2. West Community Credit Union

West Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.83%5-year CD
3.10% - American Express National Bank 60 Month CDAdvertisement
1.51%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
0.15%Savings
2.20% - Barclays Online Savings AccountAdvertisement
View all West Community Credit Union rates »

Overview / Commentary
www.westcommunitycu.org
636-720-2400
4161 Highway K
O Fallon, MO 63368-8294

West Community Credit Union is headquartered in O Fallon and is the 9th largest credit union in the state of Missouri. It is also the 882nd largest credit union in the nation. It was established in 1936 and as of September of 2018, it had grown to 88 employees and 25,450 members at 8 locations. West Community Credit Union's CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work in St. Louis, St. Charles, Lincoln, Boone, or Franklin Counties, the city of Sikeston, zip codes 63108 and 63113 in St. Louis, Missouri. Membership is also open to faculty, staff, students, and alumni of University of Missouri-Columbia, and Stephens College and Columbia College and to employees of the credit union's area select employer groups.
See current membership details

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Reviews (1)

One of my favorite places to handle my money.

Posted by: EricFarlow | Dec 28, 2015

I recently moved from St. Louis to Kansas City. One of the worst parts about making this move is that I am no longer able to bank with the West Community Credit Union. I first found West Community thru the advice of my mother and I was pleasantly surprised at how reliable and easy it was to maintain my first checking and savings accounts. I have always been told that credit unions were the way to go, and West Community Credit Union absolutely upholds this rule. Everyone there was extremely courteous and lived locally. There was a tight knit sense of togetherness and I could really tell they valued their customers. Whenever I had an issue, it was easy to walk right in and talk to a person who had direct access to fixing my issue. I hear they are now using mobile apps which is really cool. I hope one day to reopen an account with them.

1


Health
B+

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #62801
Year Chartered1936
Employees88
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD6.62%
Annual Interest Income$8.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$260.0MM$199.9MM
LoansQ3 2018vs Q3 2017$230.8MM$176.4MM
DepositsQ3 2018vs Q3 2017$203.8MM$173.0MM
Equity CapitalQ3 2018vs Q3 2017$19.3MM$15.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.4MM$1.2MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.5MM$1.9MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not West Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

West Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-IRA Accumulation
0.15%$100-Regular Savings
0.15%--Kids Savings
0.15%$25-Holiday Club Account
0.15%$25-Vacation Club Account
0.10%--Health Savings (HSA)

West Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%*$100k*-Money Market
OTHER TIERS: 0.20% → $2.5k - $5k | 0.25% → $5k - $10k | 0.30% → $10k - $25k | 0.35% → $25k - $50k | 0.40% → $50k - $75k | 0.45% → $75k - $100k
0.55%*$250k*-Business Money Market
OTHER TIERS: 0.25% → $5k - $25k | 0.30% → $25k - $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k
0.40%$15k-Money Market Plus

West Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-High-Yield Business Interest Checking
OTHER TIERS: 0.10% → $10k - $25k
0.10%$2.5k-Interest Checking
0.10%$2.5k-Business Interest Checking

West Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.83%$500-60 Month CD
2.68%$500-48 Month CD
2.52%$500-25 Month CD Special
2.47%$500-36 Month CD
2.07%$500-24 Month CD
2.02%$500-11 Month CD Special
1.86%$500-18 Month CD
1.51%$500-12 Month CD
1.26%$500-6 Month CD

West Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.83%$500-60 Month IRA
2.68%$500-48 Month IRA
2.47%$500-36 Month IRA
2.07%$500-24 Month IRA
1.86%$500-18 Month IRA
1.51%$500-12 Month IRA
Locations


West Community Credit Union Locations
Branch Office308 S 9th St Ste 114Columbia, MO 65201-5161
Branch Office4161 Highway KO Fallon, MO 63368-8294
Branch Office2345 S Brentwood BlvdSaint Louis, MO 63144-2033
Branch Office465 S Kirkwood RdSaint Louis, MO 63122-6119
Branch Office3310 Bluff Creek Dr Ste 101Columbia, MO 65201
Branch Office1222 Spruce St Rm 10.209Saint Louis, MO 63103-2831
Branch Office18 Mullanphy Garden Shopping CtrFlorissant, MO 63031-3412
Branch Office101 Pond Fort TrlLake St Louis, MO 63367-4022

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