You Could Win Up to $750 While You Save to ProsperTM
Saving money certainly has its benefits. And now you could also win up to $750!1 St. Louis Community is excited to introduce our Save to Prosper™ account, where you can build a financial safety net and be eligible for chances to receive MORE CASH!
Turn your deposits into winnings!
Beginning July 1, 2017, you’ll have a chance at winning cash, just by making regular deposits into your Save to Prosper account. You can open one for as little as $5, and you can save as much as you want!
Here’s how it works. For every $25 you’re able to save, you’ll be entered into a monthly drawing.2 We will randomly select five winners each month for a one-time $75 cash prize!
And that’s not all. At the end of the calendar year, one lucky randomly selected winner, will receive a one-time $750 cash prize!3
In order to participate, you must:
- Be a St. Louis Community Credit Union member with a regular share account.
- Be at least 18 years of age or older.
- Have an open and active account at the time of the drawing.
- Be a member in good standing.4
Give yourself the gift of saving money. Get into the habit of saving through our new Save to Prosper account. Your piggy bank will thank you. Check out www.stlouiscommunity.com for details.
1 All winners will be selected from among all eligible participants in the drawing pool. Actual odds of winning are based upon the number of eligible entries received.
2 For every $25 increase in month-over-month balance, the account holder will be awarded one (1) entry, with a maximum of four (4) entries per month.
3 Monthly entries originally awarded will be included in an annual drawing considering the account’s ending savings period balance has not fallen below the number of accumulated $25 incremental deposits. Withdrawals can reduce the eligible annual entries.
4 Includes at a minimum: you are not delinquent on any loans with St. Louis Community and your account is not subject to any legal or administrative order of levy.
No purchase necessary. Void where prohibited by law. See credit union for further details.
St. Louis Community Partners with Operation Food Search on Mobile Food Program
The school year has come to an end. While some children may be enjoying a carefree summer of fun and excitement, others may be wondering where their next meal may come from.
St. Louis Community Credit Union is pleased to announce our partnership with Operation Food Search and its Summer Food Service Program (SFSP). Funded by the USDA, this special initiative ensures that kids receive meals when school is not in session.
From Monday June 5th through Friday, August 11th St. Louis Community Credit Union will host mobile meal vans from Operation Food Search on the following branch sites, Monday through Friday:
- 24:1 Wealth Accumulation Center (Pagedale) — 12:00 p.m.-12:20 p.m
- 6724 Page Ave., Pagedale, MO 63133
- Gateway Branch (Union and Natural Bridge) — 2-2:30 p.m.
- 3412 N. Union Blvd., St. Louis, MO 63115
- South City Wealth Accumulation Center (Benton Park) — 3:30-4 p.m.
- 2828 Gravois Ave., St. Louis, MO 63118
Thanks to this much-needed effort, thousands of children 18 and younger will have access to nutritious food free of charge in our community. Each meal contains: milk, fruits, vegetables, whole grains and protein.
Since 1981, Operation Food Search (OFS) has empowered families with a range of programs and services proven to reduce food insecurity and increase access to healthy and affordable food.
St. Louis Community is more than a credit union. Each day, we do what we can to help our members and our community thrive. What we do matters.
Now open in Benton Park!
St. Louis Community is on the move! Our Benton Park branch is now open at 2828 Gravois Ave. in south St. Louis. This new location combines our convenient Interactive Teller Solution technology with the personal, walk-in member service you expect from us. This branch is part of our South City Wealth Accumulation Center, combining Credit Union services with financial education from Prosperity Connection® and affordable financial solutions from the RedDough Money Center® under one roof. We’re proud to expand our giveback to the community. Visit us today!
See yourself with up to $300 more cash!
Earn up to $300 by refinancing your car loan!
This summer, we’ll give you $100 cash for every $10,000 you finance with us, up to $300. Just refinance* your existing auto loan from another lender!
- Lower your rate, your payment or both*
- Help us help the community
Click here to apply, stop in at any branch, or call us at 314-534-7610.
*Must refinance an existing loan balance of $10,000 from another lender with SLCCU to qualify for every $100 deposit into savings account, up to $300. Offer good 6/1/17 through 7/31/17 and subject to change without notice. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Please see Credit Union for details.
Celebrating 75 Years of Our Story
2017 marks an important milestone for the St. Louis Community Credit Union family: our 75th anniversary. As we reflect on our history and look ahead to our bright future, we’ve launched a website looking back on St. Louis Community’s story and our giveback to the community. Check it out today at www.slccu75.com!
NEW Enhancements to Overdraft Privilege Service
St. Louis Community is making enhancements to our Overdraft Privilege (ODP) service, taking effect Tuesday, January 17.
