Credit union · NCUA insured
West Community Credit Union
A $498.8M credit union headquartered in O'Fallon, MO, with 32,303 members and 16 branches in 2 states. Best rates: CDs 4.00% and savings 0.60% APY.
West Community Credit Union Carrot Score
81
Carrot Score
Higher than 55% of U.S. banks and credit unions
#38 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About West Community Credit Union
Founded in 1936 as Brentwood Mutual Credit Union, West Community Credit Union is a member-owned financial cooperative headquartered in O'Fallon, Missouri.
Established to provide access to fair loans and honest banking for Brentwood residents, the credit union now operates ten full-service branches across the greater St. Louis and Columbia regions.
It expanded through partnerships and mergers with Tigers Community Credit Union, Apex Financial Credit Union, and Missouri Valley Federal Credit Union.
- Headquarters
- 4161 Highway K, O'Fallon, MO 63368-8294
- NCUA charter
- 62801
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in St. Louis County, MO; St. Louis, MO; St. Charles County, MO; Warren County, MO; Franklin County, MO; Lincoln County, MO; Boone County, MO; Jefferson County, MO; Sikeston, MO; Madison County, IL; Monroe County, IL; or St. Clair County, IL.
Military, government and schools
- Membership is open to MIZZOU, Stephens College, and Columbia College students, faculty, staff, alumni, and student organizations.
Family and household
- Membership is open to anyone with a qualifying family member (parent, legal guardian, spouse, son, daughter, sibling, grandparent, grandchild, nephew, niece, uncle, aunt, first cousin, step, in-law, and adoptive relationships) living or working in any of the listed geographic affiliations, regardless of whether that family member is an existing member.
Cost to join
- Membership requires a $5 initial share deposit in a savings account.
Branches
16 branches in 2 states
Loading map…
Missouri
15 branches
St. Louis area · 12
- O'FallonMain office4161 Highway K, O'Fallon, MO 63368Directions
- Operations Center/Back OfficeMain office1001 Pine St, St. Louis, MO 63101Directions
- Florissant18 Mullanphy Garden Shopping Ctr, Florissant, MO 63031Directions
- North County2129 Charbonier Rd, Florissant, MO 63031Directions
- Lake St. Louis101 Pond Fort Trl, Lake St. Louis, MO 63367Directions
- Brentwood2345 S Brentwood Blvd, St. Louis, MO 63144Directions
- Kirkwood465 S Kirkwood Rd, St. Louis, MO 63122Directions
- RAY Building1222 Spruce St Rm 10.209, St. Louis, MO 63103Directions
- South9992 Lin Ferry Dr, St. Louis, MO 63123Directions
- St. Peters1421 Jungermann Rd, St. Peters, MO 63376Directions
- St. Peters7900 Mexico Rd, St. Peters, MO 63376Directions
- Twin Oaks840 Meramec Station Rd, Valley Park, MO 63088Directions
Columbia area · 3
- Tigers Community Credit Union3310 Bluff Creek Dr Ste 101, Columbia, MO 65201Directions
- Tigers Community Credit Union4401 Smith Dr, Columbia, MO 65203Directions
- Tigers Community Credit Union308 S 9th St Ste 114, Columbia, MO 65201Directions
Illinois
1 branch
- Shiloh848 N Green Mount Rd, Shiloh, IL 62221Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.21% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.40% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.98% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $88 | $76 | — |
- CapitalNet worth ratio8.21%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.40%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.98%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$88Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of West Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.