United Credit Union Troy MO | Best Auto Loans & Business Banking

Introduction

Welcome to United, your trusted credit union located at 200 Main St, Troy, MO 63379. Since our establishment in 1935, we have been dedicated to providing exceptional financial services tailored to meet the needs of our growing community. With a total membership of over 28,138, we pride ourselves on being more than just a financial institution; we are a part of your journey toward financial success. At United, we understand that every member is unique. That's why we offer a wide range of services, including personal banking, auto loans, mortgage options, and business banking solutions. Our assets have grown to an impressive $268,571,399, reflecting our commitment to sound financial practices and member satisfaction. With total deposits amounting to $16,865,612 and a net worth of $42,144,900, you can trust that your money is in safe hands. Led by our CEO Brent Sadler and Board President Patrick Donovan, our team of 95 employees is here to ensure you receive personalized service and support. We aim not only to meet your banking needs but also to foster a sense of community among our members. Whether you're looking for guidance on loans or simply need assistance with everyday transactions, we're here for you. While members can visit us at our branch address, official correspondence should be sent to the same location: 200 Main St, Troy, MO 63379. If you have questions or need assistance, don't hesitate to reach out at 636-528-1350. Join us today and experience the benefits of being part of the United family. Visit our website at unitedcu.org for more information on how we can serve you better!

Branch History & Mission

Community Engagement

United Credit Union takes pride in its community outreach efforts. We partner with local organizations and host events designed to uplift and educate. From sponsoring youth sports teams to providing workshops on budgeting and saving, we strive to make a positive impact beyond just banking. As we look toward the future, we remain dedicated to incorporating digital advancements that enhance accessibility while ensuring compliance with ADA standards. Our mobile application allows you to manage your accounts on-the-go, making banking easier than ever. We invite you to join us at United Credit Union and experience firsthand the benefits of being part of a community-focused organization. Whether you're looking for personal banking solutions or business support, we're here for you every step of the way. Visit us today or reach out at 636-528-1350 we're excited to help you achieve your financial goals!

Mission Statement

At United Credit Union, our mission is clear: we aim to empower our members through education and exceptional financial services while actively contributing to the well-being of the communities we serve. We believe in putting people first whether it's helping you secure an auto loan or offering resources for better financial literacy. While members can visit us at 200 Main St, official correspondence should be sent to the same address. Our operating hours reflect our commitment to convenience: we welcome you Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM until noon with drive-up service only.

Our Story

Since opening our doors nearly nine decades ago, United has evolved significantly. We began with a simple mission: to provide accessible financial services to our members while fostering a sense of community. Over the years, we've expanded our offerings to include personal banking, auto loans, mortgages, business banking services, and more all tailored to meet the diverse needs of our members. Our headquarters in Mexico, MO serves as the heart of our operations while we continue to grow and adapt in Troy. With total assets amounting to an impressive ${total_assets}, we are well-equipped to support our members' financial journeys. Our drive-thru service and ATM availability ensure that accessing your funds is convenient and efficient.

Branch Location & Accessibility

Connect With Us

Have questions or want more information? Feel free to call us at 636-528-1350 or visit our website at United Credit Union. We're excited to assist you with all your banking needs and look forward to welcoming you into our community!

Getting Here

When you visit us, you'll find ample parking available right outside the branch. Our facility is fully ADA compliant, ensuring that everyone can access our services without any hassle. If you need assistance or have questions while you're here, our friendly staff is always ready to help.

Operating Hours

We understand that life can get busy, which is why we offer flexible hours to meet your needs. Our lobby is open from 8:30 AM to 5:00 PM from Monday through Thursday, and on Fridays, we stay open until 6:00 PM. For those who prefer to bank on weekends, we're here for you on Saturdays from 9:00 AM to 12:00 PM drive-up service only during this time.

Services Offered

At United's Troy Branch, we offer a variety of services tailored to fit your financial goals. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Need a quick cash withdrawal? Our ATM is readily available for your convenience. We also provide drive-thru banking for deposits and simple transactions perfect for those on the go! If you're a member of another credit union, take advantage of our shared services center where you can conduct basic transactions like deposits and withdrawals with ease.

Member Eligibility

At United, we're excited to welcome you into our community! Becoming a member is simple and rewarding, and we believe everyone deserves access to financial services that cater to their needs. To be eligible, you need to live, work, or worship in the areas served by us. We also welcome immediate family members of existing members, making it easy for you to share the benefits of membership with your loved ones. If you're curious about all the details or want to check if you're eligible, feel free to visit our website at https://www.unitedcu.org/join-united. Opening an account with us is just as straightforward. You can easily start the process online or give us a call at (636) 528-1350 for assistance. Our friendly team is here to guide you every step of the way. When you join United, you're not just gaining access to fantastic financial products; you're becoming part of a supportive community that prioritizes your success. Visit us at 200 Main St Troy Mo 63379 and take the first step towards a brighter financial future!

Business Banking & Commercial Services

Financing Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $13 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $10 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $2,820,262, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services Made Simple

In addition to loans, we offer merchant services designed to simplify your payment processes. Imagine having a system that allows you to accept payments seamlessly, whether it's through credit cards or mobile payments. This service not only enhances customer experience but also ensures you receive funds quickly critical for managing cash flow. Located at 200 Main St Troy Mo 63379, Troy, MO, our team is ready to help your business thrive. Contact us today at (636) 528-1350 to learn more about how we can assist you on your journey!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick access to cash? Our branch features an ATM, making withdrawals simple and efficient. Additionally, our Drive-Thru Banking allows for quick deposits and withdrawals without leaving your car a perfect solution for busy days.

