it easy for everyone to visit us. Additionally, our location meets ADA compliance standards, ensuring ramps and other facilities are in place for those who may need them.

Operating Hours & Services

We know your time is valuable! That's why we offer flexible operating hours that vary to accommodate your busy schedule. Feel free to give us a call at 573-270-3724 if you have any questions about when you can stop by or about the services we offer. At St. Augustine, we provide a range of banking solutions tailored just for you whether it's checking and savings accounts, auto loans, mortgage loans, or even credit cards with rewards. While we currently do not have ATM or drive-thru services available, our team is always ready to assist you inside the branch.

Visit Us Today!

We invite you to come and discover what sets St. Augustine apart. Whether you're a long-time member or new to the community, we're here to help with all your financial needs. Stop by today at 782 County Highway 311 in Scott City or give us a call if you have any questions. We look forward to welcoming you!

Member Eligibility

Joining the St. Augustine community means becoming part of a family that values your financial well-being. To become a member of St. Augustine, you simply need to meet a few friendly eligibility requirements. Generally, those who live, work, worship, or attend school in Scott County can easily join us. This means whether you're new to the area or have called it home for years, there's a place for you here! The benefits of membership are plentiful, from personalized banking services to competitive loan rates tailored just for our members. Starting your journey with us is simple! You can visit our branch located at 782 County Highway 311, Scott City, MO 63780, or give us a call at 573-270-3724 for more information. If you're curious about the specific eligibility criteria or want to ensure you have the most current details, check out our website at . We're here to support you every step of the way as you open your account and enjoy all the advantages that come with being part of St. Augustine!

Business Banking & Commercial Services

Merchant Services That Work

Imagine having a reliable partner that streamlines your payment processing. Our merchant services help you accept payments easily, whether online or in-person, allowing you to focus on what you do best running your business. These services not only enhance customer experience but also provide valuable insights into sales trends, helping you make informed decisions. Visit us at 782 County Highway 311 Scott City Mo 63780 in Scott City, MO or call us at (573) 270-3724 to learn how we can support your business ambitions today!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking

For our local business owners, we offer comprehensive business banking solutions, including merchant services and business loans. We know how hard you've worked to build your business; let us help you grow it even further with financial products tailored to your needs.

Credit Cards

For those looking for additional flexibility, our credit cards with rewards allow you to earn while you spend. Imagine earning points on purchases that can be redeemed for travel or cash back it's a rewarding experience designed just for you!

Digital Banking Convenience

In today's fast-paced world, convenience matters more than ever. That's why at St. Augustine, we prioritize online and mobile banking services that allow you to manage your finances anytime, anywhere. You'll be able to check balances, transfer funds, and pay bills all from the comfort of your own home or on the go. At St. Augustine, we are more than just a credit union; we are a community partner dedicated to supporting your financial well-being. If you're ready to explore any of these services or have questions about how we can assist you further, feel free to reach out at 573-270-3724 or visit us at 782 County Highway 311 Scott City Mo 63780. We're excited to serve you!

Home Financing

Thinking about buying a home? Our mortgage loans and refinancing options are here to support you in making one of life's biggest investments. We take the time to understand your unique situation so we can help find the right loan product for you. Picture yourself settling into your new home, knowing you have a trusted partner helping you navigate the complexities of home financing.

Personal Banking

We understand that managing your personal finances can be overwhelming at times. That's why our personal banking services are designed with you in mind. From checking and savings accounts that make everyday banking simple, to auto loans and vehicle financing options that get you on the road without breaking the bank, we've got you covered. Imagine driving off in a new car with a manageable payment plan that fits your budget this is what we strive for at St. Augustine.

Personal Loans

Sometimes life throws unexpected expenses our way. Our personal loans and debt consolidation services can provide relief when you need it most. Whether it's funding a home repair or consolidating debt into one easy monthly payment, we offer competitive rates and flexible terms to ease your worries.

Digital & Online Banking

At St. Augustine, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With access to your accounts anytime and anywhere, you can stay on top of your financial goals without the hassle. Our online banking platform provides you with 24/7 access to your account, allowing you to check balances, transfer funds, and view transaction history whenever it suits you. You can explore more about our offerings at . While we currently do not provide electronic signature authorization or e-statements, we prioritize your security and privacy with every transaction. Our platform is user-friendly, making it simple for everyone, regardless of tech experience. If you're looking to send money quickly to friends or family, please note that person-to-person transfers are not available at this time. For those who prefer mobile payments or accessing their accounts through an app, we're currently working on expanding our services in these areas too. While we don't have a mobile application just yet, our team is dedicated to enhancing our digital features to keep up with your needs. Whether you're at home or on the go, our online banking tools will help you manage your money effectively. Join us at St. Augustine and experience the freedom of banking on your terms!

Financial Strength

Dedicated Team

We take pride in having a dedicated team ready to serve you. With 0 full-time employees and 0 part-time employees, our branches are always prepared to assist you with knowledgeable support.

Growing Member Base

Our total share accounts stand at 435, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Augustine is your trusted partner. Visit us at 782 County Highway 311 Scott City Mo 63780 or call (573) 270-3724 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.

Lending Capacity

Our commitment to supporting your financial goals is evident in our lending capacity. With $28 in used auto loans and $1,439,619 in total loans and leases, we provide various options tailored to your needs. Our $11,099 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Savings and Investments

Members' savings are secured through $0 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, our focus remains on benefiting you through better loan rates, lower fees, and exclusive perks. We also boast $148,432 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options to serve you better.

Strong Financial Health

With a net worth of $198,626, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation translates into peace of mind for our members, knowing they are part of a financially robust institution. Our net worth ratio of $1,221 demonstrates a solid capital base. This means 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 $459,961 in used vehicle loans and $729,095 in new vehicle loans already helping members get on the road. We provide flexible terms to make it easier for you to drive away with the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans total $0, but rest assured that when opportunities arise, we will be ready to help you grow and expand your business with suitable financing options.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have any Junior Lien 1-4 Family Residential Properties loans totaling $0, our team is dedicated to guiding you through the mortgage process and finding solutions that fit your financial situation.

Refinancing Options

If you're considering refinancing an existing loan, we have options available that can help lower your monthly payments or reduce your interest rate. Speak with one of our representatives for more details on how refinancing could benefit you. For more information about our loan offerings, please visit us at 782 County Highway 311 Scott City Mo 63780 or give us a call at 573-270-3724. Our team is here to answer any questions and assist you in finding the right loan product for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you achieve your financial aspirations!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. Although there are currently $0 in unsecured credit card loans available, we encourage you to reach out as we continuously evaluate our offerings to meet member needs effectively.

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. This tool is designed to help you navigate your options with ease and confidence. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency means that you can trust the offers presented are fair and legitimate, based on the latest results (Source: https://www.ncua.gov). Using LendMesh comes with several key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: Unlike other comparison tools, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the real-world impact LendMesh has on its users. If you're ready to start comparing real-time loan offers and finding the best rates for your needs, visit LendMesh today. *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.*

St Augustine