West Community


4161 Highway K
O Fallon, MO 63368
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.40% 0.67% →
2-Year CD 0.50% 0.75% →
5-Year CD 0.65% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

West Community is an NCUA insured institution located in O Fallon, MO. It was founded in 1936 and has approximately $333.3 millions in assets.

Who can join?

Anyone who lives or works in:
St. Louis County, St. Charles County, Boone County, City of Sikeston, Mo., ZIP codes 63108 or 63113, or students, faculty, staff, alumni and student organizations of University of Missouri-Columbia, Stephens College and Columbia College

Anyone employed by one of the union's employee groups

Any family of a current member including:
parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin and step, in-law and adoptive relationships

NCUA Insured Yes / State-Chartered
Charter Number # # 62801
Date Established 1936
Assets $333.30 million
Loans $293.43 million
Deposits $278.15 million
Capital $27.58 million

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.

Deposit Rates - May 11, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
Premium Money Market Account
0.25% $25,000 $34,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.60% $10,000 $14,999 Learn More
48 Mo CD
0.60% $100,000 $199,999 Learn More
60 Mo CD
0.65% $10,000 $14,999 Learn More
60 Mo CD
0.65% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - May 11, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for WEST COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875% 0.88 $2,250 $1,038 Learn More
Morty, Inc.
NMLS ID: 1429243
2.572% 2.500% 0.50 $2,385 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.990 %
After Intro: 4.700 %
Intro Period: 12 months
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are West Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

West Community Locations

Financial Details

West Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of West Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
West Community U.S. Average
8.55% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, West Community had $2,519,686 in non-current loans and $20,010 in owned assets. To cover these potential losses it had $27,584,649 in net worth and $2,124,605 in loans loss reserves. That gives it a Texas Ratio of 8.55%.

Net Worth
West Community U.S. Average
8.27% 12.67%

West Community FCU has a net worth of 8.27% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About West Community

Branches and Savings

What is West Community?

A credit union, registered with the NCUA under certificate #62801.
Learn more about credit unions here.

Is West Community FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. West Community is insured by the NCUA.

Who can join West Community?

Please see Field of Membership information above for information on who is eligible to join.

What are West Community's share account and share certificate rates?

West Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is West Community?

West Community has total capital of $27.58 million. Full information on West Community's financial position is located above.

Who owns West Community?

Credit Unions are owned by their members.

Where are West Community branches located?

See branch locations nearby.

Are West Community ATMs Open 24/7?

Do West Community ATMs accept cash deposits?

Can West Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does West Community have a mobile app?

Does West Community have mobile deposit?

Does West Community have quick pay?

How can West Community transfer money to other banks or credit unions?

Does West Community report to credit bureaus?

Does West Community use Chexsystems?

Does West Community use Equifax?

What is West Community's toll free phone number?

What is West Community's ACH Routing Number?

What is West Community's SWIFT code?

Where can I find West Community's wire transfer form?

What is the West Community address for deposits?

What Products Does West Community Offer

Does West Community offer mortgages?

Compare mortgage rates here.

Does West Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does West Community offer auto and RV loans?

Compare auto loan rates here.

Does West Community offer student loans or personal loans?

Compare personal loan rates here.

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