St. Louis Community Credit Union

314-534-7610
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What's New

NEW Enhancements to Overdraft Privilege Service

St. Louis Community is making enhancements to our Overdraft Privilege (ODP) service, taking effect Tuesday, January 17.

  • All qualified new and existing checking accounts will be granted a minimum ODP limit of $50.1 After 30 days of membership, or 60 days for Freedom Checking Accounts, you may qualify for a higher limit.2
  • If you already enjoy our ODP service with an ODP limit higher than $50, you will continue to do so.
  • Please note that restrictions apply to any account that remains negative for more than 30 days.3
  • Additionally, when the net available balance of your account is less than $3.00 negative, we will waive the overdraft fee for the transaction that caused the negative balance!
Overdraft Privilege is not a line of credit, but rather protection against occasional, inadvertent overdrafts. Click here to read about how to manage your account against the risk of an overdraft.

Click here for a copy of our updated account agreement.

Thank you for your membership.

1If you would like to opt out of this service, please contact us at 314-534-7610 for further details or visit any branch.
2 Based on the type of checking account you have, you may qualify for an ODP limit of $200, $400, $700 or $1,000. Other qualifications apply. See Credit Union for complete details.
3If your account remains negative for more than 30 days, your account's ODP limit will return back to $50.

 

 


Enjoy our gift of giveback!

St. Louis Community Credit Union is committed to giving back. When you do business with us, you are part of our impact to the communities we humbly serve. Throughout the 2016 calendar year, our giveback was everywhere:

  • New Branch Openings
  • Free Mobile & Electronic Services
  • Affordable Loans
  • Free Financial Education & Debt Counseling
  • Over 400 Employee Volunteer Hours to Our Community

What we do matters. We all share in these successes and we thank you for being part of our Credit Union family.

Thank you for your savings, checking and investment accounts with St. Louis Community. In December, an extra dividend will be credited to your regular savings account.* The amount will be 30 days of additional interest based on your total qualified** balances as of September 30, 2016 at 1.5% APY.***

Thank you for your loan with us. In December, a loan interest reimbursement will be credited to your regular savings account.* We will return 1.5% of the total interest you paid on qualified** St. Louis Community loan balances between January 1, 2016 and September 30, 2016.

Your membership is our greatest reward. Enjoy our gift of giveback as we celebrate the holidays together.

* Extra dividends and loan interest reimbursements will both be reflected in your 2016 tax reporting.
** Must have an open SLCCU account in good standing as of September 30, 2016. Credit Card balances are excluded.
*** APY = Annual Percentage Yield

 

 


Give us your car loan, and we'll gift you with $100 cash!

Switch your auto loan to St. Louis Community before the year ends, and you'll get $100 in holiday cash!

  • Get approved fast*
  • Reduce your rate, your payment or both*
  • Help us give back to the community

Get started today! Apply at SeeUsForALoan.com, call 314-534-7610 or stop by your favorite branch.

*Must refinance a loan of $12,000 or more from another lender to qualify for $100 deposit into savings account. Offer good through 12/31/16 and subject to change without notice. Please see Credit Union for details. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


Get your FICO® score at St. Louis Community!

Want to know the status of your credit and how it can be improved? St. Louis Community provides our members access to their credit report and FICO score* at no cost!

With a Credit Check-Up**, our member service representatives will provide:

  • A free and confidential review of your credit report
  • Your FICO score
  • Valuable tips on how to improve your score
  • Potential money saving opportunities

Credit scores play a major factor in the quality of everyday life. It can influence the interest rate you pay on loans or credit cards, your ability to rent or purchase a place to live, the cost of auto insurance and even an employer’s choice to hire you (in some cases).

Know where you stand! Visit any of our full-service branches to see about getting your free FICO score.

*Available during new account opening, loan applications and scheduled credit reviews. Membership rules apply.

** A Credit Check-Up generates a hard hit inquiry on your credit bureau, which may impact your credit score.

 


We're a Top Employer. What we do matters.

We are pleased to announce that St. Louis Community Credit Union has been named as one of the 2016 Top Workplaces by Workplace Dynamics and the St. Louis Post-Dispatch.

