Frequently Asked Questions

Q. What is your routing number?
A. St. Louis Community Credit Union’s routing number is 281082423.

Q. Do you have notaries?
A. Yes, we do have notaries at certain branches. It is best to contact us at 314-534-7610 to find out the availability of the notary based on the location that is most convenient for you.
You also must be a member of St. Louis Community Credit Union (SLCCU) and have a valid ID. Please note, we cannot notarize documents that have already been signed. A notary must witness the actual signature. Please make sure your document has been completed (with the exception of the signature), prior to being notarized.
We charge $1 per signature. See our fee schedule for updates.

Q. Do you cash savings bonds?
A. St Louis Community does not negotiate (or cash) savings bonds, nor can they be purchased from us.

Q. How do I order checks?
A. If you are ordering checks for the first time, please visit any SLCCU branch. Be sure to bring your ID, and a Member Service Representative will assist you with the order.
If you are reordering your checks, take advantage of the easy online Harland Clarke Check Reorder Express.
Click the Order Checks button, and follow the instructions from there.
NOTE: Changes to address information are not available when reordering checks online. To make changes to your address and reorder new checks, please visit any SLCCU branch.

Q. What do I do if I have a pending transaction on my account that I did not authorize?
A. Unfortunately, SLCCU doesn’t have the authority to cancel the pending transaction since it was initiated by the merchant (the institution where the purchase was made).
The pending transaction can only be authorized to be cancelled or removed from your account by the initiating merchant. After the charge has been debited from the account, you are able to dispute it.

Q. How do I dispute a transaction?
A. If a transaction is not familiar to you, please visit a SLCCU branch to complete a Dispute Form with a Member Service Representative or contact us at 314-534-7610 to do so. Once the Dispute Form has been completed, we will research the transaction. This process could take between 30 and 90 days, depending on the type of transaction. A representative will be able to advise you on the timeframe.

Q. What’s a Credit Union?
A. A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member-owned and controlled through a board of directors elected by the membership. The board serves on a volunteer basis and may hire a management team to run the credit union. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.

Q. Who owns a credit union?
A. Most financial institutions are owned by stockholders, who own a part of the institution and intend on making money from their investment. A credit union doesn’t operate in that manner. Rather, each credit union member owns one “share” of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors.

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Q. How did credit unions start?
A. The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found everywhere in the world. The credit union movement started in this country in Manchester, New Hampshire. There, the St. Mary’s Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.

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Q. What is the purpose of a credit union?
A. The primary purpose in furthering their goal of service is to encourage members to save money. Another purpose is to offer loans to members. In fact, credit unions have traditionally made loans to people of ordinary means. Credit unions can charge lower rates for loans (as well as pay higher dividends on savings) because they are nonprofit cooperatives. Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

Q. Are savings deposits insured?
A. Yes. All savings accounts are federally insured up to $250,000 and all Individual Retirement Accounts are separately insured to $250,000 by the NCUA, the National Credit Union Administration, a U.S. Government agency. That means your savings are backed by the full faith and credit of the United States Government. As well, all deposits are privately insured for an additional $250,000. Click here for more information.

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Q. Who can join a credit union?
A. Membership in St. Louis Community Credit Union is open to anyone who lives or works in St. Louis City and those in

Franklin, St. Louis and St. Charles counties in Missouri; as well as St. Clair, Madison, Monroe and Jersey counties in Illinois.

Membership is also open to relatives of existing St. Louis Community members – including your spouse and children, parents, brothers and sisters, grandparents and grandchildren, aunts and uncles, nieces and nephews, first cousins and legal guardians, as well as step, in-law and legally adoptive relationships.
Once you join, you can enjoy the benefits of Credit Union membership for as long as you maintain an active account … even if you change jobs, switch careers or move your residence.