West Community Credit Union

West Community Credit Union We're a member-owned, not-for-profit credit union. Federally insured by NCUA. ESI coverage of $750K. Equal Housing Lender. Follow the Law. Manners. Be Relevant.

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Feeling overwhelmed by budgeting? The 50/30/20 Rule is one of the easiest ways to organize your money:🏠 50% on necessiti...
09/03/2026

Feeling overwhelmed by budgeting? The 50/30/20 Rule is one of the easiest ways to organize your money:

🏠 50% on necessities, including debt minimum payments.
☕ 30% for things you enjoy like entertainment & hobbies.
📈 20% for savings and additional debt payments beyond minimums.

We like the simplicity of this plan. Over the long term, someone who follows these guidelines will have manageable debt, room to indulge occasionally, and savings to pay irregular or unexpected expenses while retiring comfortably.

Just remember, budgeting is about making your money work for the things that matter most to you and your family.

👉 Swipe through to see how it works and tell us: Which category is the hardest to stick to?

We recently had the opportunity to present "Budgeting Basics" to the incoming AmeriCorps St. Louis Emergency Response Te...
09/02/2026

We recently had the opportunity to present "Budgeting Basics" to the incoming AmeriCorps St. Louis Emergency Response Team (ERT) members.

During the session, we covered budgeting fundamentals, spending awareness, goal setting, and savings strategies to help participants build a strong financial foundation for their service term and beyond.

ERT members dedicate 11 months of national service to disaster response, environmental stewardship, and community impact. Their commitment to serving others and strengthening communities is inspiring, and we're grateful for the chance to support them with tools that can help them achieve long-term financial success.

Thank you, AmeriCorps St. Louis, for allowing us to be part of your team's journey. We're excited to see the difference they'll make in our communities over the coming year 💙🌎

Our Estate Planning packages are already competitively priced, but your chance to save an additional 25% ends September ...
09/02/2026

Our Estate Planning packages are already competitively priced, but your chance to save an additional 25% ends September 8! Lock in these savings now and take your time finalizing your plan. Learn more ➡ westcommunitycu.org/resources/estate-planning.htm

📈 Building strong credit doesn't have to be complicated. A few smart habits can make a big difference over time:✅ Your p...
09/02/2026

📈 Building strong credit doesn't have to be complicated. A few smart habits can make a big difference over time:

✅ Your payment history is the single biggest factor in your credit score. Even one missed payment can have an impact, so consider setting up autopay or payment reminders to stay on track.

✅ Just because you have available credit doesn't mean you should use all of it. Try to keep your balances below 30% of your credit limit, and under 10% if possible. Making multiple payments throughout the month can help lower the balance reported to credit bureaus.

✅ Every credit application can result in a hard inquiry, which may lower your score. Before applying for new credit, make sure it's something you truly need.

✅ A higher credit limit can improve your credit utilization ratio without requiring you to take on additional debt. Just be sure the extra available credit doesn't lead to extra spending.

Need help keeping track? Monitor your credit score, credit report, and credit activity alerts 24/7 for free in Digital Banking and stay one step ahead of your financial goals.

A strong member experience starts with trust, security, and sound decision-making behind the scenes.That's why we're gla...
09/01/2026

A strong member experience starts with trust, security, and sound decision-making behind the scenes.

That's why we're glad to have Jay Lewis appointed as Chief Risk Officer at the credit union. With more than three decades of financial services experience, Jay will help lead our enterprise risk management efforts and support the continued safety and soundness of the organization.

We look forward to the experience and leadership he brings to this important role.

Are you ready for warm drinks, cozy blankets, and a space that's truly yours? Whether you're buying your first home or y...
09/01/2026

Are you ready for warm drinks, cozy blankets, and a space that's truly yours? Whether you're buying your first home or your next one, our mortgage team is ready to help you make it happen. 🏡 Plus, enjoy $900 off closing costs for a limited time.

Get started today with a free mortgage consultation ➡ westcommunitycu.org/_AppSecure/view.php?id=16576

Whether you're headed for vacation, work trip, college, or visiting friends and family, you have access to your accounts...
09/01/2026

Whether you're headed for vacation, work trip, college, or visiting friends and family, you have access to your accounts at the credit union.

With more than 🏦 5,500+ Shared Branches​​​​​​​​ and over 2,000 self-service locations in all 50 states, Puerto Rico, Guam and military bases around the globe, you can make deposits, withdrawals, loan payments, and more while you're on the go.

Find a CO-OP Shared Branch near you 🔗 westcommunitycu.org/resources/shared-branch.htm

📱 Real-time account alerts can help you protect your money, monitor account activity, spot fraud faster, and avoid unwan...
08/31/2026

📱 Real-time account alerts can help you protect your money, monitor account activity, spot fraud faster, and avoid unwanted surprises. But if you could only keep one, which would it be?

💰 Low Balance
💳 Transaction Alert
📱 Login Alert
🔄 Transfer Alert

Good thing all of these are included in our Checking Accounts! Because the more visibility you have into your money, the easier it is to stay in control of it 🔗 westcommunitycu.org/accounts/checking.htm

08/28/2026

Let’s make this your new personal motto:

📞 “I don’t give money or information over the phone.”

Scammers are masters of social engineering. They create urgency, impersonate trusted organizations, and try to convince you that acting fast is the only option.

“Your account has been compromised.” “There’s suspicious activity on your card.” “We need to verify your information.”

🚩 Stop.

That may not be your credit union or bank and it’s definitely not your sheriff’s office (we’d hope, lol).

The safest response is simple: ✅ Hang up ✅ Look up the official number yourself ✅ Call back directly

A big shoutout to Lori Fullbright for consistently sharing valuable consumer protection and scam awareness content. Follow, share and like her stuff to stay in the know!

And remember, stay vigilant!

Address

4161 Highway K
O'Fallon, MO
63368

Telephone

+16367202400

Website

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