Vantage Credit Union

Located in the vibrant community of O’Fallon, the Vantage Credit Union branch at 100 Progress Point Ct is your friendly neighborhood partner for smart financial solutions. Open Monday through Thursday from 9:00 am to 5:00 pm, Fridays until 5:30 pm, and Saturdays from 9:00 am to noon, this welcoming branch specializes in some of the best auto loans and vehicle financing options designed to help you get behind the wheel with confidence. Whether you're purchasing a new car or refinancing an existing loan, Vantage offers competitive rates that make driving your dream vehicle affordable.
Serving nearly 70,000 members and managing assets over $1.1 billion, this O’Fallon location also provides low-rate mortgage loans and refinancing services tailored to help you achieve your homeownership goals. Alongside personal banking options like flexible checking and savings accounts and rewarding credit cards packed with perks, Vantage supports local entrepreneurs with business loans and merchant services crafted for growth. While there is no ATM or drive-thru on-site, robust online and mobile banking platforms keep your finances accessible anytime.
Visit Vantage Credit Union at 100 Progress Point Ct or call 314-298-0055 today. Experience personalized service—contact us for guidance and discover how our signature auto loans and mortgage products can empower your financial future!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
6.75 % - 24.9 %
heloc
7.25 % - 24.9 %
90 %
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal loan
10.99 %

Introduction

Welcome to Vantage, your trusted partner in financial well-being, located at 100 Progress Point Ct, O'Fallon, MO 63368. Since our establishment in 1957, we've been dedicated to serving our community with a wide range of personal and business banking solutions. With a total membership of over 69,593, we take pride in being a cornerstone of financial support for individuals and families alike. As part of the Vantage family, you can count on us to provide reliable services that cater to your unique needs. Our total assets stand strong at $1,113,196,165, demonstrating our commitment to stability and growth. We currently manage $55,123,119 in deposits and have extended over 106,533 loans and leases to our members. This reflects not only our strength but also our dedication to helping you achieve your financial goals. While members can visit us at our branch address for all your banking needs, official correspondence should be sent to 100 Progress Point Ct, O'Fallon, MO 63368-2244. Our experienced team, led by CEO Eric Acree and Board President Jerry Eichholz, is here to ensure you receive the best service possible. At Vantage, we are more than just a credit union; we are a community hub that cares about your success. Whether you're looking for auto loans, mortgage refinancing, or simply want to open a checking account, we're here for you every step of the way. Feel free to reach out at 314-298-0055 during our operating hours 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. Visit our website at vcu.com for more information or to explore the many ways we can assist you. Join us today and experience the Vantage difference!

Branch History & Mission

Community Engagement

Vantage actively engages in partnerships and outreach efforts within O'Fallon and beyond. We understand that being a good neighbor means giving back. Whether it's sponsoring local events or offering financial literacy workshops, we aim to make a positive impact in people's lives. We recognize that every member's journey is unique, which is why we offer personalized services that cater specifically to individual needs from personal banking products like checking and savings accounts to business loans for local entrepreneurs. As we continue this journey together, we invite you to join Vantage. Experience firsthand how membership can benefit you both financially and socially. Reach out today at 314-298-0055 or visit us online at vcu.com for more information on how you can become part of our thriving community!

Our Mission

Our mission at Vantage is clear: we strive to empower our members through exceptional financial services and community involvement. We believe in supporting not only your financial goals whether that's purchasing your first home or securing an auto loan but also the well-being of the community. This dual focus helps us build lasting relationships with those we serve. As part of our commitment to accessibility, we've ensured that our facilities are ADA compliant and welcoming to everyone. While members can visit us at our branch in O'Fallon during our operating hours Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 5:30 PM, and Saturday from 9 AM to noon official correspondence should be sent to the same address.

Branch Location & Accessibility

Welcome to Vantage, your friendly neighborhood credit union located at 100 Progress Point Ct in O'Fallon, MO! We understand that convenience is key when it comes to managing your finances. That's why our branch is perfectly situated near popular landmarks like the O'Fallon City Park and just a short drive from the bustling shopping areas. At Vantage, we pride ourselves on accessibility. Our branch features ADA-compliant entrances and ample parking for our members, making it easy for everyone to visit us. While you're here, enjoy our welcoming atmosphere where you can ask questions and get personalized service. We're open Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 5:30 PM, and Saturday mornings until noon. Whether you need help with personal banking, auto loans, or any of our other services, we're here to assist you during these hours. For your convenience, while you can stop by at our physical location for all your banking needs, official correspondence should be sent to the same address: 100 Progress Point Ct, O'Fallon, MO 63368-2244. While we currently do not offer ATM services or drive-thru banking at this location, our dedicated team is ready to help with online and mobile banking options that provide flexibility for your busy lifestyle. Feel free to give us a call at 314-298-0055 if you have any questions or need assistance. We look forward to welcoming you in person soon!

Member Eligibility

Welcome to the Vantage community! Becoming a member of Vantage is like joining a family that genuinely cares about your financial well-being. To qualify for membership, you simply need to live, work, worship, or attend school in the area we serve, which makes it easy for many people to join us. Whether you're looking for personal banking solutions, auto loans, or mortgage options, our supportive team is here to help you every step of the way. To learn more about the specific eligibility details, feel free to check out our website at http://www.vcu.com/member-perks. It's packed with all the information you need to get started. Opening an account is straightforward and can be done online or by visiting us at our branch located at 100 Progress Point Ct O Fallon Mo 63368. If you have any questions or need assistance, don't hesitate to reach out at (314) 298-0055. We're excited to welcome you into our community!

