Personal loans can be acquired for almost any need. Updating your appliances, going on a vacation, securing emergency funds for home repairs or medical expenses — we have you covered. Whether you have A+ credit or are working to improve your credit score, we are proud to offer creative solutions for all members at any stage in life. Loan ... At St. Louis Community Credit Union, we believe that banking is a public good. While not all people begin their journey at the same point or with the same advantages, St. Louis Community Credit Union provides adaptive solutions to meet people where they are in their financial journey and equip them with tools and knowledge to achieve personal goals.Our loan specialist can answer all your questions and show you how we outperform the competition. You can apply over the phone by calling 314-534-7610 during business hours. Our total automation allows for fast, efficient processing. We have a fully diversified First Mortgage Loan portfolio with fixed-rate terms ranging from 10 to 30 years, as ...You can check your account balances, transfer funds, make loan payments, get check clearing information – even request a withdrawal, with a check mailed to you the next day. This service is free to you as part of our giveback to our members. In the St. Louis area: 314-421-7171. Outside the St. Louis area (toll-free): 1-866-534-7610, option 1.The time is now. Take control of your financial success. Crush your life goals with confidence using our custom banking solutions and digital tools. Our credit union in St. Louis has the digital banking options you want with the people-first approach you need. Sign up for a free checking account with Arsenal!CommunityAmerica Credit Union is the largest credit union in Missouri and has a 30-year history serving the St. Louis County community - and we're just getting started.3412 N. Union Blvd. St. Louis, MO 63115. Fax: (314) 389-2568. Learn more: gatewayslccu.com. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time.St. Louis Community Credit Union. Chartered in 1942, St. Louis Community Credit Union has been providing financial services the St Louis, MO community for over 82 years. South City Branch. 7224 Gravois Avenue, St Louis, MO 63116 (314) 534-7610. Contact & Hours Online BankingSaint Louis Community Credit Union is committed to every individual in every community we serve. We exist solely for the continual improvement of our members... Membership. Membership in St. Louis Community Credit Union is open to anyone who lives or works in St. Louis City and those in Franklin, St. Louis and St. Charles counties in Missouri; as well as St. Clair, Madison, Monroe, and Jersey counties in Illinois. Membership is also open to relatives of those eligible for St. Louis Community membership ... Coverdell Education Savings Account (ESA) Save in advance to fund your child's education. Withdrawals are tax-free when used for education expenses*. No setup or annual fee, dividends grow tax-free. Learn More. We’re looking for dynamic people to be part of our caring team. If you have a great work ethic, motivation to excel and a desire to serve, we want to speak with you! We’re conducting open, in-person interviews on: Thursday, May 9 • 9:30 a.m. to 1:30 p.m. St. Louis Community Credit Union – St. John Branch. 2808 Endicott Ave. Property insurance will be required and flood insurance where necessary. Consult a tax advisor regarding tax deductibility. Refinancing available from other institutions only. St. Louis Community Credit Union’s NMLS ID# 616755. 2 Applies to new credit lines of $25,000 or more and excludes appraisal if required. 3651 Forest Park Ave. St. Louis, MO 63108. Fax: (314) 533-5996. This branch is closed for construction until further notice. Please visit our Southtown, Gateway or Richmond Heights locations for your banking needs. HOURS: Monday. 