West Community Credit Union
Headquarters
4161 Highway K
O Fallon, MO 63368
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2024 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 $469.36 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 | $469.36 million |
| Loans | $403.41 million |
| Deposits | $382.21 million |
| Capital | $38.48 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 - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.05% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
|
Premium Money Market Account
|
0.25% | $25,000 | $34,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.10% | $2,500 | $3,499 | Learn More |
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 1907 |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to West Community
To upload and update your bank's rates please register.
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Branches
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:
Columbus,Ohio
Climate Policy and Initiatives
WEST COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 17.51% | 6.97 |
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, 2023, West Community had $6,964,606 in non-current loans and $23,971 in owned assets. To cover these potential losses it had $38,479,168 in net worth and $1,430,912 in loans loss reserves. That gives it a Texas Ratio of 17.51%.
Net Worth
| West Community | U.S. Average |
|---|---|
| 8.19% | 13.62% |
West Community FCU has a net worth of 8.19% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for West Community
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