- All qualified new and existing checking accounts will be granted a minimum ODP limit of $50.1 After 30 days of membership, or 60 days for Freedom Checking Accounts, you may qualify for a higher limit.2
- If you already enjoy our ODP service with an ODP limit higher than $50, you will continue to do so.
- Please note that restrictions apply to any account that remains negative for more than 30 days.3
- Additionally, when the net available balance of your account is less than $3.00 negative, we will waive the overdraft fee for the transaction that caused the negative balance!
Overdraft Privilege is not a line of credit, but rather protection against occasional, inadvertent overdrafts. Click here to read about how to manage your account against the risk of an overdraft.
Click here for a copy of our updated account agreement.
Thank you for your membership.
1If you would like to opt out of this service, please contact us at 314-534-7610 for further details or visit any branch.
2 Based on the type of checking account you have, you may qualify for an ODP limit of $200, $400, $700 or $1,000. Other qualifications apply. See Credit Union for complete details.
3If your account remains negative for more than 30 days, your account’s ODP limit will return back to $50.
Get your FICO® score at St. Louis Community!
Want to know the status of your credit and how it can be improved? St. Louis Community provides our members access to their credit report and FICO score* at no cost!
With a Credit Check-Up**, our member service representatives will provide:
- A free and confidential review of your credit report
- Your FICO score
- Valuable tips on how to improve your score
- Potential money saving opportunities
Credit scores play a major factor in the quality of everyday life. It can influence the interest rate you pay on loans or credit cards, your ability to rent or purchase a place to live, the cost of auto insurance and even an employer’s choice to hire you (in some cases).
Know where you stand! Visit any of our full-service branches to see about getting your free FICO score.
*Available during new account opening, loan applications and scheduled credit reviews. Membership rules apply.
** A Credit Check-Up generates a hard hit inquiry on your credit bureau, which may impact your credit score.
We’re a Top Employer. What we do matters.
We are pleased to announce that St. Louis Community Credit Union has been named as one of the 2016 Top Workplaces by Workplace Dynamics and the St. Louis Post-Dispatch.
This honor is a testament to our natural passion to serve. Our employees come from the communities we humbly serve. The connection by our staff to our members and our giveback are real.
Our passion to serve drives our employees. We’re passionate about connecting underserved populations with true financial solutions. We’re passionate about rebuilding neighborhoods. That passion drives our staff to come to work every day. It drives us to build community partnerships toward a stronger city. It drives us to be more than a credit union.
We are committed to recruiting and retaining people of all backgrounds to help further our cause. Our social mission fuels our success. It’s an important part of our overall giveback.
St. Louis Community Credit Union is a Top Workplace. What we do matters. Whether it is through our caring staff at easily accessible branches throughout the region, meaningful products and services or financial education, we ARE making a difference.
Thank you for allowing us to serve you.
Sure Rides: Partnering to Drive Your Future
As part of our overall giveback to the community, St. Louis Community is proud to offer the Sure Rides® Auto Loan program. Introduced in spring 2014, Sure Rides was designed to help qualified, low-income, credit-challenged clients of workforce development agencies get to work by giving them access to affordable car loans.
We make it our business every day to provide affordable car loans to qualified hardworking people who might not otherwise have access to reliable transportation. What sets Sure Rides apart is our commitment to extending our hand into the community to people directly engaged in career development through workforce development agencies and other partners.
Oftentimes, people may have the capacity and skill to work, but they cannot get to a job regularly because they don’t own a car. Additionally, long-term unemployment and diminished personal credit can prevent many people from obtaining car loans. This creates a losing situation for both employees and employers, thus dragging down our regional economy. That’s why we work with our workforce development partner groups to help bridge this gap.
If you obtained your job through one of the following partners and qualify for St. Louis Community membership, you’re eligible to apply for a Sure Rides Auto Loan.
- Family and Workforce Centers for America (FWCA)
- Employment Connection
- Urban League Employment Services
- Job Corps (program graduates only)
- Beyond Housing child/adult care facility partners:
- Alexus Palace Child Development Center
- ABC Infant Child Care Center
- Babbs Child Care, LLC
- Bethesda Temple Child Development Center
- Brighter Daycare & Preschool Inc.
- City Sprout Day Care
- Destiny House Child Care
- Dean’s List
- Educare Early Childhood Center
- Every Child Hope Child Care Center
- Guiding Light Child Care
- Kia’s Center of Learning, LLC
- Korner Stone Kids Preschool
- Parent University
In addition, we may be able to help you with other loan opportunities.
Interested in and eligible for a Sure Rides Auto Loan? Visit one of our social service agency branches (Downtown/Kingdom House, Water Tower/Grace Hill or Wellston/MET Center) for further assistance, or call the Sure Rides hotline at 314-256-3999.
