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West Community Credit Union

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West Community Credit Union Rates & Review November 2026

Q: What are the current interest rates at West Community Credit Union?

Current rates for West Community Credit Union include: 12-Month CD: 3.65%, 18-Month CD: 3.15%, 24-Month CD: 3.15%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 2.50%

Q: What CD terms does West Community Credit Union offer?

West Community Credit Union CD rates are 3.65% APY for a 12 month CD, 3.15% APY for an 18 month CD, 3.15% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with West Community Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

West Community Credit Union's CDs of Deposit - 12 month rates are at 3.65%, CDs of Deposit - 36 month rates are at 3.25%, CDs of Deposit - 48 month rates are at 3.25%, CDs of Deposit - 60 month rates are at 3.25%, CDs of Deposit - 18 month rates are at 3.15%. West Community Credit Union's savings rates are at 0.05%. West Community Credit Union's money market rates are at 2.50%. West Community Credit Union's checking rates are as high as 0.50%. West Community Credit Union's Personal Loan Rates are as low as 9.99%. West Community Credit Union's Credit Card Rates are at 9.90%. West Community Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A health rating. 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 12.18%. Rates last updated and verified on 10/29/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.18%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

West Community Credit Union
O'Fallon

4161 Highway K
O Fallon, MO 63368-8294

https://www.westcommunitycu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

West Community Credit Union CD Rates

Product	Rate	APY	Term
Certificates of Deposit - 11 month special	3.92%	4.00%	11 month
Min Deposit $500 Details Limited time special offer; Actual rate is 3.92%; APY accurate as of 9/14/2026; Offer requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union; Membership eligibility required Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 11 month special	3.92%	4.00%	11 month
Min Deposit $500 Details Limited time special offer; APY accurate as of 9/14/2026; Requires 100% of funds as new funds not currently on deposit with West Community Credit Union or Gateway Metro Federal Credit Union; Membership eligibility required; Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 12 month	3.59%	3.65%	12 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 12 month	3.59%	3.65%	12 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 36 month	3.20%	3.25%	36 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 48 month	3.20%	3.25%	48 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 60 month	3.20%	3.25%	60 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 36 month	3.20%	3.25%	36 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 48 month	3.20%	3.25%	48 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 60 month	3.20%	3.25%	60 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 18 month	3.10%	3.15%	18 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 24 month	3.10%	3.15%	24 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 18 month	3.10%	3.15%	18 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 24 month	3.10%	3.15%	24 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Certificates of Deposit - 6 month	2.96%	3.00%	6 month
Min Deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - 6 month	2.96%	3.00%	6 month
Min Deposit $500 Details Minimum opening deposit $500; Subject to early withdrawal penalty Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Savings Rates

Product	Rate	APY
Health Savings (HSA)	0.05%	0.05%
Min Balance $0 Details Min. Balance = minimum daily balance required to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Holiday/Vacation Savings	0.05%	0.05%
Min Balance $25 Details Min. Balance = minimum daily balance required to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Kids Savings	0.05%	0.05%
Min Balance $0 Details Min. Balance = minimum daily balance required to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Regular Savings	0.05%	0.05%
Min Balance $100 Details Min. Balance = minimum daily balance required to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	2.48%	2.50%
Min Deposit $15,000 Min Balance $250,000 Details Balance: $250,000 or more; Minimum daily balance required to earn APY; $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	2.23%	2.25%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000-249,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market Plus	1.75%	1.76%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000-49,999; Minimum daily balance required to earn APY; $1,500 aggregate average daily balance in a West Community checking account or a monthly $10 fee will apply Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	1.74%	1.75%
Min Deposit $1,000 Min Balance $75,000 Details Balance: $75,000-99,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	1.49%	1.50%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000-74,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000-49,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	0.60%	0.60%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000-24,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-4,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000-9,999 Last Updated 10/29/2026 Rate History No change since Sep 29, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	1.74%	1.75%
Min Balance $250,000 Details Balance: $250,000 or more Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Business Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000-249,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Business Money Market	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000-99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Business Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000-49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Business Money Market	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000-24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Checking Rates

