Together Credit Union O’Fallon MO | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Together, your trusted financial partner in O'Fallon, MO. Since our establishment in 1939, we have been dedicated to serving our community and fostering financial well-being for our members. With a vibrant membership of 141,970 individuals and assets totaling an impressive $2,653,305,207, we are proud to offer a range of services designed to meet your unique needs. At our branch located at 2531 Highway K, O'Fallon, MO 63368, you'll find a team committed to providing personalized service and support. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions, we have you covered. Our resources include $339,412,224 in total deposits and a robust loan portfolio with 175,855 loans and leases tailored just for you. While members can visit us at our O'Fallon location for all their banking needs, official correspondence should be sent to the same address: 2531 Highway K, O'Fallon, MO 63368. With a strong net worth of $244,528,003 and cash reserves of $8,529,991, Together is not only a safe place for your money but also an institution that invests back into the community. Our dedicated team of 428 employees, led by CEO Robert McKay and Board President Beth Rickmann, is here to ensure you receive the highest level of service. We invite you to explore everything Together has to offer. For more information or to speak with one of our friendly representatives, please call us at 636-980-9800. We look forward to helping you achieve your financial goals!

Branch History & Mission

At Together, we believe in the power of community and the importance of supporting each other. Established in 1939, our branch in O'Fallon, MO has a rich history that reflects our commitment to serving our members and fostering financial well-being. Over the decades, we have grown alongside our community, evolving to meet the changing needs of our members while remaining true to our founding principles. Located at 2531 Highway K, O'Fallon, MO 63368, our branch is easily accessible for all members. As you visit us, you'll notice that we are not just a financial institution; we are a part of your neighborhood. Our proximity to local schools and parks reinforces our dedication to being an integral part of the community. With over 141,970 members and total assets reaching an impressive $2,653,305,207, Together stands as a beacon of stability and support. Our mission is clear: to provide exceptional financial services while making a positive impact on the lives of those we serve. We aim to empower individuals through accessible banking solutions and personalized assistance tailored to each member's unique situation. In addition to traditional banking services like checking and savings accounts, auto loans, and mortgages, we pride ourselves on offering modern conveniences such as online banking and mobile payments. Our commitment extends beyond transactions; we focus on building lasting relationships with our members. We ensure that everyone has access to necessary resources by maintaining ADA compliance and providing customer-centric initiatives. While members can visit us at 2531 Highway K O Fallon Mo 63368, official correspondence should be sent to 2531 Highway K, O Fallon, MO 63368 if different from the branch address. Our operating hours are convenient: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM for lobby access, with drive-thru services available from 8 AM to 6 PM on weekdays and 8 AM to 1 PM on Saturdays. As part of our outreach efforts, Together actively participates in community events and partnerships that promote financial literacy and well-being. We believe that by investing in our community's future, we can help create a stronger foundation for all. Join us at Together! Experience how we can support your financial journey with dedicated service and a genuine commitment to your success. Whether you're looking for personal banking options or business solutions, we're here for you every step of the way. Visit us today or call us at (636) 980-9800 together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. You'll find ample parking available, including designated spots for those with disabilities. The building is ADA compliant, ensuring that everyone can enter with ease. If you prefer a quick stop, take advantage of our drive-thru service, where you can complete simple transactions without leaving your vehicle.

Call-to-Action

We invite you to come by and experience the friendly atmosphere of Together Credit Union in O'Fallon! Whether you're looking to open a new account or need assistance with your current services, our team is here to help. See you soon!

Operating Hours and Services

We understand that life can get busy, which is why our lobby hours are convenient for our members. Visit us Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 1 PM. If you're using our drive-thru, we're open even earlier 8 AM to 6 PM on weekdays and 8 AM to 1 PM on Saturdays! At Together Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, enjoy easy access to an ATM for cash withdrawals and balance checks right at our branch. While members can visit us at 2531 Highway K O Fallon Mo 63368, official correspondence should be sent to 2531 Highway K, O Fallon, MO 63368. Don't hesitate to reach out if you have questions give us a call at (636) 980-9800!

Member Eligibility

At Together, we believe that everyone deserves a chance to be part of a caring community focused on your financial well-being. Becoming a member is simple and welcoming! If you live, work, or worship in the area around 2531 Highway K O Fallon Mo 63368, you're likely eligible to join us. We embrace individuals from all walks of life, making it easy for you to take advantage of our friendly services and support. Not only will you gain access to great financial products like savings accounts, loans, and credit cards with rewards, but you'll also join a network that genuinely cares about your goals. Ready to start your journey with us? Opening an account is straightforward! Just visit our website or give us a call at (636) 980-9800 for more information on how to become a member. For detailed eligibility criteria, feel free to check out our resource at http://www.togethercu.org/home/business/business-account-membership-benefits . We can't wait for you to join the Together family!

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 $327 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $162,820,520, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced environment, effective payment processing is crucial. Our merchant services provide you with the tools needed to accept payments seamlessly, whether online or in-person. Imagine a busy Saturday at your local café; with our services, you can ensure that transactions happen smoothly, giving you more time to focus on serving customers and growing your brand. For personalized service and tailored solutions, visit us at 2531 Highway K O Fallon Mo 63368 in O Fallon, MO, or call us at (636) 980-9800. Let's work together to build a prosperous future for your business!

