First Community Credit Union4249 Watson Rd, Saint Louis, MO

Saint Louis, MO
(636) 728-3333
NCUA Insured

About First Community

This branch of First Community is located at 4249 Watson Rd in Saint Louis, Missouri, and can be reached at (636) 728-3333. First Community is a federally insured financial cooperative serving the Saint Louis, Missouri community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Saint Louis or review your personal loan options.

Not-for-Profit

Profits are returned to members via better rates & lower fees.

Community Focus

Local decision making and support for the Saint Louis area.

Key Member Benefits

  • First-Time Homebuyer Program

    Special mortgage programs with lower down payments or rate assistance to help you buy your first home.

  • Bilingual Services

    Full service available in multiple languages to support our diverse community.

  • Low-Cost Wire Transfers

    Affordable wire transfer services, making it easier to send money domestically or internationally.

  • Free Checking

    No-cost share draft accounts (checking) with no monthly maintenance fees.

Location & Branch Hours

Visit Branch

4249 Watson Rd

Saint Louis, MO 63109-1214

Lobby Hours
Closed

The credit union lobby is currently closed.

Today: 8:30am-4pm

SundayClosed
Monday8:30 AM - 4:00 PM
Tuesday8:30 AM - 4:00 PM
Wednesday8:30 AM - 4:00 PM
Thursday8:30 AM - 4:00 PM
Friday8:30 AM - 6:00 PM
Saturday8:30 AM - 12:30 PM

Inferred from 11/18 locations with same hours

Need Funds Before You Join?

How to Join

Membership at First Community is typically open to individuals who live, work, worship, or attend school in Saint Louis and surrounding areas.

Standard Requirements:

  • Valid Government ID (Driver's License, Passport)
  • Social Security Number (SSN)
  • Proof of Address (Utility bill, Lease)
  • Small opening deposit (Usually $5 - $25)

We recommend contacting the branch at (636) 728-3333 to confirm your eligibility before visiting.

Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.

Services and Loan Types

Like most credit unions, First Community typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:

Loans & Credit

  • Personal Loans: Unsecured loans for debt consolidation or emergencies.
  • Auto Loans: Financing for new and used vehicles.
  • Home Loans: Mortgages and Home Equity (HELOC).
  • Credit Cards: Low-rate Visa/Mastercard options.

Banking & Savings

  • Checking Accounts: Often free with no minimum balance.
  • Savings Accounts: Share accounts with dividends.
  • CDs & IRAs: Long-term savings options.
  • Online Banking: Mobile app and remote deposit.

Verified Branch Services

ATM

Frequently Asked Questions

Is First Community federally insured?

Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.

Who can join this credit union?

Field of membership typically includes residents of Saint Louis, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.

Other First Community Locations

43 additional branches in 5 states

MissouriCurrent State

33 locations
First Community Credit Union in Maplewood, MOClosed

1900 Maplewood Commons Dr

2.6 mi away(636) 728-3333

1070 S Brentwood Blvd

3.8 mi away(636) 728-3333
First Community Credit Union in Saint Louis, MOClosed

9550 Watson Rd

4.9 mi away(636) 728-3333
First Community Credit Union in Kirkwood, MOClosed

10357 Manchester Rd

5.9 mi away(636) 728-3333
First Community Credit Union in Saint Louis, MOClosed

3887 S Lindbergh Blvd

6.4 mi away(636) 728-3333
First Community Credit Union in Saint Louis, MOClosed

4566 Lemay Ferry Rd

6.8 mi away(636) 728-3333
First Community Credit Union in Saint Louis, MOClosed

12856 Tesson Ferry Rd

7.7 mi away(636) 728-3333
First Community Credit Union in Saint Louis, MOClosed

4527 Telegraph Rd

7.8 mi away(636) 728-3333
First Community Credit Union in Creve Coeur, MOClosed

10950 Olive Blvd

8.5 mi away(636) 728-3333
First Community Credit Union in Fenton, MOClosed

102 Kate G Ln

9.7 mi away(636) 728-3333
First Community Credit Union in Manchester, MOClosed

201 Highlands Boulevard Dr

11 mi away(636) 728-3333
First Community Credit Union in Arnold, MOClosed

2201 Michigan Ave

11 mi away(636) 728-3333
First Community Credit Union in Arnold, MOClosed

1722 Missouri State Rd

12 mi away(636) 728-3333
First Community Credit Union in Bridgeton, MOClosed

11944 Paul Mayer Ave

12 mi away(636) 728-3333
First Community Credit Union in Florissant, MOClosed

8417 N Lindbergh Blvd

14 mi away(636) 728-3333
First Community Credit Union in High Ridge, MOClosed

2700 Ridge Point Dr

15 mi away(636) 728-3333
First Community Credit Union in Ellisville, MOClosed

15715 Manchester Rd

15 mi away(636) 728-3333
First Community Credit Union in Florissant, MOClosed

495 Howdershell Road

15 mi away(636) 728-3333
First Community Credit Union in Chesterfield, MOMain OfficeClosed

17151 Chesterfield Airport Rd

17 mi away(636) 728-3333

2897 Veterans Memorial Pkwy

18 mi away(636) 728-3333
First Community Credit Union in Saint Peters, MOClosed

1661 Jungermann Rd

19 mi away(636) 728-3333

2651 Old Muegge Rd

19 mi away(636) 728-3333
First Community Credit Union in Eureka, MOClosed

131 Eureka Towne Center Dr

20 mi away(636) 728-3333
First Community Credit Union in Cottleville, MOClosed

4570 Mid Rivers Mall Dr

21 mi away(636) 728-3333
First Community Credit Union in O Fallon, MOClosed

3440 Highway K

24 mi away(636) 728-3333
First Community Credit Union in O Fallon, MOClosed

1307 Highway K

25 mi away(636) 728-3333
First Community Credit Union in O'Fallon, MOClosed

771 Caledonia Parkway

27 mi away(636) 728-3333
First Community Credit Union in Festus, MOClosed

650 S Truman Blvd

27 mi away(636) 728-3333

6100 Ronald Reagan Dr

29 mi away(636) 728-3333
First Community Credit Union in Wentzville, MOClosed

1971 Wentzville Pkwy

34 mi away(636) 728-3333
First Community Credit Union in Wentzville, MOClosed

1000 Parkway Ridge Blvd

37 mi away(636) 728-3333
First Community Credit Union in Washington, MOClosed

1701 A Roy Dr

38 mi away(636) 728-3333
First Community Credit Union in Warrenton, MOClosed

500 Warren County Ctr

48 mi away(636) 728-3333

Illinois

1 location
First Community Credit Union in Waterloo, ILClosed

971 N Illinois Route 3

19 mi away(636) 728-3333

Minnesota

1 location

North Dakota

5 locations
First Community Credit Union in Wahpeton, NDClosed

1601 Wheatland Rd

621 mi away(701) 642-2020
First Community Credit Union in Steele, NDClosed

202 Mitchell Ave N

750 mi away(701) 475-2716
First Community Credit Union in Bismarck, NDClosed

3201 Weiss Ave

778 mi away(701) 355-4581
First Community Credit Union in Mandan, NDClosed

4614 Memorial Hwy

779 mi away(701) 258-2751

Credit Unions Near Me in Other Missouri Cities

Looking for credit unions near me in other Missouri cities? Browse credit unions in nearby locations:

View all credit unions in Missouri

If First Community Credit Union isn't the right fit

To borrow from First Community Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving Missouri. Applying is quick, and funds may be available as soon as the next business day after approval.

Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.