West Community Credit Union Saint Peters MO | Best Auto Loans & Business Banking

Introduction

Welcome to West Community, your trusted financial partner located at 7900 Mexico Rd, Saint Peters, MO 63376. Established in 1936, we have proudly served our community for over 85 years, fostering strong relationships with our 32,405 members. Our commitment to providing exceptional service is reflected in our impressive total assets of $480,510,920 and total deposits amounting to $5,102,140. At West Community, we understand that financial decisions can be daunting. That's why we strive to create a welcoming environment where you can feel comfortable discussing your needs. Whether you're looking for personal banking services like checking and savings accounts or seeking financing options such as auto loans and mortgages, we've got you covered. Our dedicated team of 122 employees, led by CEO Jason Peach and Board President Michael Murphy, is here to guide you every step of the way. For those who prefer digital convenience, our online and mobile banking services make managing your finances easier than ever. Plus, with an ATM on-site and drive-thru service available, accessing your funds has never been more convenient. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to our mailing address at 4161 Highway K, O'Fallon, MO 63368-8294. If you're ready to take the next step toward achieving your financial goals or if you have any questions about our services, don't hesitate to reach out! Give us a call at 636-978-8800 or visit us online at westcommunitycu.org. We look forward to serving you!

Branch History & Mission

Commitment to Community

Our commitment goes beyond just banking. We actively engage in community outreach initiatives aimed at making Saint Peters a better place for everyone. By partnering with local organizations and participating in events throughout the year, we strive to give back and support those around us. In today's fast-paced world, we've made sure that you can access your finances anytime through online and mobile banking options. Our facilities are designed with ADA compliance in mind so that everyone can access our services comfortably.

Join Us!

As we look forward to the future, we invite you to become part of our family at West Community. Experience firsthand how we put your needs first while helping you navigate your financial goals. Call us at 636-978-8800, or visit us during our operating hours: Monday, Tuesday & 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 today and let's build a brighter tomorrow together!

Our Journey

From our humble beginnings, West Community has continuously evolved to meet the needs of our members. Our physical location at 7900 Mexico Rd, Saint Peters, MO 63376 is easily accessible and close to local landmarks that make it a central part of this thriving community. We've expanded our services and embraced new technologies while staying true to our mission of fostering financial well-being for all members. Our growth story is not just about numbers; it's about people. The trust placed in us by our members drives everything we do. We are proud of our dedicated team of 122 employees who work tirelessly to ensure every interaction is positive and impactful.

Our Mission

At West Community, our mission is clear: we are here to empower individuals and families through accessible financial services and robust community support. We believe that everyone deserves the opportunity to achieve their dreams whether it's buying a home, financing a vehicle, or saving for the future. We provide a range of services including personal banking accounts, auto loans, mortgages, and credit cards with rewards tailored to fit various lifestyles. We also focus on business banking solutions because we recognize the vital role that local businesses play in our economy. While members can visit us at 7900 Mexico Rd, official correspondence should be sent to 4161 Highway K, O'Fallon, MO 63368-8294 if needed.

Branch Location & Accessibility

Get In Touch

Have questions or want to learn more about our services? Don't hesitate to give us a call at 636-978-8800. We're excited to assist you on your financial journey! Come visit us at West Community today; we can't wait to welcome you!

Operating Hours

We know that life gets busy, so we strive to offer flexible hours that fit your schedule. Our lobby hours are 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. Feel free to drop by during these times for all your banking needs!

Parking and Accessibility

When you visit us, you'll find ample parking available right outside our entrance. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and facilities to ensure everyone can bank comfortably. Whether you're coming in for a quick transaction or need assistance with your account, our friendly staff is here to help.

Services Offered

At West Community, we provide a range of services tailored for you. From personal banking accounts like checking and savings to auto loans and mortgages, we have solutions that meet your financial goals. Need cash? Our ATM is readily available for withdrawals and balance inquiries. Plus, if you're looking for convenience, we offer drive-thru banking for quick deposits and withdrawals without leaving your car. Additionally, we participate in shared services with partner credit unions, allowing you access to basic transactions even if you're away from home.

Member Eligibility

Becoming a member of West Community feels like joining a warm and welcoming family, where your financial well-being is the top priority. If you're curious about membership, you'll be glad to know that eligibility is quite simple! Anyone who lives, works, or worships in the Saint Charles County area can become part of our community. This means that whether you're a resident or just spending time here, you can access all the benefits we offer. Plus, becoming a member opens up a world of personalized service and competitive rates that truly make a difference in your financial journey. To get started, it's as easy as reaching out to us at (636) 978-8800 or visiting our website for more details. You can check out the full eligibility criteria at https://www.westcommunitycu.org/membership/index.htm, and when you're ready to open an account, just follow the instructions at https://www.westcommunitycu.org/applications/index.htm. We can't wait to welcome you to West Community, located at 7900 Mexico Rd Saint Peters Mo 63376, where your goals are supported every step of the way!

Business Banking & Commercial Services

Financing That Works for You

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 Made Easy

In today's fast-paced market, having reliable merchant services can make all the difference. Whether you're a small café or a growing retail store, our merchant services simplify payment processing, allowing you to focus on what you do best serving your customers. Imagine being able to accept payments seamlessly from all major credit cards while enjoying competitive rates and dedicated support. At West Community, we're not just about loans; we're about building relationships and supporting your journey every step of the way. Let's grow together! For more information, visit us at https://www.westcommunitycu.org/.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? With our Auto Loans & Vehicle Financing, getting behind the wheel is easier than ever. We provide competitive rates and flexible terms, so you can find a loan that fits your budget. Whether it's a new or used vehicle, we'll help make it happen without the stress.

