St. Pats Employees Credit Union Missoula MT | Affordable Auto Loans & Business Banking

Introduction

Welcome to St. Pat's Employees Federal Credit Union, your trusted financial partner located at 500 W Broadway St, Missoula, MT 59802. Since our establishment in 1968, we've been dedicated to serving the financial needs of our members and the community. With a strong membership base of 682 individuals, we pride ourselves on fostering a welcoming environment where everyone feels valued. At St. Pat's, we are more than just a credit union; we are part of the fabric of Missoula, committed to providing personalized banking solutions tailored to your unique needs. Our total assets amount to an impressive $5,543,472, reflecting our stability and reliability as a financial institution. We manage deposits totaling $275,214, showcasing our commitment to safeguarding your funds. Our leadership team, led by CEO Silvia Davis and Board President John Gross, is passionate about ensuring that each member receives exceptional service and support. With only one employee on staff, we maintain a close-knit atmosphere that allows us to prioritize your financial well-being. We understand that life can be unpredictable, which is why we offer a range of services from auto loans and mortgages to personal loans and credit cards with rewards. Whether you're looking to finance your next vehicle or consolidate debt, we're here to help you navigate your financial journey with ease. While you can reach us at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 500 W Broadway St, Missoula, MT 59802-4008. Explore how St. Pat's Employees Federal Credit Union can support you today! Feel free to give us a call at 406-329-5665 or visit our website at www.StPatsCU.com for more information about our services and how we can assist you in achieving your financial goals. We're excited to work together towards a brighter financial future!

Branch History & Mission

Welcome to St. Pats Employees Federal Credit Union, a cornerstone of financial support in Missoula, MT. Established in 1968, our credit union has a rich history of serving the community and fostering a culture of cooperation and mutual benefit. Over the years, we have grown alongside our members, reflecting their needs and aspirations while maintaining a strong commitment to service. Located at 500 W Broadway St, Missoula, MT 59802, our branch is easily accessible for all your banking needs. Whether you're visiting us for personal banking services or exploring loan options, we pride ourselves on providing a welcoming atmosphere where every member feels valued. If you need to send official correspondence, please use our mailing address: 500 W Broadway St, Missoula, MT 59802-4008. At St. Pats Employees, we believe that everyone deserves access to quality financial services. Our mission is simple yet powerful: to empower our members with the tools they need to achieve their financial goals while contributing positively to the community we serve. With over 682 members and total assets exceeding $5,543,472, we are dedicated to making a meaningful impact in the lives of those around us. Our focus extends beyond just banking; it includes community outreach and partnerships that strengthen local ties. We recognize that when our community thrives, so do our members. We are committed to supporting local events and initiatives that foster growth and connection within Missoula. As times change, we strive to innovate while remaining compliant with ADA standards and prioritizing customer satisfaction. Although we currently do not offer ATM services or drive-thru banking, we ensure that our lobby hours Monday, Wednesday, and Friday from 7:30 AM to 5 PM; Tuesday and Thursday from 7:30 AM to 12 PM are convenient for all who wish to visit us. We invite you to explore what makes St. Pats Employees Federal Credit Union special. Join us today and experience the benefits of being part of a cooperative institution that truly cares about your financial well-being. Together, let's build a brighter future for ourselves and our community! For more information or assistance, feel free to call us at 406-329-5665 or visit our website at StPatsCU.com.

Branch Location & Accessibility

Connect With Us

Have questions? Feel free to give us a call at 406-329-5665. Our dedicated staff is eager to assist you with any inquiries or concerns. We look forward to seeing you soon at St. Pats Employees Federal Credit Union where community matters!

Operating Hours

Our doors are open at convenient times to fit your busy schedule! You can visit us on Mondays, Wednesdays, and Fridays from 7:30 AM to 5:00 PM. On Tuesdays and Thursdays, we welcome you from 7:30 AM until noon. We invite you to stop by during these hours to explore our wide range of personal banking services, including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more!

Parking and Accessibility

We understand the importance of accessibility. Our branch features ADA-compliant facilities, ensuring that everyone can access our services with ease. Ample parking is available nearby, making it simple for you to drop in whenever you need assistance.

Services Offered

At St. Pats Employees FCU, we pride ourselves on providing personalized service tailored to meet your financial needs. While we currently do not offer ATM or drive-thru services at this location, our team is ready to assist you directly in the lobby. Whether you're interested in personal loans or exploring business banking options like merchant services and business loans, we have a solution for you.

Member Eligibility

Becoming a member of St. Pats Employees is like stepping into a welcoming community that truly cares about your financial well-being. If you live or work in Missoula, or have family who do, you're already on the right path to joining us! We believe that everyone deserves access to great financial services, and that's why we keep our eligibility requirements simple and inclusive. You can find all the details you need about membership criteria by visiting https://stpatscu.com/membership/. Once you're ready to join, opening an account is a breeze! Just give us a call at (406) 329-5665, and we'll guide you through the process. With so many benefits like personalized service, competitive rates, and a supportive environment, becoming part of St. Pats Employees means more than just banking; it means joining a family that prioritizes your needs. Don't hesitate to check out our eligibility page for the most up-to-date information!

