Vantage Credit Union O Fallon MO: Quick Personal Loans & Auto Financing

Introduction

Welcome to Vantage in O'Fallon, where our commitment to serving you goes beyond just banking. Since our establishment in 1957, we've become a trusted financial partner for over 69,593 members, helping them achieve their financial goals with confidence. Located at 29 Ofallon Sq, O Fallon, MO 63366, we pride ourselves on being more than just a credit union; we are a community-focused organization dedicated to enhancing the lives of our members and the neighborhoods we serve. At Vantage, we understand that your finances are personal. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. With total assets exceeding $1.11 billion and total deposits reaching $55,123,119, we ensure that your money is not only safe but also working for you. Our leadership team, including CEO Eric Acree and Board President Jerry Eichholz, brings decades of experience and a genuine desire to foster trust and transparency within our operations. We are here to help you navigate your financial journey with ease. Whether you're looking for competitive loan rates or personalized banking solutions, our team is ready to assist you every step of the way. While members can visit us at 29 Ofallon Sq, official correspondence should be sent to the same address. Feel free to reach out at 314-298-0055 if you have any questions or need assistance. Join us today and discover how Vantage can make a positive impact on your financial future! Visit our website at vcu.com or come by our branch to learn more about what we can do for you. Your journey towards financial wellness starts here!

Branch History & Mission

Join Us Today!

As we look toward the future, Vantage Credit Union remains dedicated to serving our members with integrity and care. Whether you're looking for a new home loan or simply want to open a checking account, we invite you to experience the benefits of being part of our family. Join us today and take your first step towards achieving your financial dreams with Vantage! For more information or assistance, feel free to call us at 314-298-0055 during our operating hours: Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday from 9:00 AM until Noon.

Our Evolution

Since our inception, Vantage has remained committed to providing exceptional service and support to our members. We have continuously adapted to meet the evolving needs of our community, introducing innovative products like online banking and mobile payments. As technology has advanced, so have we; today, our members can easily manage their finances from the comfort of their homes or on-the-go.

Our Mission

Our mission at Vantage is clear: to empower our members by providing affordable financial solutions while fostering a sense of community. We believe that banking should be personal and accessible. We offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking solutions all designed to help our members achieve their financial goals. In addition to providing essential financial services, we are deeply committed to giving back to the community. Our outreach efforts include partnerships with local organizations and initiatives aimed at enhancing the quality of life for residents in O'Fallon and beyond. While members can visit us at 29 Ofallon Sq for all their banking needs, official correspondence should be sent to the same address for clarity and convenience.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We offer features such as ADA-compliant entrances and ramps, ensuring that everyone can comfortably access our services. Parking is available right outside the branch, making your visit hassle-free.

Operating Hours

We understand that life can get busy, so we aim to accommodate your schedule. Our lobby hours are Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 5:30 PM, and Saturday from 9:00 AM to Noon. This flexibility means you can find a time that works best for you.

Services Offered

At Vantage, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed just for you. While we currently do not have ATM availability or drive-thru service at this location, our friendly staff is always ready to assist you inside the branch. While members can visit us at 29 Ofallon Sq O Fallon Mo 63366, official correspondence should be sent to 29 Ofallon Sq, O Fallon, MO 63366 if it differs. If you have any questions or want to learn more about what we offer, feel free to give us a call at (314) 298-0055. We look forward to welcoming you soon!

Member Eligibility

Becoming a member of Vantage is like stepping into a warm, welcoming community that's here to support you. If you live, work, or go to school in the O'Fallon area, you're likely eligible to join us! We value all our members and provide personalized services to meet your financial needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we're committed to helping you achieve your financial goals. To learn more about the specific eligibility requirements and ensure you qualify, check out our detailed resource at http://www.vcu.com/member-perks. When you're ready to open an account, the process is simple! Just visit us at http://www.vcu.com/get-a-loan or give us a call at (314) 298-0055. We're excited to have you as part of our family here at Vantage, located at 29 Ofallon Sq O Fallon Mo 63366!

Business Banking & Commercial Services

Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine being able to accept payments seamlessly from customers whether they're shopping online or at your storefront. Our reliable payment processing solutions ensure you can focus on what you do best running your business. Located at 29 Ofallon Sq O Fallon Mo 63366 in O Fallon, MO, we're here to help you thrive. Connect with us today at (314) 298-0055 and discover how we can partner with you for success!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $4 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $74,883, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans and Vehicle Financing

If you're looking to buy a new car, our auto loans and vehicle financing options can help make that dream a reality. We understand that purchasing a vehicle is a significant investment, so we offer competitive rates and flexible terms tailored to fit your budget. Picture driving off in your new car with affordable monthly payments that won't stretch your finances too thin.

Business Banking Services

For entrepreneurs, we provide tailored business banking services, including merchant services and business loans. We understand the challenges of running a business, so we're here to support you with financial solutions designed for growth and success.