Business Banking Services

For entrepreneurs and business owners, our Business Banking services are designed to help you thrive. From Merchant Services that facilitate smooth transactions to Business Loans for expansion or equipment purchase, we are here to support your growth.

Credit Cards and Rewards

In today's world, having a credit card can be an essential tool. Our Credit Cards with Rewards not only allow you to make purchases conveniently but also earn rewards on your spending. Whether it's cash back, travel points, or other benefits, we have options that cater to your spending habits.

Digital Banking Features

We know that convenience is key in managing your finances. That's why at Troy Branch, we provide robust Online & Mobile Banking features that allow you to bank anytime, anywhere. With options for mobile payments and person-to-person transfers, managing your money has never been easier.

Personal Banking Solutions

Managing your day-to-day finances is made easy with our Personal Banking services. We offer various Checking & Savings Accounts designed for every lifestyle, helping you save for future dreams or manage everyday expenses effortlessly. Need a vehicle? Our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms to get you on the road without breaking the bank. If you're thinking about homeownership, explore our Mortgage Loans & Refinancing options. We understand that buying a home is one of the biggest decisions you'll make, so we aim to guide you every step of the way. For those unexpected expenses or debt management needs, our Personal Loans & Debt Consolidation services can help you regain control of your finances.

Shared Branch Transactions

If you're a member of a partner credit union, take advantage of our Basic Shared Branch Transactions, where you can perform deposits and withdrawals easily at our location. At United, we strive to make banking accessible and straightforward for everyone in the community. Located at 200 Main St Troy Mo 63379 in Troy, MO, we're ready to serve you during our operating hours from 8:30 AM to 5:00 PM on weekdays and until noon on Saturdays. For any questions or assistance regarding our services, feel free to reach us at (636) 528-1350. Join us today at Troy Branch, where your financial journey starts!

Digital & Online Banking

Key Features

Our mobile application takes convenience to the next level. You can make mobile payments easily and securely, allowing you to shop or pay bills right from your smartphone. Plus, with person-to-person transfers, sending money to friends or family is quick and straightforward no need for cash or checks! We also offer e-statements so you can stay organized without the clutter of paper. Enjoy the peace of mind that comes with knowing your financial information is safe and accessible anytime you need it. Although we don't support electronic signature authorization yet, we ensure all other features prioritize your security. Managing your finances has never been more accessible or efficient. Join us today at United and experience how our digital banking services can simplify your life!

Financial Strength

A Trusted Partner

Total Share and Deposit Accounts: 55,973, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $903,179 further illustrate our capacity to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, United is your trusted partner. Visit us at 200 Main St Troy Mo 63379 or call (636) 528-1350 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $41,089,650 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $64,670 in used auto loans and $194,702,303 in total loans and leases.

Focused on Member Benefits

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. Our commitment to reinvesting in the community strengthens our ability to serve you.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 87 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Opportunities

Members' savings are secured through $24,899,417 in share certificates and $14,666,424 in money market shares, offering stable and rewarding financial growth opportunities. This focus on member savings reinforces our commitment to prioritizing your financial well-being.

Strong Financial Health

With a net worth of $42,144,900, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,563 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

Additional Options

If you're considering refinancing or checking eligibility for any of our loan products, please don't hesitate to reach out. We're committed to making the loan process as easy and straightforward as possible for all our members. For more information about our loan offerings or to discuss which option might be best for you, feel free to call us at (636) 528-1350, visit us at 200 Main St Troy Mo 63379, or check out our website at https://www.unitedcu.org/. 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's take the next step together toward achieving your financial goals!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $74,197,574 in used vehicle loans and $27,991,353 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used option, we have solutions that can meet your needs.

Business Loans

For business owners, our outstanding commercial loans totaling $2,820,262 provide the capital needed to grow and expand your business. We understand the unique challenges that businesses face and are here to support your growth with tailored lending solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Currently, we have no Junior Lien 1-4 Family Residential Properties loans available; however, we are constantly evaluating our offerings to ensure that our members have access to competitive mortgage products.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $8,289,561 in loans helping members manage their finances effectively. This option is great for those who want to build credit or need short-term financing without collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 ensures that the offers presented are fair and transparent. By relying on verified financial institutions, LendMesh guarantees that users receive accurate and trustworthy loan comparisons.

United

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Introduction

Branch History & Mission

Community Engagement

Mission Statement

Our Story

Branch Location & Accessibility

Connect With Us

Getting Here

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Financing Your Growth

Merchant Services Made Simple

Comprehensive List Of Services

ATM and Drive-Thru Services

Business Banking Services

Credit Cards and Rewards

Digital Banking Features

Personal Banking Solutions

Shared Branch Transactions

Digital & Online Banking

Key Features

Financial Strength

A Trusted Partner

Commitment to Growth

Focused on Member Benefits

Operational Efficiency

Secure Savings Opportunities

Strong Financial Health

Loan Offering

Additional Options

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Loan Comparisons

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