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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 2024 our members saved $9,431,152 in direct financial benefits, simply by choosing us! Even better, they estimate that households who used West Community as their primary financial institution throughout the year saved $2,065** in banking services because they chose us for their checking accounts, car loans, credit cards, mortgages, savings accounts, and more.
With prices on the rise 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 Credit Union excels in providing member benefits in many loan and savings products. In particular, West Community Credit Union offers lower loan rates on the following accounts; new car loans, used car loans, personal unsecured loans, first mortgage-fixed rate, first mortgage-adjustable rate, home equity loans, and credit card loans.
West Community Credit Union also pays its members higher dividends on money market accounts, certificate accounts, and IRAs."
—America's Credit Unions
2024 Loan Rate Comparison
| West Community APR* |
Missouri Bank Average APR* |
our member's APR* savings |
|---|---|---|
| New Cars | ||
| as low as 5.74% | 7.59% | 1.85% |
| Used Cars | ||
| as low as 5.49% | 7.89% | 2.40% |
| 30 Year Fixed (1st Mortgage, 0 Points) | ||
| 6.13% | 6.78% | 0.66% |
| Home Equity (2nd Mortgage, 80% LTV, 0 Points) | ||
| 7.99% | 8.43% | 0.44% |
| Credit Card | ||
| 9.90% | 16.72% | 6.82% |
*APR=Annual Percentage Rate. Rates and fees as of 3/28/2025. Credit union rates provided by individual credit union, bank rates provided by Datatrac.
2024 Savings Rate Comparison
| West Community APY* |
Missouri Bank Average APY* |
our Member's APY* Advantage |
|---|---|---|
| Money Market Accounts | ||
| 0.50% | 0.37% | 0.13% |
| 1 Year Certificate of Deposit | ||
| 3.93% | 1.34% | 2.59% |
| IRA Retirement Account | ||
| 2.22% | 0.85% | 1.36% |
*APY=Annual Percentage Yield. Rates and fees as of 3/28/2025. Credit union rates provided by individual credit union, bank rates provided by Datatrac.
**As estimated by America’s Credit Unions “West Community Credit Union Member Benefits Report”, year-end 2024. Assumes 2.1 credit union members per household. A “loyal member [primary financial institution]” 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.