At West Community Credit Union, we believe in something bigger. Something that brings us all together. It’s the idea that we’re all connected, and that there’s a common good worth working for. We’re in the business of building relationships on trust, being honest with our members and treating everyone fairly. 

MISSION: To be our Members' lifelong financial partner by truly understanding their stories and delivering smart solutions.

Life is full of surprises and when something unexpected pops up, we’re always ready to help a neighbor get back on track. We care about our members and we care about their goals. With smart, thoughtful solutions, we help our members move forward in life. And we work hard every day to take initiative and deliver an exceptional experience for every member, every time.

We believe in people, our members and our community. We are West Community Credit Union and we are banking on you.


Cooperative Banking

Credit Unions are not-for-profit, member-owned financial service cooperatives, founded on the basic principal of, People Helping People.  We offer all the same products and services you’ll find at a bank, but without the stockholders.

It's your money

Why Not Having Stockholders Is Good For Credit Union Members

The more big banks can charge their customers in fees and interest, the fatter their stockholders’ wallets grow, and the leaner customer's wallets get. But credit unions are member-owned cooperatives.  We're not obligated to make a profit for stockholders. Instead, our profits are returned to our members, as higher savings rates, lower interest rates on loans, and fewer fees.

Become an Owner and Let Your Money Work for You!

It’s simple; credit unions have a vested interest in the financial success of every member because our members’ success ensures the success of the credit union.


West Community Credit Union began as Brentwood Mutual Credit Union in 1936. We were founded by 15 businesses and civic leaders with $150 in capital. After 25 years, the Credit Union grew to have over 925 members and $619,000 in assets. By this time, the Credit Union had become an integral part of the Brentwood community.

In 1986, we changed our name to West Community Credit Union. By then we had grown to 7,300 members strong with $14 million in assets and almost $9 million in loans.

Today West Community is a progressive financial organization with over $433 million in assets, 28,000 members and over $375 million in loans. Our headquarters location in O’Fallon, MO was completed in 2004. We embarked on a partnership with Tigers Community Credit Union on the campus of the University of Missouri-Columbia in 2006. In addition, we added a third St. Louis-area branch in Kirkwood in 2009. We opened our second Columbia, MO location in early 2016 and in 2017 we built a new location in Lake St. Louis.  Late in 2017, we also added a location in Florissant and a branch in the Robert A. Young Building  downtown St. Louis. In 2022 we opened our third Tigers Community Credit Union branch in Columbia, MO. Today we operate nine credit union branch locations and West Community Mortgage, which opened in 2017. 

Our sound policies and investment practices have helped keep West Community strong even in times of crisis for other financial institutions. Our service offering and technological capabilities continue to grow, thereby providing members with more convenient ways to access and manage their accounts.

How We're Governed

We are a financial cooperative with a volunteer Board of Directors. The officers and Directors who serve on the Board volunteer their time and expertise to establish policies and strategies that will help our financial cooperative grow.

An election is held annually for open positions in which members over 18 years of age can vote. Any member can volunteer to run for the Board of Directors, the Supervisory Committee, or a board committee.

What We Are

We’re a not-for-profit financial cooperative. All members have an equal share in the organization.

Who Can Join

To apply for membership, first determine if you're eligible, then visit us at any of our branch locations.

Federal Insurance

Accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), with an additional $250,000 in private insurance from Excess Share Insurance (ESI).