This honor is a testament to our natural passion to serve. Our employees come from the communities we humbly serve. The connection by our staff to our members and our giveback are real.

Our passion to serve drives our employees. We’re passionate about connecting underserved populations with true financial solutions. We’re passionate about rebuilding neighborhoods. That passion drives our staff to come to work every day. It drives us to build community partnerships toward a stronger city. It drives us to be more than a credit union.

We are committed to recruiting and retaining people of all backgrounds to help further our cause. Our social mission fuels our success. It’s an important part of our overall giveback.

St. Louis Community Credit Union is a Top Workplace. What we do matters. Whether it is through our caring staff at easily accessible branches throughout the region, meaningful products and services or financial education, we ARE making a difference.

Thank you for allowing us to serve you.



SLCCU Is Preserving the Legacy of Gateway Bank!

At St. Louis Community Credit Union, we go into the communities that need us most. As a result, our giveback continues to grow!

We are pleased to announce that our newest location in north St. Louis city, the St. Louis Community Credit Union Gateway Branch, is now open! Visit us at:

3412 North Union Boulevard
(Just south of Natural Bridge Road)

Established in 1965, Gateway Bank was the first and only minority-owned commercial bank in Missouri. It took local deposits and made loans in a neighborhood where few other banks focused. In 2009, Gateway Bank was acquired by Central Bank of Kansas City, which operated on the site until 2012. Thanks to additional funding from a Community Development Block Grant, as well as support from the City of St. Louis, Stifel Bank & Trust, the St. Louis City NAACP, TIAA Direct and others, we have built this new state-of-the-art facility while still preserving Gateway Bank's great heritage. Several of Gateway's traditions still live on today.

The Gateway location features our new branch environment. As part of our community giveback, we will offer:

  • Affordable loans and account services
  • Advanced technology with Interactive Teller Solution (ITS) access – a fast and easy way for members to do their banking, currently present at our Midtown, Ferguson, St. John and Pagedale branches
  • Expanded full-service drive-up lanes for ultimate on-the-go convenience
  • Caring staff that comes from the communities we serve
  • Free financial counseling

These are just some of the many ways that we are preserving the outstanding legacy of Gateway Bank. To learn more about Gateway Bank's rich history, visit www.gatewayslccu.com.

This activity is financed in part through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis' Community Development Administration.

Certain project costs have been underwritten by the Missouri Department of Economic Development, Neighborhood Assistance Program. These educational activities are financed (in part) through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis’ Community Development Administration.


We're Open for Business in Pagedale!

Our service to the community continues to grow! St. Louis Community’s newest branch is now open in Pagedale! Visit us at:

6724 Page Ave.
(Just east of Ferguson Avenue,
between Hanley and Skinker.
Walk-in service only)

This new facility is located in the bustling Pagedale business district. We are pleased to announce our new branch design environment. As part of our giveback to the community, the new Pagedale location features:

  • A Credit Union branch with Interactive Teller Solution (ITS) access – a fast and easy way for members to do their banking, currently present at our Midtown, Ferguson and St. John branches;

Our partners at Prosperity Connection® also have a major presence at the Pagedale location:

  • Excel Center® – a meeting space for free financial and life skills education classes, as well as one-on-one financial coaching and other development services through various social service agencies
  • RedDough® Money Center – a brand-new concept, RedDough is a non-profit, affordable alternative to payday lending and check cashing, which also features the RedDough prepaid debit card by netSpend®, as well as money transfers, money orders and bill payments through MoneyGram®

Our members and the community will have convenient, wraparound access to quality financial education, tools and services to help improve your standard of living.

Experience state-of-the-art technology and expanded service that works for you at the Pagedale location.

Certain project costs have been underwritten by the Missouri Department of Economic Development, Neighborhood Assistance Program. These educational activities are financed (in part) through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis’ Community Development Administration.


We're Open for Business in St. John!