Credit Cards with Rewards

With our credit cards featuring rewards, every purchase earns you points toward exciting rewards. Whether you're planning a vacation or just want to enjoy everyday perks, our credit card options offer flexibility and benefits that suit your lifestyle.

Mortgage Loans and Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage, our team is here to guide you through the process. Think about how much easier life would be with lower monthly payments or cashing out equity for home improvements!

Online and Mobile Banking

In today's busy world, convenience matters. That's why we offer robust online and mobile banking features. You can manage your accounts, pay bills, transfer funds, and more all from the comfort of your home or on the go. With easy access to your finances at any time, staying on top of your money has never been simpler. At Vantage, we strive to be more than just a financial institution; we're part of the community. If you have questions about any of our services or want to explore how we can assist you further, please give us a call at (314) 298-0055 or visit us at 29 Ofallon Sq O Fallon Mo 63366 in O Fallon, MO. We're excited to help you navigate your financial journey! For more information about all our offerings, feel free to check out our website at Ofallon.

Personal Banking Solutions

Whether you're opening your first checking account or saving for a big purchase, we offer comprehensive personal banking services. Our checking and savings accounts are designed to be straightforward, helping you manage your money effectively. Imagine having a safe place for your funds while earning interest on your savings this is what our accounts provide.

Personal Loans and Debt Consolidation

Need extra cash for unexpected expenses? Our personal loans and debt consolidation services can help simplify your financial situation. By consolidating high-interest debts into one manageable loan, you can reduce stress and save money over time. It's like giving yourself a fresh start financially.

Digital & Online Banking

Accessibility and Ease-of-Use

We believe that banking should be accessible for everyone. Our user-friendly interfaces make navigating through your accounts a breeze. You can manage everything in real-time, so you never have to worry about whether your transactions are processed quickly. At Vantage, we aim to enhance your banking experience by providing tools that fit into your lifestyle. With our digital and online banking services, managing your money has never been easier or more secure. Join us today and take full advantage of what we have to offer!

Key Features

Security is our top priority. We provide features like electronic signature authorization, so you can sign documents safely without having to visit a branch. Plus, you can enjoy the convenience of e-statements, making it easy to keep track of your financial information while being environmentally friendly. For those who prefer mobile banking, our mobile application allows you to manage your accounts right from your smartphone. Whether you're paying bills or making person-to-person transfers, you can do it all with just a few taps. Plus, if you're on the go and need to make quick payments, our mobile payments feature has got you covered.

Financial Strength

Commitment to Reinvestment

With $82,315,945 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $53,675 in used auto loans and $812,434,289 in total loans and leases, we support members' financial goals across various sectors.

Growing Member Base

We have a healthy member base with total share accounts reaching 141,678, showcasing trust from the community in managing their finances with us. Net Shares available for lending and investments stand at $4,101,977, further illustrating our capacity to support our members' needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Vantage is your trusted partner. Visit us at 29 Ofallon Sq O Fallon Mo 63366 or call (314) 298-0055 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our current $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 258 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Secure Savings Options

Members' savings are secured through $108,017,851 in share certificates and $203,518,690 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $188,189, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Base

With a net worth of $83,134,981, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $746 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 $167,584,599 in used vehicle loans and $41,651,826 in new vehicle loans already helping members get on the road, we're here to assist you every step of the way. We provide flexible terms and competitive rates that make financing your next vehicle easy and straightforward.

Business Financing

For business owners, our outstanding commercial loans totaling $74,883 provide the capital needed to grow and expand your operations. If you're looking for financing options tailored for businesses, we're here to support your entrepreneurial journey. Our diverse loan offerings are designed with you in mind. For more information about our loan products or to explore refinancing options available at Vantage located at 29 Ofallon Sq O Fallon Mo 63366, please give us a call at 314-298-0055 or visit us online at vcu.com. 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 help you take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $92,262,192, making buying or refinancing simple. We want to help you find a solution that fits your budget and lifestyle. If you're considering refinancing your current mortgage or exploring eligibility options, our team is ready to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We offer flexible terms on unsecured credit card loans, with a total of $35,570,990 in loans helping members effectively manage their finances. Our credit cards come with rewarding features designed to fit your spending habits.

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. LendMesh ensures accurate loan comparisons by sourcing data 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 guarantees that users receive fair and transparent offers when exploring their loan options. One of the standout features of LendMesh is its Verified Data. All loan offers come from legitimate financial institutions, ensuring transparency for users. Additionally, LendMesh prides itself on having No Sponsored Listings, meaning lenders are not prioritized based on paid promotions. The focus remains solely on providing unbiased results. LendMesh also offers Real-Time Rate Comparisons. Users can access up-to-date loan rates from multiple institutions, helping them make informed decisions tailored to their needs. This approach empowers individuals to find the most competitive rates available in the market. 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 testimonial reflects the reliability and effectiveness of the platform in aiding consumers during their financial journeys. 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.