Business Banking & Commercial Services

Loan Options That Fuel Growth

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 That Make Transactions Easy

Imagine running your business without the hassle of complicated payment systems. Our merchant services provide easy-to-use solutions that streamline transactions for your customers. With secure payment processing, you can focus more on serving your clients rather than worrying about the logistics of payments. Come visit us at 500 W Broadway St Missoula Mt 59802 in Missoula, MT, or call us at (406) 329-5665 to learn how we can help you achieve your business goals!

Comprehensive List Of Services

Business Banking

If you're a business owner or entrepreneur, check out our business banking services. We offer tailored solutions like merchant services and business loans so you can focus on growing your business without worrying about finances.

Cash Withdrawal Services

While we currently do not have ATM facilities at our branch, we ensure that cash withdrawal services are easily accessible through various means. Feel free to reach out if you need assistance with cash management! We invite you to visit us at St. Pats Employees Federal Credit Union or give us a call at 406-329-5665 for any questions regarding these services or how we can assist you further. Your financial success is our priority!

Credit Cards with Rewards

For those who enjoy earning rewards while making everyday purchases, our credit cards with rewards offer great benefits. You'll earn points or cash back on every purchase, making it easier to save up for things you want.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why we provide online & mobile banking services so you can manage your accounts anytime and anywhere. No more waiting in lines handle your transactions from the comfort of your home.

Home Financing

Thinking about buying a home? Our mortgage loans & refinancing services can turn that dream into reality. We understand the importance of finding the right mortgage product that fits your budget and helps you settle into your new home comfortably.

Personal Banking

Whether you're looking to open a checking or savings account, we've got you covered. Our personal banking services are designed for everyone from students just starting out to families planning for the future. With checking & savings accounts that fit your lifestyle, managing your finances has never been easier.

Personal Loans

Sometimes life throws unexpected expenses our way. Whether it's for home repairs, medical bills, or consolidating debt, our personal loans & debt consolidation options provide quick access to cash when you need it most. You can rely on us to support you during those financial bumps in the road.

Vehicle Financing

If you're in the market for a new car or need to finance a vehicle, our auto loans & vehicle financing options are here to help. Imagine driving off in your dream car with a loan that works for you! We offer competitive rates and flexible terms to make the process smooth.

Digital & Online Banking

E-Statements and Security

Enjoy paperless statements with our e-statements feature. This not only helps you keep track of your finances but also enhances security by reducing the risk of mail theft. While we currently don't offer electronic signature authorization, rest assured that we prioritize your account's safety with robust security measures.

Mobile Accessibility

While we don't have a mobile application or mobile payments feature at this time, our website is fully optimized for mobile use. You can log in from your smartphone or tablet to manage your accounts seamlessly. At St. Pats Employees, our goal is to make banking simple and accessible for everyone. Whether you're at home or out and about, you can take control of your financial life with ease. Join us today and experience the convenience of modern banking!

Online Banking Services

Our online banking platform allows you to access your accounts 24/7. You can check balances, transfer money, and pay bills all from the comfort of your home or on the go. To explore all our features, visit us at https://stpatscu.com/.

Person-to-Person Transfers

Need to send money quickly? With our person-to-person transfer service, you can easily send funds to friends or family in just a few clicks. It's a hassle-free way to share expenses or help someone out without needing cash.

Financial Strength

At St. Pats Employees, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share insights into our financial health, which demonstrates our commitment to serving you with confidence. With a net worth of $589,300, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1063 showcases 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 $2,123,756 in share certificates, offering stable and rewarding financial growth opportunities. We prioritize our members over traditional banking practices; currently, we have no non-member deposits. This focus ensures that our resources are dedicated to benefiting you through better loan rates and exclusive perks. With $452,158 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $1,004,549 in used auto loans and a total of $2,514,457 in loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 1 full-time employee ready to assist you at every turn. Total Share Accounts stand at 821, showing a strong and growing member base that trusts us with their finances. This level of engagement speaks volumes about the reliability and strength of St. Pats Employees. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, St. Pats Employees is your trusted partner. Visit us at 500 W Broadway St Missoula MT 59802 or call 406-329-5665 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.*

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,428,549 in used vehicle loans and $571,663 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, we have options tailored just for you.

Credit Lines

For those needing quick access to funds without the obligation of a fixed loan amount, our total credit lines available amount to $200,000. This option provides flexibility for expenses that may arise unexpectedly.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although we currently do not have any Junior Lien 1-4 Family Residential Properties loans available at this moment, we are always here to assist you with any questions about future opportunities.

Refinancing Options

If you're considering refinancing existing loans, we encourage you to reach out. Our team can provide insights into eligibility and potential savings tailored to your specific financial situation. To explore our loan offerings further or if you have any questions about eligibility requirements, feel free to contact us at (406) 329-5665 or visit us at 500 W Broadway St, Missoula MT 59802. 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're here to support your journey toward achieving financial success!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While there are currently no unsecured credit card loans being issued, we encourage our members to keep an eye on potential offerings that can help manage finances effectively in the future.

Loan Aggregator

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Real-Time Rate Comparisons

With up-to-date loan rates from multiple institutions, LendMesh empowers users to make well-informed decisions quickly. This feature helps individuals find competitive rates that meet their unique financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. 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.

Verified Data

Loan offers are sourced from legitimate financial institutions, ensuring transparency. Each lender is vetted to confirm compliance with industry regulations, which builds trust in the information presented.

ST. PATS EMPLOYEES FEDERAL CREDIT UNION - Missoula, MT

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