Product	Rate	APY	View More
Interest Checking	0.05%	0.05%
Min Balance $0 Details Min. Balance is minimum daily balance required to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Business Checking Rates

Product	Rate	APY
High-Yield Business Interest Checking	0.50%	0.50%
Min Deposit $200 Min Balance $100,000 Details Balance: $100,000 or more; Dividend Rate: 0.50% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
High-Yield Business Interest Checking	0.35%	0.35%
Min Deposit $200 Min Balance $50,000 Details Balance: $50,000-99,999; Dividend Rate: 0.35% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
High-Yield Business Interest Checking	0.20%	0.20%
Min Deposit $200 Min Balance $25,000 Details Balance: $25,000-49,999; Dividend Rate: 0.20% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
High-Yield Business Interest Checking	0.15%	0.15%
Min Deposit $200 Min Balance $10,000 Details Balance: $10,000-24,999; Dividend Rate: 0.15% Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Business Interest Checking	0.05%	0.05%
No additional details. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.50%	-	6.50%	240 months
Details Term: Fixed for five years 240 months; As Low As; Introductory rate; 80% loan to value; rates quoted on loans over $15,000; annual adjustment after introductory rate Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loan	-	-	4.49%	36 months
Details As Low As; Model years 2024 to 2027 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 4.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2018 to 2023	-	-	4.99%	36 months
Details As Low As; Model Years 2018 to 2023 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 26, 20264.99%▲ from 4.74% Oct 13, 20264.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New Car Loan	-	-	5.14%	48 months
Details As Low As; Model years 2024 to 2027 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89% Oct 26, 20265.14%▲ from 4.89% Sep 14, 20264.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New Car Loan	-	-	5.24%	60 months
Details As Low As; Model years 2024 to 2027 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2018 to 2023	-	-	5.24%	48 months
Details As Low As; Model Years 2018 to 2023 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 26, 20265.24%▲ from 4.99% Oct 13, 20264.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New Car Loan	-	-	5.49%	72 months
Details As Low As; Model years 2024 to 2027 Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 26, 20265.49%▲ from 5.24% Sep 14, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2018 to 2023	-	-	5.49%	60 months
Details As Low As; Model Years 2018 to 2023 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24% Oct 26, 20265.49%▲ from 5.24% Oct 13, 20265.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2018 to 2023	-	-	5.99%	72 months
Details As Low As; Model Years 2018 to 2023 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Oct 26, 20265.99%▲ from 5.74% Oct 13, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan	-	-	6.24%	36 months
Details As Low As; Model Years: 2014 to 2017; APR=Annual Percentage Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New Car Loan	-	-	6.49%	84 months
Details As Low As; Model years 2024 to 2027 Last Updated 10/29/2026 Rate History 2 changes since Sep 14, 2026 · 5.74% → 6.49% ▲ 0.75 pts · high 6.49% / low 5.74% Oct 26, 20266.49%▲ from 5.99% Oct 9, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan	-	-	6.49%	48 months
Details As Low As; Model Years: 2014 to 2017; APR=Annual Percentage Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan	-	-	6.74%	60 months
Details As Low As; Model Years: 2014 to 2017; APR=Annual Percentage Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2018 to 2023	-	-	7.24%	84 months
Details As Low As; Model Years 2018 to 2023 Last Updated 10/29/2026 Rate History 1 change since Oct 13, 2026 · 6.74% → 7.24% ▲ 0.50 pts · high 7.24% / low 6.74% Oct 26, 20267.24%▲ from 6.74% Oct 13, 20266.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan	-	-	8.49%	84 months
Details As Low As; Model Years: 2014 to 2017; APR=Annual Percentage Rate (as low as) Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2013 and Older	-	-	9.99%	36 months
Details As Low As; Model years 2013 and older; APR=Annual Percentage Rate (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2013 and Older	-	-	9.99%	48 months
Details As Low As; Model years 2013 and older; APR=Annual Percentage Rate (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2013 and Older	-	-	9.99%	60 months
Details As Low As; Model years 2013 and older; APR=Annual Percentage Rate (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Used Car Loan - Model Years 2013 and Older	-	-	12.99%	72 months
Details As Low As; Model years 2013 and older; APR=Annual Percentage Rate (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 12.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boats - 36 months Loan	-	7.24%	36 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 48 months Loan	-	7.24%	48 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 60 months Loan	-	7.24%	60 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Motorcycle or ATV Loan	-	7.24%	24 months
Details As Low As; APR (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Motorcycle or ATV Loan	-	7.24%	36 months
Details As Low As; APR (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Motorcycle or ATV Loan	-	7.24%	48 months
Details As Low As; APR (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Motorcycle or ATV Loan	-	7.49%	60 months
Details As Low As; APR (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	7.94%	36 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	7.94%	48 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	7.94%	60 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 7.94% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 72 months Loan	-	7.99%	72 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 84 months Loan	-	8.49%	84 months
Details As Low As; Value: $5,000 min. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 8.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Motorcycle or ATV Loan	-	8.49%	72 months
Details As Low As; APR (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	8.49%	72 months
Details As Low As; Value: No min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Motorcycle or ATV Loan	-	8.99%	84 months
Details As Low As; APR (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	9.99%	84 months
Details As Low As; Value: $5,000 min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 120 months Loan	-	10.99%	120 months
Details As Low As; Value: $10,000 min. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	10.99%	120 months
Details As Low As; Value: $10,000 min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	11.29%	144 months
Details As Low As; Value: $15,000 min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.29% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 144 months Loan	-	11.49%	144 months
Details As Low As; Value: $15,000 min. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used Boats - 180 months Loan	-	12.49%	180 months
Details As Low As; Value: $25,000 min. Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 12.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
New & Used RVs Loan	-	13.99%	180 months
Details As Low As; Value: $25,000 min. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 13.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Credit Card Rates