Business Banking

If you're a business owner, we have tailored solutions just for you! Our Business Banking services include merchant services and business loans designed to support your growth. We know running a business comes with its challenges; let us partner with you on this journey.

Convenient Access & Additional Services

Our focus on convenience means we offer Online & Mobile Banking for easy account management anytime, anywhere. You can also rely on our ATM and cash withdrawal services at numerous locations for quick access to your funds. If you're in need of simple transactions like deposits or withdrawals, our drive-thru service ensures efficiency without leaving your car. Furthermore, as part of our community approach, we provide basic shared branch transactions for partner credit union members making banking even more accessible! Whether you're visiting us at 7900 Mexico Rd Saint Peters Mo 63376 or connecting with us by phone at (636) 978-8800, we're here to assist with all your financial needs. Join us today at St. Peters and discover how we can help make your financial goals achievable! Ready to take the next step? Visit us online at https://www.westcommunitycu.org/ or give us a call we can't wait to serve you!

Credit Cards with Rewards

Enjoying everyday purchases can also earn you rewards! With our Credit Cards with Rewards, every swipe counts towards points that can be redeemed for exciting benefits. It's an excellent way to make your spending work harder for you while enjoying the perks of being a member at West Community.

Mortgage Loans & Refinancing

Homeownership is within reach with our Mortgage Loans & Refinancing options. We offer various mortgage plans to fit your needs, whether you're buying your first home or refinancing an existing loan for better rates. Our dedicated team is here to guide you through each step, ensuring a smooth process from application to closing.

Personal Banking

We understand that managing your finances can be overwhelming. That's why we offer Personal Banking solutions, including checking and savings accounts designed to help you keep track of your money effortlessly. Imagine having easy access to your funds whenever you need them whether it's through our user-friendly online banking platform or via our mobile app that lets you bank on-the-go.

Personal Loans & Debt Consolidation

For those times when unexpected expenses arise or when you're looking to consolidate debt, our Personal Loans & Debt Consolidation services can provide the support you need. We work with you to create a plan that helps lighten your financial load, allowing you to focus on what matters most.

Digital & Online Banking

At West Community, we understand that managing your finances should be as easy as a few taps on your phone or clicks on your computer. That's why we offer a robust suite of digital and online banking services designed to keep you connected to your money anytime, anywhere. Whether you're at home, on the go, or just need to manage your accounts quickly, our services provide the convenience and security you deserve. With our 24/7 online banking services available at https://www.westcommunitycu.org/, you can access your accounts whenever it suits you. Check your balances, pay bills, and transfer funds without having to step foot in a branch. Plus, our mobile application makes banking even easier with features like mobile payments, letting you pay securely with just a tap. For those who prefer digital documents, we offer e-statements so you can receive your account statements electronically. This not only helps the environment but also keeps your information safe and easily accessible. And if you ever need to sign documents digitally, rest assured that we provide electronic signature authorization, making transactions simple and hassle-free. While person-to-person transfers aren't available at this time, our platform ensures quick and secure transactions between your accounts or within our network. Every feature is designed with user-friendliness in mind so whether you're tech-savvy or just getting started with online banking, you'll find it straightforward and intuitive. At West Community, we're committed to giving you the tools to manage your finances effectively while prioritizing security. Explore all these services today by visiting us online at https://www.westcommunitycu.org/!

Financial Strength

Conclusion

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 7900 Mexico Rd Saint Peters Mo 63376 or call (636) 978-8800 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Dedicated Team

We 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. With total share accounts reaching 60,583, it's clear that more people trust us with their finances every day.

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.

Reinvesting in Our Future Together

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. Additionally, with $5,478 in used auto loans and $404,784,179 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our success is also evident from our $1,020,854, reflecting our operational efficiency. This performance enables us to continue offering competitive loan rates and solid financial products for our members.

Strong Financial Health

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. We have already issued $34,062,840 in new vehicle loans and $95,036,717 in used vehicle loans, helping members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our flexible terms can fit your budget.

Business Loans

For business owners looking to expand or invest in new opportunities, our outstanding commercial loans totaling $20,558,082 provide essential capital for growth. We understand the unique challenges businesses face and are committed to helping you succeed. At West Community in Saint Peters, MO (7900 Mexico Rd), our dedicated team is ready to assist you with personalized service tailored to your financial situation. For any questions or to explore your options further, feel free to call us at 636-978-8800. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan products today and see how we can help you take the next step toward achieving your dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options simplify buying or refinancing your home. With $155,646,608 in Junior Lien 1-4 Family Residential Properties loans available, we're here to support you through every step of the process. We also provide refinancing options to help you lower your monthly payments or access cash from your home's equity.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we offer flexible terms on unsecured credit card loans, with a total of $14,113,132 in loans helping members manage their finances effectively. Enjoy peace of mind knowing you have access to funds when needed.

Loan Aggregator

Ensuring 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 commitment to accuracy ensures that all loan offers presented are fair and transparent. Users can trust that they are viewing legitimate options tailored to their financial situation.

The Benefits of Using LendMesh

LendMesh stands out for several 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 loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Explore your options today. Compare real-time loan offers 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