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CO-OP Shared BranchesThank you for allowing us to help you save.
We are proud to share that America’s Credit Unions estimates that in 2025 our members saved $7,855,294 in direct financial benefits, simply by choosing us! Even better, they estimate that loyal high-use member households who used West Community as their primary financial institution throughout the year saved $1,300** in banking services because they chose us for their checking accounts, car loans, credit cards, mortgages, savings accounts, and more.
With prices high and the market uncertain, we're very happy we are able to bring a bit of good news to our membership. Banking with us can help our members save for retirement or a vacation, or simply have a little extra money to spend on groceries, clothes, and other necessities.
"West Community CU excels in providing member benefits in many loan and savings products. In particular, West Community CU offers lower loan rates on the following accounts: new car loans, used car loans, personal unsecured loans, home equity loans, credit cards loans.
West Community CU also pays its members higher dividends on the following accounts: certificate accounts, IRAs."
—America's Credit Unions
2025 Loan Rate Comparison
| West Community APR* |
Missouri Bank Average APR* |
our member's APR* savings |
|---|---|---|
| New Cars | ||
| 4.99% | 6.20% | 1.21% |
| Used Cars | ||
| 5.24% | 6.54% | 1.30% |
| Unsecured | ||
| 9.99% | 10.12% | 0.13% |
| Home Equity (2nd Mortgage, 80% LTV, 0 Points) | ||
| 5.99% | 6.96% | 0.97% |
| Credit Card | ||
| 9.90% | 17.33% | 7.43% |
*APR=Annual Percentage Rate and is quoted as low as. Rates and fees as of 04/02/2026. Credit union rates provided by individual credit union, bank rates provided by Rate.net.
2025 Savings Rate & Fee Comparison
| West Community APY* |
Missouri Bank Average APY* |
our Member's APY* Advantage |
|---|---|---|
| 1 Year Certificate of Deposit | ||
| 3.50% | 1.71% | 1.79% |
| IRA Retirement Account | ||
| 2.00% | 1.12% | .88% |
| West Community Fees** |
Missouri Bank Fees** |
our Member's Fee Advantage |
|---|---|---|
| Checking NSF Fee | ||
| $19.00 | $28.25 | $9.25 |
| Credit Card Late Fee | ||
| $27.00 | $34.18 | $7.18 |
*APY=Annual Percentage Yield. Rates and fees as of 04/02/2026. Credit union rates provided by individual credit union, bank rates provided by Rate.net.
**Rates and fees as of 4/2/2026. Unless indicated otherwise, rates assume an excellent credit score, 20% down payment, debt-to-income ratio of less than 40%. Rates & fees may vary & are based on factors including, but not limited to, market change, credit history, down payment, property type & other factors associated with your loan application. Private Mortgage Insurance (PMI) may be required on mortgage loans with less than 20% down. A "loyal member" is assumed to have a $30,000, 60-month new auto loan, a classic credit card with an average balance of $5,000, a $200,000, 30-year fixed rate mortgage (a 30-year fixed rate mortgage is replaced with a 5-year adjustable rate mortgage if it yields a greater benefit as it is assumed more in demand) , $5,000 in an interest/dividend checking account, $10,000 in a one-year certificate account, and $2,500 in a money market account.