NorthWestern Financial Review

St. Louis Community Credit Union

St. Louis Community Credit Union Overall rating: ★★★☆☆ 3.3 based on 11 reviews.
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St. Louis Community Credit Union logo

St. Louis Community Credit Union provides the residents of Missouri and Illinois with safe, affordable and accessible loans and other financial services.  For over 80 years, they have been a champion for the community. You can become a member of St. Louis Community Credit Union if you live or work in St. Louis City and St. Louis County in Missouri and St. Clair, Madison, Monroe, and Jersey Counties in Illinois. St. Louis Community Credit Union is also a Low-Income Designated credit union and one of the major Minority Depository Institutions in the United States. It has several branch locations. Because this credit union is a not-for-profit financial cooperative, they can offer lower rates and fees than other financial institutions. They also provide access to healthcare, healthy foods, workforce development and education. The Better Business Bureau gives the credit union an A+ rating. The financial cooperative doesn’t have any public scandals.

Company name St. Louis Community Credit Union
Founded 1942
Address 3651 Forest Park Ave. St. Louis, MO 63108
Phone number
314-534-7610, 866-534-7610
St. Louis Community Credit Union site


  • Experienced lender
  • Multiple loan types
  • Large shared branch and ATM network
  • Black-owned institution
  • BBB accredited
  • Low or no monthly service fees
  • Loan products range from hundreds to thousands of dollars
  • The repayment periods are flexible


  • You must reside and work in Illinois and Missouri to qualify
  • Good credit required
  • Low savings rates
  • Mixed user reviews

Bottom line

St. Louis Community Credit Union is a good credit union for residents of Missouri and Illinois, especially if you want to partner with a Black-owned credit union. They offer low-fee loans and other financial products. But there are certain qualifications and requirement to get a loan with this credit union.

Types of loans

St. Louis Community Credit Union offers various types of loans:

  • vehicle loans
  • personal loans
  • mortgages
  • home equity lines of credit
  • lines of credit
  • business loans

They also offer other financial products like credit cards, share certificates, checking and saving accounts, online banking services, deposit insurance, etc.

Eligibility criteria

To apply for a loan with St. Louis Community Credit Union, you will need to become a member of this financial cooperative. For this, you will need:

  1. U.S. Government/State-Issued Identification: Driver’s License, State ID or U.S. Passport
  2. Social Security Number (SSN)
  3. Date of Birth (DOB)
  4. Current Physical and Mailing Address (proof of residency may be required)
  5. Existing debit/credit card to fund your new account
  6. Beneficiary Information (name and/or SSN or DOB)
  7. Valid Email Address

Category: Online Loans

Tags: Illinois, Missouri

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St. Louis Community Credit Union Reviews

I have been using this credit union for six years now and have had an amazing experience with them. I have used their vehicle loan and discovered they have the lowest interest rates in my area which was great. Overall they have many convenient tools and products and I have taken advantage of some of their services. Love this company.
- June Hoffman

When I used to live in St. Louis, I banked with this credit union. It’s simply amazing. St. Louis Community Credit Union stands above most of the banks in this area. Good customer service. If I lived in St. Louis again, I would surely bank with this credit union. Awesome business! Highly recommended!
- Magnolia Richardson

I was denied a $4000 loan due to “high debt to income ratio”. So disappointed. I’ve been a member for years..
- Veronica Cruz

The worst customer service experience EVER! Avoid them at any cost!!! There are much better credit unions around
- Sage Stokes

This community credit union is easy to deal with, and they help a lot of people on a daily basis. I have never had a problem with my loans and checking account, and their reputation is really good. I give 4 stars to St. Louis CCU!
- Emmett Douglas

Nice credit union. I’ve been with them since I moved to St. Louis in 2008. They require you work or reside in the area to become a member. The application process is effortless. You just need to submit an online application and they approve you within two business days. After that you just have to come to the office and get the funds – with no hassle. Never had any issues or complaints. I used to have an account with a large bank and this one is MUCH better.
- Everlee Davidson

I have been banking with St. Louis Community Credit Union since I was 16 years old. My first bank account was opened at this place and since then they have always had the awesome customer service. If i had any questions or concerns, they respond immediately. They are always understanding and friendly when I visit them and always remember me. I used this credit union for loans, savings and checking accounts, and even more. They offered me the lowest rates and because of that I was able to repay my car loan early!
- Brady Cook

The staff are always awesome, i have been with them for 5 years and wouldn’t change if you are searching for a great place to bank give them a chance
- Gabriella Murphy

I loved this place. They were always so kind and helpful. I was approved for a payday loan quickly. The entire process was speedy and simple…….
- Aubree Gross

I have banked with St Louis community for many years, I will never turn to them again because I know they won’t help.” 1
- Oliver Evans

The service at St. Louis Community is WORST!!! Choose another bank where they offer better customer service. I’ve never experienced a worse customer service. Their employees are rude, they act like you are nothing by making interest off your money and they offer no programs that most recognized banks possess. I’ve been with them 16 years since I was 18 years old and now i have to switch to another credit union. I hope I can save anyone the same headaches and nervous breakdowns I have had. If you want to be treated like trash, this is the credit union for you. If you want to be respected, RUN SOMEWHERE ELSE!!!
- Jane Mckinney

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