Our service to the community continues to grow! St. Louis Community’s newest branch is now open in St. John! Visit us at:

2808 Endicott Ave.
St. John, MO 63114
(off of I-170 and St. Charles Rock Road)

Our branch is conveniently located at one of the Mid-County area’s busiest interchanges. We are pleased to announce our new branch design environment. As part of our giveback to the community, the new St. John branch features:

  • Three full-service drive-up lanes and two ATMs for ultimate on-the-go convenience;
  • Our Interactive Teller Solution (ITS) machines – a fast and easy way for members to do their banking, currently present at our Midtown, Ferguson and Pagedale locations;
  • Continued quality service from St. Louis Community Credit Union staff!

In addition, the St. John location is home to Prosperity Connection®'s Excel Center®, home of one-on-one financial coaching and group classes on a variety of financial and life skills topics. Our members and the community have convenient, wraparound access to quality financial education and the financial tools you need to take action.

Experience state-of-the art technology, expanded member service areas and full-service drive up lanes for on-the-go banking convenience at our St. John location.

Certain project costs have been underwritten by the Missouri Department of Economic Development, Neighborhood Assistance Program. These educational activities are financed (in part) through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis’ Community Development Administration.


Sure Rides: Partnering to Drive Your Future

As part of our overall giveback to the community, St. Louis Community is proud to offer the Sure Rides® Auto Loan program. Introduced in spring 2014, Sure Rides was designed to help qualified, low-income, credit-challenged clients of workforce development agencies get to work by giving them access to affordable car loans.

We make it our business every day to provide affordable car loans to qualified hardworking people who might not otherwise have access to reliable transportation. What sets Sure Rides apart is our commitment to extending our hand into the community to people directly engaged in career development through workforce development agencies and other partners.

Oftentimes, people may have the capacity and skill to work, but they cannot get to a job regularly because they don’t own a car. Additionally, long-term unemployment and diminished personal credit can prevent many people from obtaining car loans. This creates a losing situation for both employees and employers, thus dragging down our regional economy. That’s why we work with our workforce development partner groups to help bridge this gap.

If you obtained your job through one of the following partners and qualify for St. Louis Community membership, you’re eligible to apply for a Sure Rides Auto Loan.

  • SLATE
  • Family and Workforce Centers for America (FWCA)
  • Employment Connection
  • Urban League Employment Services
  • Job Corps (program graduates only)
  • Beyond Housing child/adult care facility partners:
    • Alexus Palace Child Development Center
    • ABC Infant Child Care Center
    • Babbs Child Care, LLC
    • Bethesda Temple Child Development Center
    • Brighter Daycare & Preschool Inc.
    • City Sprout Day Care
    • Destiny House Child Care
    • Dean’s List
    • Educare Early Childhood Center
    • Every Child Hope Child Care Center
    • Guiding Light Child Care
    • Kia’s Center of Learning, LLC
    • Korner Stone Kids Preschool
    • Parent University

In addition, we may be able to help you with other loan opportunities.

Interested in and eligible for a Sure Rides Auto Loan? Visit one of our social service agency branches (Downtown/Kingdom House, Water Tower/Grace Hill or Wellston/MET Center) for further assistance, or call the Sure Rides hotline at 314-256-3999.

Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.


St. Louis Community Recognized for America Saves Involvement

St. Louis Community Credit Union recently received the America Saves Designation of Savings Excellence from the Consumer Federation of America.

SLCCU participated in St. Louis Saves, a community-focused outreach program with the St. Louis City Treasurer’s office, during the last week of February 2015. During that timeframe, we opened 230 new accounts through events with our community partners, setting up automatic deposits into savings accounts to help our new members achieve their financial goals. We also reached 86 people at free educational workshops and provided free, personalized financial coaching to six people.

As part of our involvement in St. Louis Saves, we tracked our financial education and community involvement as well. The Consumer Federation of America honored us for our outstanding efforts to improve St. Louisans’ financial lives through this outreach. We’re glad to be involved and to have our work recognized!

 


2.99% APR for two years! 5.00% APR variable thereafter*

Make it your dream home! Open a Home Equity Line of Credit (HELOC) today and lock in the low introductory rate of 2.99% APR for two years!*

Use the money in your home for whatever you imagine! Our flexible HELOC is ideal for home improvement projects, long-term expenses, and gives you convenient access to funds whenever YOU need it! That includes using your HELOC for future needs, with a draw period up to 10 years. Our loans never come with pre-payment penalties, plus the interest you pay on your loan may even be tax deductible (consult your tax adviser for details). Apply now!