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 $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.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify transactions and help your business run smoothly. Picture this: faster checkout processes, secure payment methods, and the ability to accept payments from anywhere all crucial for maintaining customer satisfaction and loyalty. Located at 100 Progress Point Ct O Fallon Mo 63368 in O Fallon, MO, we're here to provide the resources your business needs to flourish. Reach out to us at (314) 298-0055 today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing solutions provide flexible terms and competitive rates that can fit within your budget. We know that buying a car is an important decision, so our team is here to guide you through the financing process, ensuring that you drive away happy and stress-free.

Business Banking

For entrepreneurs and business owners, Vantage provides robust business banking services including merchant services and business loans tailored to meet the unique needs of small businesses. We understand that running a business requires reliable support, so we're committed to helping you succeed.

Credit Cards with Rewards

Our credit cards offer more than just purchasing power; they come with rewards that give back to you. Imagine earning points on every purchase that can be redeemed for travel, cash back, or gift cards making every swipe work in your favor!

Mortgage Loans & 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 for better rates, we offer personalized service every step of the way. Picture yourself in your dream home while enjoying the peace of mind that comes from working with a trusted lender who prioritizes your financial well-being.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services that allow you to manage your finances anytime, anywhere. From checking balances to transferring funds or paying bills directly from your smartphone, our digital banking features ensure ease of access. If you're ready to explore how Vantage can help you achieve your financial dreams, don't hesitate to reach out! Call us at (314) 298-0055 or visit us at http://www.vcu.com today. Your journey towards better banking starts here!

Personal Banking

For those looking to manage their day-to-day finances, our personal banking options include checking and savings accounts designed to help you reach your financial goals. Imagine having a checking account that not only fits your lifestyle but also offers rewards for your spending habits. At Vantage, we understand the importance of saving and budgeting, which is why our savings accounts come with competitive interest rates to help your money grow.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. With our personal loans and debt consolidation options, you can tackle those challenges head-on. Whether it's funding a special project or consolidating multiple debts into one easy payment, we are here to support you through it all.

Digital & Online Banking

Embrace Mobile Payments

For those who prefer using their phones for transactions, our mobile payments feature lets you pay for goods and services directly from your device. It's fast, simple, and reduces the need for cash or cards. In summary, at Vantage, we're committed to providing accessible and user-friendly digital banking solutions that cater to your needs. Whether it's through our online platform or mobile app, managing your finances has never been more convenient. Join us today and experience the ease of modern banking!

Going Paperless Made Easy

Say goodbye to paper clutter with e-statements! Enjoy the benefits of receiving your bank statements electronically. It's not only convenient but also eco-friendly. You can view and download them whenever you need them, which helps you stay organized and informed about your finances.

Key Features for Your Convenience

With our online banking services, you can take control of your financial world with just a few clicks. Want to check your balance or transfer funds? It's all there for you 24/7. Our mobile application makes it even simpler to manage your accounts right from your smartphone. And if you're looking to send money to friends or family, our person-to-person transfer feature allows you to do that quickly and easily.

Secure and User-Friendly Experience

Security is our top priority. We use advanced encryption technology to keep your personal information safe while making sure that accessing your account remains hassle-free. Plus, with electronic signature authorization available, signing important documents is quick and straightforward no need for printing or mailing!

Financial Strength

At Vantage, 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 want to assure you that your trust in us is well placed, as our financial health is strong and reliable. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 supports members' financial goals across various sectors with $53,675 in used auto loans and a total of $812,434,289 in loans and leases. Although our net income currently stands at $0, this reflects an operational efficiency focused on member benefits rather than profit maximization. We also take pride in having 258 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Our net shares available for lending and investments amount to $4,101,977, while our total share accounts stand at 141,678, 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, Vantage is your trusted partner. Visit us at 100 Progress Point Ct O Fallon Mo 63368 or call 314-298-0055 to learn more about how we can help you achieve your financial goals.

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. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing solutions can make the process smooth and affordable.

Business Loans

For business owners looking for growth opportunities, we have outstanding commercial loans totaling $74,883 available. These loans can provide the capital needed to expand your operations or invest in new ventures. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Vantage Credit Union in O'Fallon, MO, we're committed to supporting our members with reliable loan products that cater to all aspects of life. Reach out today to learn how we can assist you on your financial journey!

Credit Lines and Unsecured Credit Card Loans

For managing everyday expenses or unexpected bills, we offer flexible credit line loans totaling $165,947,841. Additionally, our unsecured credit card loans amounting to $35,570,990 provide you with convenient access to funds whenever you need them. This allows members to maintain control over their finances while enjoying peace of mind. If you're considering refinancing any of these products or need more information about eligibility requirements, visit us online or call us at 314-298-0055. We're happy to assist you!

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 provide tailored solutions for first-time buyers as well as those looking to refinance their current mortgages. Don't hesitate to ask about eligibility options; we're here to guide you through every step.

Loan Aggregator

Accurate Comparisons

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