At a glance
From its website, read 2 Nov 2026Alltru Federal Credit Union is a credit union based in Wentzville, Missouri. Its website describes auto loans, credit-builder loans, home repair loans and 2 other loan types. Stated loan amounts run from $300 to $200,000. Where it lends: Greater St. Louis area, Missouri. The consumer loan APR it states is 12%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (636) 916-8300 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.alltrucu.org |
| Office (official list) | 1232 Wentzville Parkway, Wentzville, MO 63385 |
What their website says about applying
To start the loan process, first submit an online loan application. You can also apply by calling 636-916-8300.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Credit-builder loans | Rate: 12% APR | 12% APR* | source |
| Auto / vehicle loans | Term: see their wording | Low rates and flexible terms up to 84 months. | source |
| Credit-builder loans | Term: up to 2 yr | Loan term up to 24 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
we empower first-time borrowers with no credit score or great credit scores to finance their own loan without a cosigner
source - Collateral flexible or not always required
No collateral, quick and easy.
source - Collateral required
The money you borrow will be held as collateral as you make your monthly payments
source - Membership required
you’ll have to be an Alltru member first
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 5 Apr 2016 |
| RSSD ID | 447294 |
| Address | 1232 Wentzville Parkway, Wentzville, MO 63385 Directions (Google Maps) |
| Website | www.alltrucu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Mortgage and business loan detail pages were not among the pages fetched; home improvement and mortgage amounts are not stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Low rates and flexible terms up to 84 months. | source |
| Credit-builder loans | $300 – $2,000 | Loan amounts from $300-$2,000 | source |
| Home repair / improvement loans | — | Learn more about Home Improvement Loans | source |
| Home mortgages | — | Get a quote for the most current rates | source |
| Small-business loans | — | Need a loan for your business? We’ve got you covered there, too. | source |
Loan sizes
Loan amounts from $300-$2,000
sourceBorrow up to $20,000
sourceFrom $10,000 to $200,000.
source$2,500 to $10,000
source
Range used for the size filter: $300 to $200,000
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. To start the loan process, first submit an online loan application.
source
Pages read (7)
- https://alltrucu.org/
- https://alltrucu.org/loans-credit-cards/personal-loans/
- https://alltrucu.org/loans-credit-cards/personal-loans/auto-loans/
- https://alltrucu.org/loans-credit-cards/personal-loans/personal-loan/
- https://alltrucu.org/loans-credit-cards/personal-loans/line-of-credit/
- https://alltrucu.org/loans-credit-cards/personal-loans/home-equity-loans/
- https://alltrucu.org/loans-credit-cards/personal-loans/credit-builder-loan/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$565,000 in 1 award from the U.S. Treasury's CDFI Fund, 2019 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2019 | CDFI Program, Financial Assistance | $565,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as ALLTRU (charter 24774). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $400.6 million (as of 30 Jun 2026) |
|---|---|
| Members | 40,566 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Missouri (5 offices)
- Saint Charles County (2): 1232 Wentzville Pkwy, Wentzville 63385 (main office); 1721 Zumbehl Rd, Saint Charles 63303
- St. Louis City (1): 1407 Washington Ave, Saint Louis 63103
- St. Louis County (2): 3240 N Highway 67, Florissant 63033; 5916 N Lindbergh Blvd, Hazelwood 63042
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Alltru Federal Credit Union (NCUA charter 24774, filed as “ALLTRU”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $324.7 million, 21,358 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 6.0% from $306.4 million on 30 Jun 2025 |
| Members | 40,566 (as of 30 Jun 2026); 40,198 (as of 30 Jun 2025) |
| Loans per member | $8,005 (total loans divided by members, 30 Jun 2026) |
| Total assets | $400.6 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $55 million | 16.9% |
| Used vehicle loans | $187.7 million | 57.8% |
| First-lien home mortgages (1-4 family) | $28.2 million | 8.7% |
| Other real estate loans (junior liens, other) | $28.8 million | 8.9% |
| Commercial (business) loans | $409,344 | 0.1% |
| Credit cards | $5.3 million | 1.6% |
| Other unsecured loans | $9 million | 2.8% |
| Leases and other secured loans | $10.4 million | 3.2% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Alltru Federal Credit Union reported 75 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $11M (median loan about $105,000). 20 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 20 | 27% |
| Refinance (incl. 7 cash-out) | 16 | 21% |
| Home improvement | 12 | 16% |
| Other purpose | 27 | 36% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 75 | 100% |
Included above: 6 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 15 counties with at least one; 95% of its 2025 loans were for properties in Missouri:
- Saint Charles County, MO (25)
- St. Louis County, MO (24)
- Lincoln County, MO (7)
- Warren County, MO (7)
Filed under LEI 5493003TK1BAOHHL6S92 as “ALLTRU FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $200,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 67% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $400.6 million | Larger than 68% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 81% | Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $306.4 million → $324.7 million (+6%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 85 → 83. |
| Home loans originated in 2025 (HMDA) | 75 | More than 35% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 67% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 68% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 85 → 83 of 283 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 35% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Wentzville and Missouri
- AltCapLoan fund · North Kansas City, MOMicroloans, Small-business loansVerified
- Central Bancshares Of Kansas City, Inc.Bank holding company · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Central Bank of Kansas CityBank or thrift · Kansas City, MOCommercial real estate loans, Equipment loans, Affordable housing development loans, Small-business loansVerified
- Century Bank of the OzarksBank or thrift · Gainesville, MOAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- First Missouri Bank of SEMOBank or thrift · Kennett, MOAgriculture / farm loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- First State Bank & Trust Company, Inc.Bank or thrift · Caruthersville, MOAgriculture / farm loans, Auto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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