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iAdvertiser Disclosure
Advertiser Disclosure
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 West Community Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
West Community Credit Union's savings rates are at 0.05%. West Community Credit Union's money market rates are at 0.15%. West Community Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of West Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.50%. Rates were last updated on 03/22/2026. West Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at West Community Credit Union? Share your experience about West Community Credit Union by leaving a review below, or read customer reviews before you decide to use West Community Credit Union. West Community Credit Union
OFallon 4161 Highway K
https://www.westcommunitycu.org O Fallon, MO 63368 8294 
West Community Credit Union Savings Rates
West Community Credit Union Money Market Rates
West Community Credit Union Checking Rates
West Community Credit Union Mortgage Rates
West Community Credit Union Home Equity & HELOC
West Community Credit Union Auto Loan Rates
West Community Credit Union Credit Card Rates
West Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for West Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather West Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with West Community Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
West Community Credit Union
Website
https://www.westcommunitycu.org
Address
4161 Highway K,
O Fallon, MO 63368 8294
Phone
636-720-2400
Fax
636-720-2490
President
Michael Murphy
CEO
Jason Peach
Full-Time Employees
116
Part-Time Employees
1
Branch Locations
10
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.50%
Return on Assets (ROA)
0.3732%
Return on Equity (ROE)
4.4499%
Non-Performing Loans Ratio (NPL)
1.17%
Total Assets
491,109,871
Total Amount of Shares and Deposits
416,651,172
Total Shares and Deposits < 1 Year
412,048,464
Total Shares and Deposits 1 3 Years
3,511,833
Total Shares and Deposits > 3 Years
1,090,875
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
31,416,489
Total Uninsured Shares and Deposits > $250K (F+J)
31,913,489
Total Insured Shares and Deposits > $250K (item 17 less item K)
384,737,683
Total Interest Expense (Sum of items 6 8)
6,580,668
Share Certificates
3,841
Number of Accounts for Share Drafts
18,584
IRA KEOGH Accounts
746
Number of Accounts for Regular Shares
36,398
All other shares
492
Non Member Deposits
49
Money Market Shares
915
Net Income (unless the amount is already included in Undivided Earnings)
1,814,762
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,596,270
Total Liabilities
450,827,024
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About West Community Credit UnionIs West Community Credit Union a safe place to deposit money?Yes, West Community Credit Union is considered a safe financial institution. With a Texas Ratio of 11.496302439732%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does West Community Credit Union operate?West Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join West Community Credit Union?Yes, to access services at West Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, West Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, West Community Credit Union provides members with tools to manage their accounts and build a solid financial history. Does West Community Credit Union offer online and mobile banking?Most modern institutions like West Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.westcommunitycu.org. Current West Community Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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