West Community Credit Union Columbia MO | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to West Community, your trusted financial partner in Columbia, MO! Established in 1936, we have proudly served our community for over 85 years. Located at 4401 Smith Dr, Columbia, MO 65203, our branch is dedicated to helping you achieve your financial goals. With a robust membership of 32,405 and total assets reaching an impressive $480,510,920, we are here to provide personalized service tailored to your needs. At West Community, we understand the importance of reliable banking services. That's why we offer a range of options, including checking and savings accounts, auto loans, mortgage loans, personal loans, and even business banking solutions. With $5,102,140 in total deposits and a commitment to member satisfaction, you can trust that your finances are in good hands. Our leadership team is passionate about community engagement and financial education. Led by CEO Jason Peach and Board President Michael Murphy, our skilled staff of 122 employees is ready to assist you with any questions or concerns. Whether you're visiting us in person or utilizing our online services through our website westcommunitycu.org, we strive to make your banking experience as smooth as possible. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at 4161 Highway K, O'Fallon, MO 63368-8294. Experience the West Community difference today! Call us at 573-443-8462 or stop by during our operating hours: Monday through Tuesday and Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM until noon. Join us in building a brighter financial future together!

Branch History & Mission

Community Engagement

Beyond financial services, we actively engage with our local community through various outreach programs and partnerships. We understand that supporting local initiatives creates a stronger bond within our neighborhoods. Whether it's sponsoring local events or collaborating with schools and nonprofits, we believe in giving back to those who trust us with their financial needs. We are proud of our dedicated staff who work tirelessly to provide excellent customer service while maintaining a welcoming atmosphere in our branch. If you ever need assistance or have questions about your accounts or loans, feel free to reach out at 573-443-8462 during our operating hours: - Monday, Tuesday & Thursday: 9 AM - 5 PM - Wednesday: 10 AM - 5 PM - Friday: 9 AM - 6 PM - Saturday: 9 AM - Noon Whether you prefer visiting us in person or utilizing our digital services like ATM access and drive-thru banking we're here for you.

Join Us!

As we continue to grow and evolve alongside our beloved Columbia community, we invite you to join West Community Credit Union. Experience firsthand how we put people before profits and make your financial goals achievable. Together, let's build a brighter future! Visit us today or learn more about membership here.

Our Mission

Our mission is clear: We strive to empower our members by providing accessible and affordable financial services while fostering community growth. Whether you're opening your first savings account or seeking guidance on loans and mortgages, West Community is here to help every step of the way. We believe that when our members succeed financially, the entire community thrives. At West Community, we are committed to staying ahead of the curve by embracing technology that makes banking easier for everyone. With features like online banking and mobile payments available, accessing your finances has never been simpler. Our branch is also ADA compliant, ensuring that everyone can benefit from our services without barriers.

Branch Location & Accessibility

Convenient Access

Parking is available right outside our doors, ensuring a smooth start to your banking experience. Our branch is equipped with accessibility features, including ADA-compliant ramps, so everyone can feel welcome. For those on the go, we proudly offer drive-thru banking services for quick deposits and withdrawals without leaving your vehicle. Plus, enjoy the added convenience of an ATM on-site for all your cash needs!

Nearby Landmarks

If you're new to the area or just passing through, you'll find us close to notable spots like the local parks and shopping centers. This makes it easy to combine errands with a visit to your credit union! While members can visit us at 4401 Smith Dr Columbia Mo 65203, please send any official correspondence to our mailing address at 4161 Highway K, O'Fallon, MO 63368-8294.

Visit Us During Our Operating Hours

At West Community, we understand that life can get busy. That's why we're here for you during convenient hours: Monday through Tuesday and Thursday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon. Whether you need to open a new account or discuss loan options, our friendly staff is ready to assist you.

We’re Here for You

We invite you to stop by or give us a call at 573-443-8462. Our dedicated team at West Community is here to provide personalized service tailored just for you. Come see how we can help meet your financial needs today!

Member Eligibility

At West Community, becoming a member feels like joining a caring community that values you and your financial well-being. If you're looking to be part of something special, we welcome individuals who live, work, or worship in our local area. Whether you're a student just starting out or a family looking for reliable banking options, there's a place for you here. To learn more about the specific eligibility requirements, please visit our membership page. Opening an account is a breeze! We make it simple so that you can focus on what matters most. You can start your journey with us by visiting our account opening page or giving us a call at (573) 443-8462 if you have any questions. Join us at West Community, located at 4401 Smith Dr Columbia Mo 65203, and experience the benefits of being part of our supportive credit union 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 $40 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 $20,558,082, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, efficient payment solutions are key to keeping your operations running smoothly. Our merchant services provide businesses with the tools they need to accept payments easily, whether it's through credit cards, mobile payments, or online transactions. Imagine being able to serve your customers without worrying about complicated payment processes our services help make that a reality. Visit us at 4401 Smith Dr Columbia Mo 65203 in Columbia, MO, or call us at (573) 443-8462 to learn more about how we can support your business journey!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need quick cash or want to deposit a check? Our ATM & Cash Withdrawal Services provide easy access to your funds without stepping inside the branch. Plus, our basic drive-thru banking allows you to handle deposits and withdrawals swiftly while on the go.

