West Community Credit Union O’Fallon MO | Best Auto Loans & Business Banking

Introduction

Welcome to West Community, your trusted partner in financial growth and well-being since 1936. Located at 4161 Highway K, O'Fallon, MO 63368, our credit union is dedicated to serving our community with a warm touch and a commitment to helping you achieve your financial goals. With over 32,405 members and total assets of $480,510,920, we take pride in being a reliable resource for both personal and business banking needs. At West Community, we understand that every financial journey is unique. Whether you're looking for competitive rates on auto loans where we currently manage a portfolio of 20,099 loans or seeking the perfect savings account to grow your wealth, we're here for you. Our total deposits amount to $5,102,140, demonstrating our members' trust in us as a safe place to keep their money. Our leadership team, led by CEO Jason Peach and Board President Michael Murphy, works diligently to ensure that we meet the evolving needs of our members. With a strong focus on community impact and member satisfaction, we strive to make banking simple and accessible. Our staff of 122 employees is always ready to assist you with any questions or services you may need. While you can visit us at our branch location for all your banking needs, official correspondence can be sent to our mailing address: 4161 Highway K, O'Fallon, MO 63368-8294. We invite you to explore the various services we offer ranging from checking accounts and mortgages to business loans and online banking. Ready to experience the West Community difference? Call us today at 636-720-2400 or visit our website at West Community Credit Union to learn more about how we can support your financial journey!

Branch History & Mission

At West Community, we take pride in our rich history and steadfast commitment to serving the O'Fallon community. Founded in 1936, our branch has grown from humble beginnings into a trusted financial partner for over 32,000 members. Located at 4161 Highway K, O'Fallon, MO 63368, we are not just a credit union; we are a vital part of this vibrant city. Our proximity to local landmarks makes us easily accessible for all your banking needs. Over the decades, West Community has evolved significantly while staying true to our core mission: to enhance the financial well-being of our members and contribute positively to the communities we serve. As of now, our total assets stand at an impressive $480,510,920, reflecting our steady growth and the trust placed in us by our members. We understand that financial services extend beyond transactions. Our mission emphasizes supporting community initiatives and providing resources that help individuals and families achieve their dreams. From personal banking services like checking accounts and auto loans to business financing options and mortgage solutions, we strive to meet diverse needs with compassion and expertise. West Community is not just about numbers; it's about people. We believe that everyone deserves access to quality financial services tailored to their unique situations. Our dedicated team works tirelessly to ensure every member feels valued and understood. Whether you're visiting us during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, or Saturday from 9 AM to 12 PM or utilizing our drive-thru banking services, you'll always find a welcoming atmosphere here. While members can visit us at 4161 Highway K for their banking needs, official correspondence should be sent to our mailing address: 4161 Highway K, O'Fallon, MO 63368-8294. We also embrace modern advancements in banking technology. With features like online banking and mobile payments available to all members, managing your finances has never been easier or more convenient. As part of our commitment to serving the community better, we have developed partnerships with local organizations aimed at fostering growth and opportunity within O'Fallon. We actively participate in outreach efforts that support education and economic development initiatives. Join us at West Community and experience firsthand how we can support your financial journey while making a meaningful impact in our community together. Reach out today at (636) 720-2400 or visit our website at West Community to learn more about membership benefits!

Branch Location & Accessibility

Accessibility and Features

At West Community, we prioritize accessibility for everyone. Our branch is ADA compliant, ensuring that all members can navigate comfortably. You'll find ample parking available right outside the entrance, making your visit hassle-free. If you prefer quick transactions, our drive-thru service is available for your convenience.

Operating Hours

We understand that life can be busy! That's why we offer flexible operating hours to fit your schedule. Our lobby is open Monday through Thursday from 9:00 am to 5:00 pm, with extended hours on Friday until 6:00 pm. We also welcome you on Saturday mornings from 9:00 am until noon. For those who need to use the drive-thru, it opens earlier at 8:00 am on weekdays and maintains similar Saturday hours.

Services Offered

West Community provides a variety of services tailored to meet your financial needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage financing, we've got you covered. Plus, our ATM availability ensures that cash withdrawal is quick and easy. If you are part of a partner credit union, feel free to take advantage of shared services for deposits and withdrawals as well. Don't hesitate to reach out! You can give us a call at 636-720-2400 if you have any questions or need assistance before visiting. We look forward to seeing you soon at West Community where your banking needs are met with a smile!

