• Pattonville Community Resources

    • Financial Services

      Income Assistance 

      Temporary Assistance for Needy Families (TANF) provides assistance to needy families with children so they can be cared for in their own home and to reduce dependency by promoting job preparation, work and marriage.

      MO Healthnet for Kids provides healthcare coverage for children under 19 years of age whose family income falls within certain guidelines for children:

      under 19 years of age;
      who applies for a social security number;
      who lives in Missouri and intends to remain;
      who is a United States citizen or an eligible qualified non-citizen (NOTE: receipt of MO HealthNet benefits does NOT subject qualified non-citizens to public charge consideration, see a full list of benefits not subject to public charge consideration);
      the parent must cooperate with Child Support Enforcement (CSE) in the pursuit of medical support; and
      whose countable family income meets the income guidelines

      9900 Page Avenue
      Switchboard Phone: (314) 877-4000

      North County Center
      4040 Seven Hills Drive
      Phone: (314) 877-3050

      Jennings Service Center
      8501 Lucas & Hunt
      Income Maintenance Phone: (314) 877-2470

      South Service Ctr
      7545 South Lindbergh Suite 110
      Income Maintenance Phone: (314) 416-2700

      Financial Stabilization Services 

      If you’ve had account management problems in the past, we’re sure you’ll find that our Freedom Second Chance Checking, Visa® MoneyMAX Card or Reloadable Debit Card will work for you. And if you need an emergency loan but don’t have the best credit, we’ve got a payday loan alternative, as well as a title loan alternative.

      But we don’t just offer products that cover your day-to-day expenses – we also offer services that will help you build a secure financial future. To build a budget and create a plan to pay off debt, we have two free services: BALANCESM Financial Fitness Program and Debt In Focus. Both services provide personal actions plans to help you take control of your finances.

      We also offer a host of services to help you build your credit. Did you know that your credit score can impact the interest rates you receive on loans, your ability to rent or purchase a home, even if a potential employer will hire you? To make your credit score the best it can be, we offer a Credit Builder Loan, free credit reporting and a Credit Check-Up service that will provide you personalized steps to improve your credit score.
      Hey, we all make mistakes, that’s why we’ve created Fresh Start Checking. Fresh Start is, well, a fresh start, a second chance at a checking account. Perhaps you’ve had a difficult time and ran into some problems with your finances. Fresh Start offers you another chance with checking at Vantage.

      Fresh Start Checking features:
      •Free MyVantage online banking
      •Free Bill Pay and My$Manager
      •Visa check card
      •No minimum balance
      •Unlimited check clearings
      •Overdraft protection from Regular Savings (subject to Reg D limitations) and Overdraft Line-of Credit if you qualify


      Accel Financial Counseling

      When you’re a member of Vantage Credit Union, you’re our partner in finance. We take that partnership seriously, which is why we’ve teamed up with Accel, a financial education and counseling program assisting individuals for over 45 years, to provide members with a FREE financial education and counseling service. You’ll receive assistance with:
      •Personal and family budgeting
      •Understanding your personal credit report and how to improve your score
      •Money management
      •Debt repayment
      •Avoiding bankruptcy, foreclosure and repossession


      Financial Counseling Sessions
      Counseling appointments are focused on your needs. You aren't limited in the number of sessions you may have, and your counselor will help you develop a customized budget and detailed worksheet and action plan based on your financial goals.

      Credit Report Counseling
      You’ll receive counseling on how to understand your credit report and credit score. Accel counselors will help you resolve inaccurate information, understand how credit bureaus report information, and learn how to improve your credit. You can also get a copy of your credit report from Accel for a nominal fee (state restrictions may apply).

      Debt Management Plan (DMP)
      An Accel financial counselor will work with you to contact your creditors and negotiate concessions and/or work out loan payment agreements. Credit card companies will typically agree to lower interest, eliminate fees and cease collection activity.

      Housing Counseling
      As a HUD-approved housing counseling organization, Accel financial counselors can help you with pre-purchase education, reverse-mortgage counseling or foreclosure-prevention issues. Whether you have questions about the home-buying process or how to manage a budget once you get into your home, an Accel counselor can assist you.

      BudgetSmart Software
      BudgetSmart is a new and exciting software program now available to our members. This easy-to-use software tool uses simple graphics, "pop-up" boxes and bar charts to help you manage your money more effectively. You can use the program to:
      •Establish a budget
      •Track spending
      •View tips for improving areas of overspending or inadequate saving
      •Experiment with "what if" scenarios to determine how a major purchase or change in income would impact your budget

      CheckRight
      CheckRight is a web-based checking account self-study program designed to teach you how to manage a checking account. Once you've read through the chapters, you'll be directed to a quiz that will test your knowledge on checking accounts. You'll be able to view the results, and you have the option to send the results to the credit union via e-mail.
    Educational ServicesFood & Clothing Assistance