Product	Rate	APR
Platinum Mastercard	-	9.90%
Details APR=Annual Percentage Rate (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Platinum Mastercard w/ Rewards	-	11.90%
Details APR=Annual Percentage Rate (as low as). Subject to change. Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 11.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	9.99%	Up to 60 months
Details As Low As; Rate quoted "as low as"; Apply Now Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

West Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Line of Credit	-	-	12.90%	Open ended
Details To Apply Visit a Branch or Call (636) 720-2400 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%
Roth/Traditional IRA CD - IRA Accumulation	0.25%	-	0.25%
Min Deposit $500 Details A regular monthly dividend will be paid on daily balances for the month; Minimum opening deposit $500 Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.18%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

West Community Credit Union’s Texas Ratio rose from 8.37% in Q3 2023 to 12.18% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$656M	12.18%	5.0	A
March 31, 2026	$499M	9.19%	5.0	A
December 31, 2025	$491M	10.28%	5.0	A
September 30, 2025	$491M	10.68%	5.0	A
June 30, 2025	$495M	15.22%	5.0	A-
March 31, 2025	$484M	11.78%	5.0	A
December 31, 2024	$483M	14.18%	5.0	A-
September 30, 2024	$481M	15.42%	5.0	A-
June 30, 2024	$484M	12.60%	5.0	A
March 31, 2024	$483M	11.57%	5.0	A
December 31, 2023	$469M	13.56%	5.0	A
September 30, 2023	$472M	8.37%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 170

Part-Time Employees 2

Branch Locations 14

ATM Locations 14

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

12.18%

Return on Assets (ROA)

0.4280%

Return on Equity (ROE)

5.2132%

Non-Performing Loans Ratio (NPL)

1.40%

Total Assets

656,235,246

Total Amount of Shares and Deposits

585,161,729

Total Shares and Deposits < 1 Year

552,528,805

Total Shares and Deposits 1 3 Years

30,913,772

Total Shares and Deposits > 3 Years

1,719,151

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

38,374,277

Total Uninsured Shares and Deposits > $250K (F+J)