Business Banking Solutions

For our business members, we understand the unique challenges you face. That's why we offer comprehensive Business Banking services including merchant services and business loans tailored to fit your operational needs. We're committed to supporting local businesses in achieving their goals.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at West Community, we have developed robust Online & Mobile Banking platforms that allow you to access your accounts anytime and anywhere. With features like mobile payments and e-statements, managing your finances has never been easier.

Personal Banking Made Easy

For individuals and families, we offer Personal Banking solutions that include checking and savings accounts designed to help you manage your day-to-day finances effectively. Our Auto Loans & Vehicle Financing options make it simple to drive away in the car of your dreams. If you're considering buying a home or refinancing your current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized support. Additionally, our Personal Loans & Debt Consolidation products help simplify your financial commitments.

Rewards That Matter

When it comes to credit options, we provide Credit Cards with Rewards, allowing you to earn points for everyday purchases that can be redeemed for travel, merchandise, or cash back. This means every swipe can bring you closer to your next adventure or treat!

Shared Branch Transactions

As part of our commitment to accessibility, we also offer Basic Shared Branch Transactions for partner credit union members. This means you can complete deposits and withdrawals conveniently if you're traveling outside of our area. At West Community Credit Union in Columbia, MO, we are more than just a financial institution; we're your partner in achieving financial wellness. For any inquiries or assistance regarding our services, please feel free to contact us at 573-443-8462 or visit us online at www.westcommunitycu.org. We invite you to explore how we can help meet your financial needs today!

Digital & Online Banking

Key Features

Enjoy the convenience of electronic statements, which are not only eco-friendly but also help you stay organized. With Yes available, you'll receive your account statements right to your inbox no more waiting for the mail! Plus, our mobile application lets you manage your accounts on-the-go. You can download it easily and get started right away. For added flexibility, we also support mobile payments, making it simple to pay for purchases directly from your smartphone. Whether you're out shopping or grabbing a coffee, your finances are just a tap away. And if you ever need to sign documents quickly, our electronic signature authorization ensures everything is handled securely and efficiently. Though person-to-person transfers aren't available right now, rest assured that we're constantly looking for ways to enhance our services for our members. With all these features combined, West Community makes it easy for you to manage your money effectively while keeping security as a top priority. Join us today and take advantage of these convenient tools designed with you in mind!

Financial Strength

A Trusted Partner for Your Financial Goals

Net Shares (Funds available for lending and investments): $1,160,275. Total Share and Deposit Accounts: 60,583, showing 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, West Community is your trusted partner. Visit us at 4401 Smith Dr Columbia Mo 65203 or call (573) 443-8462 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $122,041,431 in share certificates and $41,575,440 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $18,739,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our success is reflected in our $1,020,854 which showcases our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 120 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Future

With $34,820,529 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 your financial goals across various sectors with $5,478 in used auto loans and $404,784,179 in total loans and leases.

Strong Financial Health

With a net worth of $39,071,884, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $812 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 $95,036,717 in used vehicle loans and $34,062,840 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new vehicle or a reliable used option, we've got you covered with flexible terms to suit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $20,558,082 provide the capital needed to grow and expand your business. We understand that every business has unique financing needs, and our team is ready to work with you to find the best solution.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $155,646,608, make buying or refinancing simple. Our dedicated team is here to guide you through the process, ensuring you find the right mortgage solution tailored to your needs.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we also provide refinancing options across all our loan products. It's easy to see if you qualify; simply reach out for more information! At West Community, we're committed to helping our members navigate their financial journey with confidence. For more details on our loan offerings or eligibility requirements, give us a call at (573) 443-8462 or visit us at 4401 Smith Dr Columbia Mo 65203. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $14,113,132 in loans helping members manage their finances effectively. These cards come with competitive rates and easy-to-understand terms, making them an excellent choice for everyday spending or unexpected expenses.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to quality is based on the latest results (Source: https://www.ncua.gov ), which guarantees that users receive fair and transparent offers. Users can trust that all loan offers displayed on LendMesh come from legitimate financial institutions. This verified data not only fosters transparency but also helps potential borrowers feel secure in their choices.

Benefits of Using LendMesh

LendMesh stands out for several key reasons: - 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. 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!" Such testimonials highlight the effectiveness of this tool in helping borrowers find suitable loans. Ready to explore your options? 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.

WEST COMMUNITY CREDIT UNION