9:00 a.m. to 5:00 p.m. Tuesday. Membership. Membership in St. Louis Community Credit Union is open to anyone who lives or works in St. Louis City and those in Franklin, St. Louis and St. Charles counties in Missouri; as well as St. Clair, Madison, Monroe, and Jersey counties in Illinois. Membership is also open to relatives of those eligible for St. Louis Community membership ... St. Louis Community Credit Union is a financial institution based in Saint Louis, MO, dedicated to serving the underserved and empowering its members to achieve financial success. With a focus on community impact and giving back, they offer a range of financial solutions, including loans, savings accounts, and convenient banking services. ...Information about the St. Louis Community Credit Union is available at Stlouiscommunity.com. For more information on preferred banking services, please contact the Treasury Office at 314-935-7750. CustomGifts.efollett.com offers staff & faculty a broad selection of customized gifts and apparel. Visit their website to browse or request a …St. Louis Community Credit Union is a not-for-profit financial cooperative which is owned by its 60,000 members throughout the St. Louis region, most of whom are African American.1 review of ST LOUIS COMMUNITY CREDIT UNION "Feb 3 2022 this bank keeps on disappointing me when I speak to a live teller in the lobby i had a check mailed to me and went to st louis credit union to cash it by home depot in the morning as I walked in there were 2 female tellers on was on the computer other on phone i stood still in lobby note it …With the app, you can experience banking at your fingertips. Check your St. Louis Community CU account balances and recent transactions, transfer funds between …ATM Service. Find an ATM. Example: 3651 Forest Park Ave. St. Louis MO 63108. Refine your search. St Louis Community branch locations, Shared Branch locations link, and …Minimum first advance of $1,000 on home equity loans. Offer of 5.95% Annual Percentage Rate on First Line Home Equity Loan is good for twelve months after closing date. After introductory period, rate adjusts quarterly to the Prime Rate as published in the Wall Street Journal plus .74%. That rate is currently 9.24%. Please send an email to: [email protected]. Lost or Stolen Mastercard® Debit Card. During business hours: 314-534-7610. Nights and weekends: 888-241-2510. Visa Credit Card 24-hour Cardmember Service. 800-558-3424. Lost or Stolen VISA® Gift Card. 877-283-1860. BALANCE Financial Fitness Program. About First Community. First Community is one of the largest credit unions in Missouri and among the Top 10 financial institutions in the region. Our membership continues to grow as we fulfill our mission to provide quality products and affordable financial services; as we’ve done for over 85 years. We are a cooperative, owned and operated by ...Some of our staff volunteered at the St. Louis Area Foodbank this week and processed 15,538 meals for hungry families in our community! Crushing it #CommittedToTheCommunity #CUgivebackSt. Louis Community Credit Union was chartered on Jan. 1, 1942. Headquartered in St. Louis, MO, it has assets in the amount of $233,429,952. Its 48,933 members are served from 11 locations. Deposits in St. Louis Community Credit Union are insured by NCUA. Membership Eligibility.Rhonda Anderson is such a great asset to 1st Community Credit Union in Tomah, Wisconsin. She was incredibly patient and kind as she showed us how to set up an online account, print checks, and learn the ropes of our new financial institution, including which accounts to use to get the best bang for our buck!7350 Olive Blvd. University City, MO 63130. Fax: (314) 721-4424. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time.FacebookLOUIS, July 14, 2021) — Neighbors Credit Union is the “Best Credit Union” in the state of Missouri with the most satisfied customers, according to a survey conducted by Forbes Magazine and published on forbes.com. The credit union, which was founded in 1928, is the region’s sixth largest and has nine branch locations serving 45,000 ...There’s an $18 fee per overdraft, and you have 30 days to deposit funds and bring the account back to a positive balance. You can choose to opt out of this service by simply …Online Banking. Access your accounts 24 hours a day, seven days a week with our free Online Banking service. It's a secure and dependable method of transacting business at your convenience. With online banking, you can: Check account balances and see cleared checks instantly. Set up email or text alerts for balance activity.Feb 26, 2024 · 3.44%. 3.50%. Dividend Rates change on a regular basis. Minimum required deposit is $300.00. Penalties will be imposed for early withdrawal. Terms of 3, 6, 9, 12, 24, 36, 48 and 60 months available. Dividends are compounded and credited monthly. All dividends and rates are subject to change. Your savings are federally insured to at least ... St. Louis Community Credit Union. Chartered in 1942, St. Louis Community Credit Union has been providing financial services the St Louis, MO community for over 82 years. South City Branch. 