West Community Credit Union

Overview / Commentary
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 866th largest credit union in the nation. It was established in 1936 and as of March of 2022, it had grown to 116 employees and 27,514 members at 8 locations. West Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership in West Community Credit Union is open to those who live or work in the Missouri counties of Boone, Franklin, Lincoln, St. Charles, or St. Louis, as well as those who live or work in the City of Sikeston or the City of St. Louis. Membership is also open to faculty, staff, students, and alumni of University of Missouri-Columbia, Stephens College, and Columbia College. Employees of more than 40 Select Employer Groups, including several city governments, are also eligible to join.
See current membership details

Reviews (1)

One of my favorite places to handle my money.

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.


Health Grade Components

NCUA #62801
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD4.24%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$373.3MM$357.8MM
LoansQ1 2022vs Q1 2021$326.8MM$291.1MM
DepositsQ1 2022vs Q1 2021$315.2MM$300.8MM
Equity CapitalQ1 2022vs Q1 2021$27.7MM$25.1MM
Loan Loss AllowanceQ1 2022vs Q1 2021$2.2MM$2.0MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$1.7MM$1.4MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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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

0.25%$500-IRA Accumulation
0.05%$100-Regular Savings
0.05%--Kids Savings
0.05%$25-Holiday Club Account
0.05%--Health Savings (HSA)
0.05%$25-Vacation Club Account

West Community Credit Union Money Market Rates

0.25%*$250k*-Money Market Plus
OTHER TIERS: 0.10% $15k - $50k | 0.15% $50k - $100k | 0.20% $100k - $250k
0.25%*$250k*-Business Money Market
OTHER TIERS: 0.05% $5k - $50k | 0.10% $50k - $100k | 0.20% $100k - $250k
0.20%*$250k*-Money Market
OTHER TIERS: 0.05% $2.5k - $50k | 0.10% $50k - $250k

West Community Credit Union Checking Account Rates

0.10%*$25k*-High-Yield Business Interest Checking
OTHER TIERS: 0.05% $10k - $25k
0.05%--Interest Checking
0.05%$2.5k-Business Interest Checking

West Community Credit Union CD Rates

0.75%$500-60 Month CD
0.70%$500-48 Month CD
0.65%$500-36 Month CD
0.55%$500-24 Month CD
0.45%$500-18 Month CD
0.40%$500-12 Month CD
0.30%$500-6 Month CD

West Community Credit Union IRA Rates

0.75%$500-60 Month IRA
0.70%$500-48 Month IRA
0.65%$500-36 Month IRA
0.55%$500-24 Month IRA
0.45%$500-18 Month IRA
0.40%$500-12 Month IRA

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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