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.
2.99% APR for two years! 5.00% APR variable thereafter*
Make it your dream home! Open a Home Equity Line of Credit (HELOC) today and lock in the low introductory rate of 2.99% APR for two years!*
Use the money in your home for whatever you imagine! Our flexible HELOC is ideal for home improvement projects, long-term expenses, and gives you convenient access to funds whenever YOU need it! That includes using your HELOC for future needs, with a draw period up to 10 years. Our loans never come with pre-payment penalties, plus the interest you pay on your loan may even be tax deductible (consult your tax adviser for details). Apply now!
*Limited time offer. Subject to credit approval. Introductory Annual Percentage Rate*(APR) available on new lines of credit only and is based upon underwriting criteria. After 24-month introductory period, APR may vary monthly for the remaining life of the loan between Prime Rate and Prime Rate plus a margin up to 3.50% based upon underwriting criteria and LTV at time of application, although it will not be lower than 5.00% APR and will not exceed 6% above the initial non-introductory rate. As of 1/5/16, the Prime Rate is 3.50% as published in the Money Rates Section of The Wall Street Journal. Finance charges begin the date a transaction is posted to your account. Properties securing home equity lines of credit must be located in St. Louis City, St. Louis County and select counties in Illinois. Property insurance will be required and flood insurance where necessary. Consult a tax advisor regarding tax deductibility. Refinancing available from other institutions only. St. Louis Community Credit Union’s NMLS ID #616755
Become Part of Something Bigger at St. Louis Community Credit Union!
We exist to serve the community. It’s at the heart of what we do. As a jobs creator, we give back to the community by sustaining an excellent culture that is good for our staff and our members. We are growing and seeking talented, hardworking people with a passion to serve.
If you are looking for a career that actually means something, you’ve come to the right place. Find your purpose and your passion with St. Louis Community Credit Union. Click here to learn more.
St. Louis Community Credit Union is an Equal Opportunity Employer.
Respect All People, All of the Time
When it comes to people, St. Louis Community Credit Union lives and breathes respect and dignity. It’s part of who we are. That means we abide by the Golden Rule: Treat others as you like to be treated.
As a principle of our culture, we provide and expect mutual respect for all – members and staff alike. Whether you visit a branch or speak with us over the phone, we are here to serve you openly, honestly and respectfully. After all, this Credit Union belongs to each of us. Please join us in offering respect to everyone.
Respect all people, all of the time. That’s how we do business… and that’s what we all deserve.
Put More Money in Your Pocket: Avoid Overdraft Privilege (ODP) Fee and Non-Sufficient Funds (NSF) Fee
Things happen… especially when it comes to managing your financial accounts. However, if you aren’t careful, periodic Overdraft Privilege (ODP) fees and Non-Sufficient Funds (NSF) fees can become costly over time. The good news is – they don’t have to be.
Here are some helpful tips for avoiding them:
Build an emergency fund by paying yourself first. It doesn’t take a lot of money to get started. By putting aside an extra $10 or $20 here and there in your Credit Union savings account, you can build a cushion for those unexpected expenses that may come your way.
Monitor your spending. It’s always a good practice to track what you have to work with – what you owe vs. what you earn. Consider monitoring your spending by signing up for Online and/or Mobile Banking. It’s a free, fast and safe way to manage your money.
Use direct deposit. By taking advantage of direct deposit, you can help ensure that funds hit your account in a timely manner. This service is free and can prevent you from scrambling to make it into your local Credit Union branch before an urgent bill does.
Set a budget that works for you. Make a list of your monthly obligations and find out where your money is actually going. This way, you can identify those spending leaks and find ways to avoid them. You don’t have to do this alone. We offer free classes on budgeting and financial management at the Excel Center® (our destination point for financial empowerment). It’s part of our overall giveback to the community.Click here for details.
Take advantage of overdraft protection services. St. Louis Community offers several options for managing Overdraft Privilege (ODP) and Non-Sufficient Funds (NSF). Click here for details.
Seek financial assistance. If you are having trouble making ends meet, consider seeking financial help through our BalanceSM Financial Fitness Program or your local social service agency. SLCCU works with a variety of partners that may be able to meet your needs.
Get help today!
Put your money to work for you instead of the other way around. For more information or to set up a one-on-one financial coaching session, contact the Excel Center® at (314) 385-1586 or via email at firstname.lastname@example.org.
Federally insured by NCUA. Certain project costs have been underwritten by the Missouri Department of Economic Development, Neighborhood Assistance Program. These educational activities are financed (in part) through an allocation of Community Development Block Grant funds from the Department of Housing and Urban Development and the City of St. Louis’ Community Development Administration.