7224 Gravois Avenue, St Louis, MO 63116 (314) 534-7610. Contact & Hours Online Banking Membership. Membership in St. Louis Community Credit Union is open to anyone who lives or works in St. Louis City and those in Franklin, St. Louis and St. Charles counties in Missouri; as well as St. Clair, Madison, Monroe, and Jersey counties in Illinois. Membership is also open to relatives of those eligible for St. Louis Community membership ... When you belong as a member of St. Louis Community Credit Union, every account holder is an owner. Membership in St. Louis Community Credit Union is open to anyone who lives or works in St. Louis City and those in Franklin, St. Louis and St. Charles counties in Missouri; as well as St. Clair, Madison, Monroe and Jersey counties in Illinois. 8 St. Louis Community Credit Union Branch locations in St. Louis, MO. Find a Location near you. View hours, phone numbers, reviews, routing numbers, and other info.SavvyMoney Credit Score (aka Credit Score) is now available through online and mobile banking. Credit Score is a free service offered to help you understand your current credit …Feb 26, 2024 · 3.44%. 3.50%. Dividend Rates change on a regular basis. Minimum required deposit is $300.00. Penalties will be imposed for early withdrawal. Terms of 3, 6, 9, 12, 24, 36, 48 and 60 months available. Dividends are compounded and credited monthly. All dividends and rates are subject to change. Your savings are federally insured to at least ... Neighbors Credit Union in Saint Louis, MO. We have ITM with Live Agent Drive-up available from 09:00 AM to 07:00 PM About Neighbors Credit Union Our Mission Providing awesome member experiences through innovative products, superior service and trusted advice, while strengthening our community with financial education. We are dedicated to the …Location Details. We look forward to serving you at one of our branches sometime soon. Some of our branches have bilingual representatives. Please call our Information Center to find the location near you. Para mas informacion comuniquese con nosotros al 636-728-3333 o 1-800-767-8880. Credit cards are great for convenience, accepted just about anywhere, and give you the freedom to make purchases when you want. However, at St. Louis Community, we believe we offer the best array of credit card options for your particular situation, each with exceptional features. You’ll also have the ability to go online to check account ... 7224 Gravois Ave. St. Louis, MO 63116. Fax: (314) 481-679. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time.Find out what works well at St. Louis Community Credit Union from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team’s work-life balance. Uncover why St. Louis Community Credit Union is the best company for you.Peer-to-Peer (P2P) Payments. CO-OP Locator. Bill Pay. Purchase Rewards. Mobile Deposit. Skip-a-Pay. Our highly-rated app ». A trusted financial partner helping its members achieve their financial goals and live their best life. Open your account today!With the app, you can experience banking at your fingertips. Check your St. Louis Community CU account balances and recent transactions, transfer funds between …South County - Credit Union Center Branch. 4566 Lemay Ferry Road St Louis, MO 63129. Open Today: 9:00 am - 5:00 pm. Learn More. Payment by Electronic ACH from a checking account at any financial institution: No charge. Payment by Debit Card: $4.95 per payment. Our secure online system is available for members to make loan payments to their SLCCU loans using an account at another financial institution. If you would like to transfer funds from your SLCCU account to your ... 4435 Chippewa St. St. Louis, MO 63116. Fax: (314) 771-3438. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time.First Community is always a good choice. So is Alliance, Vantage, and St Louis Community. Not many bad Credit Unions tbh. Personally, would recommend Together CU. My dad opened me a First Community Credit Union account either right before or after I was born. I've been with them since! Property insurance will be required and flood insurance where necessary. Consult a tax advisor regarding tax deductibility. Refinancing available from other institutions only. St. Louis Community Credit Union’s NMLS ID# 616755. 