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“I do everything at 1st Financial. From my checking to loans, they offer it all.”


What’s in it for you?

Ever wonder why more than 34,000 people in St. Louis have chosen 1st Financial for their financial needs? It’s because we put people ahead of profits.

As a member-owned, not-for-profit financial cooperative, we return profits to our members in the form of lower rates on loans and higher savings yields.

By joining 1st Financial, you become a member for life, not just a customer. Even if you leave a select employee group, retire or move, you may always maintain your membership status as long as you maintain an account.

Membership Requirements

Today, 1st Financial is a full-service financial institution dedicated to helping our members achieve their financial dreams. We are able to serve anyone who lives, works (regularly does business in*), worships or attends school in the City of St. Louis, St. Louis County or St. Charles County.

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*Definition of “Regularly Does Business In”: Someone who is an account representative in our field of membership. Someone who delivers in our field of membership. Some portion of their work must be done on a regular interval in our field of membership.

How are credit unions different from banks?


Credit Unions

Banks have owners, usually a group of investors who may not live where the bank operates. Everyone with an account has a share of ownership.
The owners have the sole voice in how things are done. Every member has a vote in how the credit union is operated.
Only investors see a share of the profits. After expenses are paid and reserves set aside, all money surpluses are returned to the members in the form of higher dividends on deposits and lower loan interest rates.
Anyone may open an account at any bank. Customers sometimes become lost in the shuffle as “just another number.” Credit unions focus on the needs of a specific group of people, such as those working for a particular employer or living in the same neighborhood.

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