Maryland Heights

1805 Craigshire Road
Maryland Heights, MO 63146

Wildwood

16500 Manchester Road
Wildwood, MO 63040

Manchester (Lafayette Center)

407 Lafayette Center Road
Manchester, MO 63011

South County (Tesson Ferry)

12400 Tesson Ferry Road
St. Louis, MO 63128

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Electro Savings Credit Union Posts

Where Should You Get YOUR Next Auto Loan?

Author: Justin McCain

Need a car but can’t pay cash?  For most consumers, you find yourself with three choices for an Auto Loan: Borrow from the dealer or manufacturer’s financing company Borrow from a bank Borrow from a credit union (unless Uncle Bob is willing to finance you, but who wants the “strings” that go along with that?) Each method has advantages and disadvantages – but if you can qualify, the way to go is usually with a credit union.  Interest rates are still near historic lows. If you are going to borrow money for a car, there’s never been a better time.

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Dreams Thrive Here: Preparing for International Credit Union Day

Author: Justin McCain

It’s Almost Here! Are you as excited as we are to celebrate International Credit Union Day this year? ICU Day – celebrated on the third Thursday of every October since 1948 – will be on October 19, 2017. The day has been designated as an occasion for credit unions all over their world to recognize the history behind the credit union movement, its spirit and its philosophy. It’s a day to share your experiences as a member and to reflect upon all the benefits you enjoy by being a part of your credit union. It’s also a day to have

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7 Crucial Hints For Dealing With Financial Setbacks

Author: Justin McCain

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a pink slip. It may be a medical emergency that isn’t covered by insurance, or some good news that will cost you a bundle, like a wedding or the birth of a baby.  For most of us, when life happens, it happens fast.  However, that doesn’t

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Meet Tom Fox, Our Home Loan Expert

Author: Justin McCain

Who is Tom? While Tom Fox has only been with Electro Savings Credit Union since April, he has decades of real estate experience – both on the realty and mortgage sides. However, Fox followed an interesting path to get here.   Tom has called St. Louis his hometown his entire life, and growing up, he wanted to be a doctor. While life took him down a different road, we’re certain it was this childhood dream that instilled Fox’s empathy for understanding and improving people’s circumstances. The real estate industry lured Tom away at the perfect time – he was working

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After the Equifax Data Breach – How Can I Keep My Data Safe?

Author: Justin McCain

Cyber criminals have stolen 143 million credit data records in the recent hacking scandal at big-three credit bureau Equifax. It is estimated that one out of every two adults in the U.S. is affected by this breach. At this point, you have to assume that the bad guys have highly personal information that they can use to trick you. You need to watch out for the following things: Phishing emails that claim to be from Equifax where you can check if your data was compromised Phishing emails that claim there is a problem with a credit card, your credit record, or

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How Students Can Get Discounts And Savings Just By Being A Student

Author: Justin McCain

If this fall is when you or your child find yourselves in the wonders of a collegiate campus, there’s no doubting that you know: College is expensive. For most students, the cost is worthwhile because of the earning potential that exists on the other side, but what about the here and now? Did you know being a college student could get you all kinds of discounts? Here are a few excellent places to save with your college ID. 1.) Save big on Amazon Prime Amazon offers a specialized Amazon Prime discount that’s just for college students. For those unfamiliar, Amazon

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Adjustable Or Fixed-Rate Mortgage – Which Is Right For Me?

Author: Justin McCain

If you’re mortgage shopping, you may be overwhelmed by the number of options. Dozens of lenders, each with their own rates, terms, conditions and costs, can make the decision feel that way. But it doesn’t have to be that difficult! The choice of which mortgage to go with starts with a simple question: fixed-rate or adjustable? There are many different terms, points and rates associated with each, but narrowing your search to a category can really simplify the process. As an overview, fixed-rate mortgages are the more traditional choice. You and a lender agree to a length of time (or

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Electro Savings Donates School Supplies to Area Educators

Author: Justin McCain

St. Louis, MO (August 30, 2017) Electro Savings Credit Union held a school-supply drive July 31 – August 12 to help its member-teachers stock their classrooms this upcoming school year. In addition to receiving the school supplies collected, each teacher also received a $100 Visa Gift Card to help purchase additional classroom supplies. Congratulations to the following member-teachers chosen at random from the 33 entries Eric Connors teaches Drama – 6th and 7th Grade at Hixon Middle School Deborah Stevens Peebles teaches 5th Grade at St. Louis Public Schools Jacob Bubb is a teacher and band director for 5th –

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Solar Eclipse Dawns on Electro Savings

Author: Justin McCain

Did you see the historic Solar Eclipse that took place on April 21st, 2017?  At 1:17pm CST, the sky went dark in St. Louis, and our employees and members alike took a moment to appreciate the once in a lifetime event.  Did you see?  Where were you when the sun went black?  

4 Important Tips to New Home Buying in Today’s Economy

Author: Justin McCain

Whether you’re a regular news junkie or you rely on your better half to keep you updated on the latest, you’ll get the same conflicting messages about the state of today’s economy. One day you’ll hear about rising wages, and the next day you’ll read about the lagging growth in the GDP, or Gross Domestic Product. The only thing certain about today’s economy is that it is uncertain. While things look relatively stable now, no one can guarantee what the next few years will bring. Fortunately, you don’t have to give up on the home of your dreams because of

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