At a glance
From its website, read 2 Nov 2026St. Louis Community Credit Union is a credit union based in St. Louis, Missouri. Its website describes auto loans, small-dollar emergency loans, home mortgages and 1 other loan type. The consumer loan APR it states is 10.99%. 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 | (314) 534-7610 source |
|---|---|
| Lending | (314) 256-3900 source |
| Apply online | Page with the application link |
| Website | stlouiscommunity.com |
| Office (official list) | 3651 Forest Park, St. Louis, MO 63108 |
What their website says about applying
Apply online for an auto loan today, or call 314-534-7610.
sourceClick one of the buttons below to complete an application or call
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 |
|---|---|---|---|
| Personal / consumer loans | Rate: from 10.99% APR | 10.99% APR | source |
| Loans (general) | Term: see their wording | Repayable up to 10 years | source |
| Auto / vehicle loans | Term: see their wording | 73-84 months | source |
| Home mortgages | Term: see their wording | fixed-rate terms ranging from 10 to 30 years | source |
| Personal / consumer loans | Term: up to 5 yr | Maximum $15,000 - Up to 60 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
- First-time homebuyer program
For first-time homebuyers, assistance programs are available for down payments and closing costs
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) | 16 Oct 2026 |
| RSSD ID | 98995 |
| Address | 3651 Forest Park, St. Louis, MO 63108 Directions (Google Maps) |
| Website | stlouiscommunity.com |
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. Business loan products are currently not being accepted per the business loans page, so they are excluded; the service area reflects property locations for home loans. 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 | — | If you’re in the market for a new or used automobile, choose us. | source |
| Small-dollar / emergency loans | — | Break the cycle of high-cost emergency borrowing. Our Freedom Line of Credit is an affordable alternative with your financial well-being at heart. | source |
| Home mortgages | — | We have a fully diversified First Mortgage Loan portfolio with fixed-rate terms ranging from 10 to 30 years | source |
| Personal / consumer loans | up to $15,000 | Maximum $15,000 - Up to 60 months | source |
Loan sizes
Maximum $15,000 - Up to 60 months
source
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
For first-time homebuyers, assistance programs are available for down payments and closing costs
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Unlock your potential to save! Apply online for an auto loan today, or call 314-534-7610.
source
Pages read (7)
- https://www.stlouiscommunity.com/
- https://www.stlouiscommunity.com/about-us/raise-your-credit-score-drop-your-auto-loan-rate
- https://www.stlouiscommunity.com/loans/home-loan-products
- https://www.stlouiscommunity.com/loans/fixed-rate-home-equity-loan
- https://www.stlouiscommunity.com/loans/business-loans
- https://www.stlouiscommunity.com/loans/auto-loans
- https://www.stlouiscommunity.com/loans/loan-rates
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.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and small-dollar emergency loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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$8.6 million in 7 awards from the U.S. Treasury's CDFI Fund, 2010–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
| 2022 | CDFI Program, Financial Assistance | $717,900 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $887,500 |
| 2017 | CDFI Program, Financial Assistance | $1,096,905 |
| 2013 | CDFI Program, Financial Assistance | $847,000 |
| 2010 | CDFI Program, Financial Assistance | $750,000 |
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 ST. LOUIS COMMUNITY (charter 60400). 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 | $445 million (as of 30 Jun 2026) |
|---|---|
| Members | 50,678 (as of 30 Jun 2026) |
| Offices | 14 (as of 30 Jun 2026) |
Offices by state and county (14)
Missouri (14 offices)
- Franklin County (1): 170 S Service Rd E, Sullivan 63080
- St. Louis City (7): 3651 Forest Park Ave, Saint Louis 63108 (main office); 1321 S 11th St, Saint Louis 63104; 2828 Gravois Ave, Saint Louis 63118; 3412 Union Blvd, Saint Louis 63115; 4435 Chippewa St, Saint Louis 63116; 5503 Delmar Blvd, Saint Louis 63112; 7224 Gravois Ave, Saint Louis 63116
- St. Louis County (6): 1250 Graham Rd, Florissant 63031; 7345 W Florissant Ave, Jennings 63136; 10024 W Florissant Ave, Saint Louis 63136; 1436 S Big Bend Blvd, Saint Louis 63117; 2808 Endicott Ave, Saint Louis 63114; 7350 Olive Blvd, University City 63130
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 St. Louis Community Credit Union (NCUA charter 60400, filed as “ST. LOUIS COMMUNITY”). 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 | $207 million, 18,607 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 0.6% from $205.8 million on 30 Jun 2025 |
| Members | 50,678 (as of 30 Jun 2026); 52,010 (as of 30 Jun 2025) |
| Loans per member | $4,084 (total loans divided by members, 30 Jun 2026) |
| Total assets | $445 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $32.4 million | 15.6% |
| Used vehicle loans | $42.1 million | 20.3% |
| First-lien home mortgages (1-4 family) | $30 million | 14.5% |
| Other real estate loans (junior liens, other) | $6.9 million | 3.3% |
| Commercial (business) loans | $82.6 million | 39.9% |
| Other unsecured loans | $9.6 million | 4.6% |
| Leases and other secured loans | $3.6 million | 1.7% |
None reported on the 30 Jun 2026 report: credit cards.
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.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $445 million | Larger than 70% of the 284 other certified credit unions nationwide (median $181.2 million). |
| Loans as a share of assets | 47% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $205.8 million → $207 million (+1%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 104 → 105. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 70% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 104 → 105 of 283 |
“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).
Other certified CDFIs in St. Louis and Missouri
- Great Rivers Community Capital, IncorporatedLoan fund · St. Louis, MOAuto / vehicle loans, Credit-builder loans, Microloans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Justine Petersen Housing and Reinvestment CorporationLoan fund · St. Louis, MOCredit-builder loans, Microloans, Personal / consumer loansVerified
- Alltru Federal Credit UnionCredit union · Wentzville, MOAuto / vehicle loans, Credit-builder loans, Home repair / improvement loans, Home mortgages…Verified
- 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
Work at St. Louis Community Credit Union? Link to this page
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