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Overview / Commentary
4161 Highway K
O Fallon, MO 63368-8294

West Community Credit Union is headquartered in O Fallon and is the 12th largest credit union in the state of Missouri. It is also the 1,031st largest credit union in the nation. It was established in 1936 and as of June of 2017, it had grown to 74 employees and 19,289 members at 5 locations. West Community Credit Union 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

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 - YTD0.75%
Return on Equity - YTD9.61%
Annual Interest Income$4.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$200.5MM$181.5MM
LoansQ2 2017vs Q2 2016$172.9MM$153.3MM
DepositsQ2 2017vs Q2 2016$174.2MM$161.8MM
Equity CapitalQ2 2017vs Q2 2016$15.3MM$14.0MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.1MM$973.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.7MM$1.8MM
Real Estate OwnedQ2 2017vs Q2 2016$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

0.32%$500-IRA Accumulation
0.32%$500-CESA Accumulation
0.15%--Regular Savings
0.15%--Kids Savings
0.15%--Holiday Club Account
0.15%--Vacation Club Account
0.10%--Health Savings (HSA)

West Community Credit Union Money Market Rates

0.40%*$100k*-Money Market
OTHER TIERS: 0.20% $5k - $25k | 0.25% $25k - $50k | 0.30% $50k - $75k | 0.35% $75k - $100k
0.40%$15k-Money Market Plus
0.40%*$100k*-Business Money Market
OTHER TIERS: 0.25% $5k - $25k | 0.30% $25k - $50k | 0.35% $50k - $100k

West Community Credit Union Checking Account Rates

0.15%--Premium Checking
0.15%*$25k*-High-Yield Business Interest Checking
OTHER TIERS: 0.10% $10k - $25k
0.10%--Checking Plus
0.10%--Interest Checking
0.10%$200-Business Interest Checking

West Community Credit Union CD Rates

1.81%$1k-60 Month CD
1.51%$1k-48 Month CD
1.16%$1k-36 Month CD
0.85%$1k-24 Month CD
0.75%$1k-18 Month CD
0.70%$1k-12 Month CD
0.40%$1k-6 Month CD
0.10%$1k-14 Month CD

West Community Credit Union IRA Rates

1.81%$500-60 Month IRA
1.51%$500-48 Month IRA
1.16%$500-36 Month IRA
0.85%$500-24 Month IRA
0.75%$500-18 Month IRA
0.70%$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