Comprehensive List Of Services

ATM and Cash Services

We understand that sometimes you need quick access to cash. Our ATM & Cash Withdrawal Services, along with basic drive-thru banking options for deposits and withdrawals, give you straightforward ways to manage your transactions without any hassle. At Together in O'Fallon located at 2531 Highway K O'Fallon MO 63368, we are dedicated to making banking easier for everyone. If you have questions or need assistance with any of our services, feel free to reach out at 636-980-9800. Join us today and discover how Together can help simplify your financial journey!

Business Banking

For entrepreneurs and business owners, we offer comprehensive Business Banking solutions including merchant services and business loans. Whether you're starting out or expanding your operations, our team is here to support your financial goals.

Online and Mobile Banking

In today's fast-paced world, convenience is key. Our Online & Mobile Banking services ensure you have access to your accounts at all times. Whether you need to pay bills, send money to friends using person-to-person payment features, or simply check your balance from the comfort of your home, we've made it easy for you.

Personal Banking

For those seeking convenience and flexibility, our Personal Banking options include checking and savings accounts that fit your lifestyle. Imagine easily accessing your funds through online banking or our mobile app, allowing you to check balances or transfer money anytime, anywhere. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing can help make that dream a reality. We offer competitive rates and terms that suit your budget, ensuring you drive away satisfied. And for those contemplating home ownership or refinancing an existing mortgage, our Mortgage Loans & Refinancing options are designed to guide you through the process with ease. Additionally, if you're facing unexpected expenses or need to consolidate debt, our Personal Loans & Debt Consolidation service provides flexible solutions tailored to your situation. Plus, with our Credit Cards with Rewards, you can earn benefits on every purchase while enjoying features that enhance your spending power.

Digital & Online Banking

Key Features

Explore the range of services we offer at https://www.togethercu.org/home/home . With 24/7 online banking available, you can check your balances, transfer funds, and pay bills whenever you need to. Plus, our mobile application makes it even simpler to manage your finances from your smartphone. We also provide e-statements for those who prefer a paperless approach, making it easy to stay organized while being eco-friendly. And if you ever need to sign documents, our electronic signature authorization feature allows you to do that securely online no need for physical paperwork.

Real-Time Account Management

With our digital banking tools, you'll enjoy real-time account management that empowers you to make informed financial decisions quickly. Whether it's checking an account balance or reviewing recent transactions, everything is just a tap away. Join us at Together today and experience how our digital and online banking services can simplify your life while keeping your finances secure!

Security and Ease of Use

Your security is our top priority. Our online banking platform uses advanced encryption technology to keep your information safe while ensuring that accessing your accounts is user-friendly. You can set up mobile payments and person-to-person transfers effortlessly, making it easy to send money to friends or family without any hassle.

Financial Strength

Growing Member Base

Total Share and Deposit Accounts stand at 322,425, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments total $8,936,504, demonstrating our commitment to providing you with ample opportunities for growth. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Together is your trusted partner. Visit us at 2531 Highway K O Fallon Mo 63368 or call (636) 980-9800 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $537,118,834 in share certificates and $627,198,906 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $7,092,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 422 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $236,909,836 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support you is evident with $74,615 in used auto loans and a total of $1,919,752,724 in loans and leases available for various needs.

Strong Financial Foundation

With a net worth of $244,528,003, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $921 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 $451,991,664 in used vehicle loans and $275,532,180 in new vehicle loans already helping members get on the road. We provide flexible financing solutions for both new and used vehicles, ensuring you can drive away with a deal that works for you.

Business Financing

For business owners, our outstanding commercial loans totaling $162,820,520 provide the capital needed to grow and expand. We are committed to supporting local businesses with competitive rates and personalized service. We invite you to explore refinancing options if you're considering switching your current loan or need assistance with eligibility criteria. At Together, we strive to make financing straightforward and accessible for everyone. To learn more about our loan offerings or if you have any questions, please reach out at (636) 980-9800. You can also visit us online at https://www.togethercu.org/home/home for detailed information on all our products. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take control of your financial journey today!

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we also offer personal credit lines and unsecured credit card loans. We have $745,528,716 available in credit lines which can help manage larger purchases or unexpected expenses effectively. Plus, with a total of $101,593,076 in unsecured credit card loans, we provide flexible terms that allow members to handle their finances with ease.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $149,286,371, make buying or refinancing simple. Whether you're a first-time buyer or looking to refinance your current mortgage, our team is ready to assist you through the process.

Loan Aggregator

Ensuring 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 commitment ensures that users receive fair and transparent offers when searching for loans. By partnering exclusively with verified financial institutions, LendMesh guarantees that all loan offers are genuine and trustworthy.

The Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. 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!" This testimonial reflects the effectiveness of LendMesh in delivering valuable insights to its users. 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.*

TOGETHER CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Call-to-Action

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

ATM and Cash Services

Business Banking

Online and Mobile Banking

Personal Banking

Digital & Online Banking

Key Features

Real-Time Account Management

Security and Ease of Use

Financial Strength

Growing Member Base

Member-Centric Savings Options

Operational Efficiency

Reinvesting in Your Future

Strong Financial Foundation

Loan Offering

Auto Loans

Business Financing

Credit Lines and Personal Loans

Mortgage Loans

Loan Aggregator

Ensuring Accurate Comparisons

The Benefits of Using LendMesh

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