*Limited time offer. Subject to credit approval. Introductory Annual Percentage Rate*(APR) available on new lines of credit only and is based upon underwriting crite­ria. After 24-month introductory period, APR may vary monthly for the remaining life of the loan between Prime Rate and Prime Rate plus a margin up to 3.50% based upon underwrit­ing criteria and LTV at time of application, although it will not be lower than 5.00% APR and will not exceed 6% above the initial non-introductory rate. As of 1/5/16, the Prime Rate is 3.50% as published in the Money Rates Section of The Wall Street Journal. Finance charges begin the date a transaction is posted to your account. Properties securing home equity lines of credit must be located in St. Louis City, St. Louis County and select counties in Illinois. Property insurance will be required and flood insurance where necessary. Consult a tax advisor regarding tax deductibility. Refinancing avail­able from other institutions only. St. Louis Community Credit Union’s NMLS ID #616755

 

 


Become Part of Something Bigger at St. Louis Community Credit Union!

We exist to serve the community. It’s at the heart of what we do. As a jobs creator, we give back to the community by sustaining an excellent culture that is good for our staff and our members. We are growing and seeking talented, hardworking people with a passion to serve.

If you are looking for a career that actually means something, you’ve come to the right place. Find your purpose and your passion with St. Louis Community Credit Union. Click here to learn more.

St. Louis Community Credit Union is an Equal Opportunity Employer.

 


Respect All People, All of the Time

When it comes to people, St. Louis Community Credit Union lives and breathes respect and dignity. It’s part of who we are. That means we abide by the Golden Rule: Treat others as you like to be treated.

As a principle of our culture, we provide and expect mutual respect for all – members and staff alike. Whether you visit a branch or speak with us over the phone, we are here to serve you openly, honestly and respectfully. After all, this Credit Union belongs to each of us. Please join us in offering respect to everyone.

Respect all people, all of the time. That’s how we do business… and that’s what we all deserve.



Put More Money in Your Pocket: Avoid Overdraft Privilege (ODP) Fee and Non-Sufficient Funds (NSF) Fee

Things happen… especially when it comes to managing your financial accounts. However, if you aren’t careful, periodic Overdraft Privilege (ODP) fees and Non-Sufficient Funds (NSF) fees can become costly over time. The good news is – they don't have to be.

Here are some helpful tips for avoiding them:

Build an emergency fund by paying yourself first. It doesn’t take a lot of money to get started. By putting aside an extra $10 or $20 here and there in your Credit Union savings account, you can build a cushion for those unexpected expenses that may come your way.

Monitor your spending. It’s always a good practice to track what you have to work with – what you owe vs. what you earn. Consider monitoring your spending by signing up for Online and/or Mobile Banking. It’s a free, fast and safe way to manage your money.

Use direct deposit. By taking advantage of direct deposit, you can help ensure that funds hit your account in a timely manner. This service is free and can prevent you from scrambling to make it into your local Credit Union branch before an urgent bill does.

Set a budget that works for you. Make a list of your monthly obligations and find out where your money is actually going. This way, you can identify those spending leaks and find ways to avoid them. You don’t have to do this alone. We offer free classes on budgeting and financial management at the Excel Center® (our destination point for financial empowerment). It’s part of our overall giveback to the community. Click here for details.

Take advantage of overdraft protection services. St. Louis Community offers several options for managing Overdraft Privilege (ODP) and Non-Sufficient Funds (NSF). Click here for details.

Seek financial assistance. If you are having trouble making ends meet, consider seeking financial help through our BalanceSM Financial Fitness Program or your local social service agency. SLCCU works with a variety of partners that may be able to meet your needs.

Get help today!
Put your money to work for you instead of the other way around. For more information or to set up a one-on-one financial coaching session, contact the Excel Center® at (314) 385-1586 or via email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .


Federally insured by NCUA. Certain project costs have been underwritten by the Missouri Department of Economic Development, Neighborhood Assistance Program. These educational activities are financed (in part) through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis’ Community Development Administration.