38,871,277

Total Insured Shares and Deposits > $250K (item 17 less item K)

546,290,452

Total Interest Expense (Sum of items 6 8)

4,077,993

Share Certificates

5,756

Number of Accounts for Share Drafts

25,785

IRA KEOGH Accounts

1,138

Number of Accounts for Regular Shares

48,085

All other shares

614

Non Member Deposits

118

Money Market Shares

1,877

Net Income (unless the amount is already included in Undivided Earnings)

2,808,889

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Adequately Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

38,970,230

Total Liabilities

603,275,661

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

West Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About West Community Credit Union

Does West Community Credit Union offer CDs?

Yes. West Community Credit Union current CD rates include its CDs of Deposit - 12 month at 3.65% APY, its CDs of Deposit - 36 month at 3.25% APY and its CDs of Deposit - 48 month at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from West Community Credit Union NCUA insured?

Yes. West Community Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at West Community Credit Union?

The highest West Community Credit Union CD rate is its CDs of Deposit - 11 month special at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does West Community Credit Union offer?

West Community Credit Union CD rates are 3.65% APY for a 12 month CD, 3.15% APY for an 18 month CD, 3.15% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with West Community Credit Union for its full lineup.

What is the highest savings rate at West Community Credit Union?

The highest West Community Credit Union savings rate is its Health Savings (HSA) at 0.05% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at West Community Credit Union?

The highest West Community Credit Union money market rate is its Money Market Plus at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at West Community Credit Union?

The highest West Community Credit Union checking rate is its High-Yield Business Interest Checking at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at West Community Credit Union?

The lowest West Community Credit Union auto loan rate is its New Car Loan at 4.49% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at West Community Credit Union?

The lowest West Community Credit Union personal loan rate is its Personal Loans at 9.99% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at West Community Credit Union?

The lowest West Community Credit Union credit card APR is its Platinum Mastercard Credit Card at 9.90% APR, verified by MonitorBankRates as of October 29, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do West Community Credit Union rates compare?

West Community Credit Union's CD rates are 12% higher than the MonitorBankRates national average, and it has an A health rating. West Community Credit Union's top rates are its CDs of Deposit - 11 month special at 4.00% APY, its Health Savings (HSA) at 0.05% APY, its Money Market Plus at 2.50% APY, its High-Yield Business Interest Checking at 0.50% APY, its Personal Loans at 9.99% APR and its Platinum Mastercard Credit Card at 9.90% APR, verified by MonitorBankRates on October 29, 2026.

Current West Community Credit Union Rates

12-Month CD3.65%
18-Month CD3.15%
24-Month CD3.15%
60-Month CD3.25%
Savings0.05%
MMA2.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

West Community Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

West Community Credit Union Texas Ratio

West Community Credit Union Health Trend

West Community Credit Union CD Rates

West Community Credit Union Savings Rates

West Community Credit Union Money Market Rates

West Community Credit Union Business Money Market Rates

West Community Credit Union Checking Rates

West Community Credit Union Business Checking Rates

West Community Credit Union Home Equity & HELOC

West Community Credit Union Auto Loan Rates

West Community Credit Union RV, Boat and Powersport Loan Rates

West Community Credit Union Credit Card Rates

West Community Credit Union Personal Loan Rates

West Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

West Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About West Community Credit Union

Does West Community Credit Union offer CDs?

Are CDs from West Community Credit Union NCUA insured?

What is the highest CD rate at West Community Credit Union?

What CD terms does West Community Credit Union offer?

What is the highest savings rate at West Community Credit Union?

What is the highest money market rate at West Community Credit Union?

What is the highest checking rate at West Community Credit Union?

What is the lowest auto loan rate at West Community Credit Union?

What is the lowest personal loan rate at West Community Credit Union?

What is the lowest credit card APR at West Community Credit Union?

How many branches does West Community Credit Union operate?

Is a member application needed to join West Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does West Community Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do West Community Credit Union rates compare?

Current West Community Credit Union Rates

Compare to Other Credit Unions