Member Eligibility

Becoming a member of West Community is like joining a family that truly cares about your financial well-being. Located at 4161 Highway K O Fallon Mo 63368, we welcome individuals who live, work, worship, or attend school in the community. Whether you're looking for great rates on loans, personalized service, or just a supportive place to manage your finances, you'll find it here. To learn more about the specific eligibility criteria, feel free to check out our detailed guide at https://www.westcommunitycu.org/membership/index.htm . Joining is easy and accessible for everyone! Simply reach out to us at (636) 720-2400 or visit our website for information on how to open an account at https://www.westcommunitycu.org/applications/index.htm . We're excited to have you as part of our community and look forward to helping you achieve your financial goals!

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

Imagine running your operations smoothly while providing excellent customer service. Our merchant services offer practical tools that simplify payment processing, ensuring you can focus on what matters most growing your business. From credit card processing to online payment solutions, we equip you with the resources needed to enhance customer experiences and streamline transactions. Visit us at 4161 Highway K O Fallon Mo 63368 in O Fallon, MO, or contact us at (636) 720-2400 to learn more about how our business banking and commercial services can support your journey toward success.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need quick access to cash? Our ATM services are available for withdrawals and balance checks whenever you need them. Additionally, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your car perfect for those busy days when time is tight.

Business Banking

For our business members, we provide tailored solutions like merchant services and business loans to keep your operations running smoothly. We know how crucial it is for businesses to have reliable financial support, so we strive to deliver excellent service and flexible options.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we have robust online and mobile banking features that allow you to manage your accounts from anywhere. Whether you're checking balances, making transfers, or paying bills, you can do it all from the palm of your hand. With features like mobile payments and electronic statements, keeping track of your finances has never been easier.

Personal Banking

Starting with personal banking, we offer checking and savings accounts that cater to your everyday needs. Imagine having an account that helps you budget better while providing easy access to your funds. Our auto loans and vehicle financing options make purchasing that dream car straightforward and hassle-free. Plus, if you're considering homeownership or want to refinance, our mortgage loans can guide you through the process with competitive rates and personalized support. If life throws unexpected expenses your way, our personal loans and debt consolidation services can help you regain control over your finances. And for those who enjoy rewards, our credit cards with rewards can offer you perks just for using them.

Shared Branch Transactions

As part of our commitment to community banking, we also offer basic shared branch transactions for members of partner credit unions. This means you can easily make deposits or withdrawals even if you're away from your home branch. At West Community, we pride ourselves on offering these comprehensive services in a friendly environment where members feel valued. Our team is always ready to assist you with any questions or concerns you may have. Ready to take the next step in managing your finances? Give us a call at (636) 720-2400 or visit us today at 4161 Highway K O Fallon Mo 63368. We're excited to help you achieve your financial goals!

Digital & Online Banking

Key Features of Our Digital Banking Services

With just a few clicks at https://www.westcommunitycu.org/ , you can take control of your banking needs. Our online banking service allows you to check balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you're looking for a more mobile experience, our user-friendly mobile application is available for download, making banking even simpler. Keeping your information safe is our top priority. We offer electronic signature authorization for secure transactions, so you can sign documents digitally without worry. Plus, with e-statements readily available, you can say goodbye to paper clutter while keeping track of your finances effortlessly.

Manage Your Money on the Go

One of the standout features is our mobile payments option. You can make quick and easy transactions right from your phone perfect for those busy days when time is tight. And if you ever need to send money to friends or family, our person-to-person transfer feature makes it simple (note that this feature may not be available). Whether it's day or night, our 24/7 online banking services ensure that you have access whenever you need it. With real-time account management capabilities at your fingertips, tracking spending and managing budgets has never been easier. At West Community, we're dedicated to providing our members with an accessible and secure banking experience that fits into their daily lives. Experience the ease and flexibility of digital banking today!

Financial Strength

A Strong Foundation

With a net worth of $39,071,884, we maintain strong 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.

Commitment to Growth

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 is robust with $5,478 in used auto loans and $404,784,179 in total loans and leases, supporting members' financial goals across various sectors.

Growing Together

Total Share Accounts stand at 60,583, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $1,160,275, further highlighting our commitment to being your trusted partner in every financial endeavor. 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 4161 Highway K O Fallon Mo 63368 or call (636) 720-2400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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 $1,020,854 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 120 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

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. We provide flexible terms that can be tailored to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $20,558,082 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are here to support your endeavors with tailored lending solutions. We want you to feel confident in exploring these loan products. If you're considering refinancing or want to know about eligibility options for any of our offerings, please don't hesitate to reach out. You can contact us at 636-720-2400 or visit us at 4161 Highway K O'Fallon MO 63368. 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 the next step toward achieving your financial dreams!

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. We strive to support you through every step of the process, ensuring you find the right mortgage solution for your needs.

Unsecured Credit Cards

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. This option provides an easy way to cover unexpected expenses while building your credit score.

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WEST COMMUNITY CREDIT UNION