2 Applies to new credit lines of $25,000 or more and excludes appraisal if required. Find out what loan rates are available from St. Louis Community Credit union for various loan types we offer to our members. Home; Skip to main content; Skip to footer; Download Acrobat Reader 5.0 or higher to view .pdf files. Membership; Make a Payment; Contact Us; Locations; 314-534-7610;St. Louis Community Credit Union is proud to support the St. Louis Public Schools Foundation’s Learn and Earn Program. The goal of Learn and Earn is… Shared by Kirk Mills, CFASt. Louis Community Credit Union has $300 million in assets, approximately 200 employees and 17 offices. A CDFI, the credit union’s primary FOM is low- to moderate-income consumers with an average credit score 580-600. To serve that membership, Adams said SLCCU isn’t primarily focused on specific products. Instead, …SCU helps with all your financial needs - checking, savings, home and auto loans, investing - a not-for-profit, member-owned cooperative with 24 locations and 30,000+ ATMs in MO and ILSt. Louis Community Credit Union was chartered on Jan. 1, 1942. Headquartered in St. Louis, MO, it has assets in the amount of $233,429,952. Its 48,933 members are served from 11 locations. Deposits in St. Louis Community Credit Union are insured by NCUA. Membership Eligibility.One-time Payment by Phone. You can transfer your loan payment from your First Community account by phone using our Express24 Information Line at 636-728-3300 or 800-843-0769. You will need your account number, PIN and loan suffix. Or you can speak to a representative in our Information Center at (636)728-3333 or 800-767-8880.Academic, Career, and Transfer Advising strives to provide comprehensive services and support that every student needs to realize and achieve their goals and dreams. Schedule Appointment with Student Success Advisor. Mondays - Thursdays from 8 a.m.-6 p.m. Fridays from 9 a.m.-4:30 p.m.3.44%. 3.50%. Dividend Rates change on a regular basis. Minimum required deposit is $300.00. Penalties will be imposed for early withdrawal. Terms of 3, 6, 9, 12, 24, 36, 48 and 60 months available. Dividends are compounded and credited monthly. All dividends and rates are subject to change. Your savings are federally insured to at least ...3412 N. Union Blvd. St. Louis, MO 63115. Fax: (314) 389-2568. Learn more: gatewayslccu.com. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time.Find out what works well at St. Louis Community Credit Union from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team’s work-life balance. Uncover why St. Louis Community Credit Union is the best company for you.College Cashback Checking. Free checking account for students ages 18 to 25. 5 free transactions per month at non-First Community ATMs *. 1.00% cash back on debit card purchases **. Learn More. Access your accounts, make payments, and manage your finances online with St. Louis Community Credit Union. Enroll now or sign in to enjoy online banking services, mobile deposit, ATM service, and more. We’re looking for dynamic people to be part of our caring team. If you have a great work ethic, motivation to excel and a desire to serve, we want to speak with you! We’re conducting open, in-person interviews on: Thursday, May 9 • 9:30 a.m. to 1:30 p.m. St. Louis Community Credit Union – St. John Branch. 2808 Endicott Ave. About First Community. First Community is one of the largest credit unions in Missouri and among the Top 10 financial institutions in the region. Our membership continues to grow as we fulfill our mission to provide quality products and affordable financial services; as we’ve done for over 85 years. We are a cooperative, owned and operated by ...Boat, RV & Motorcycle Loans. Explore the St. Louis area in the vehicle of your choice. Loans for boats, ATVs, RVs, campers and more. Competitive rates and terms based on your budget. Learn More.With the app, you can experience banking at your fingertips. Check your St. Louis Community CU account balances and recent transactions, transfer funds between …ST. LOUIS COMMUNITY CREDIT UNION. Florissant Branch. 1250 Graham Road Florissant, MO 63031; Open Today: 9:00 am - 6:00 pm. Learn More. TOGETHER CREDIT UNION. Florissant Branch. 1075 N Highway 67 Florissant, MO 63031; Open Today: 9:00 am - 6:00 pm. Learn More. VANTAGE CREDIT UNION. Greenway Chase Branch. Property insurance will be required and flood insurance where necessary. Consult a tax advisor regarding tax deductibility. Refinancing available from other institutions only. St. Louis Community Credit Union’s NMLS ID# 616755. 2 Applies to new credit lines of $25,000 or more and excludes appraisal if required. Overview. Established in 1939, Together Credit Union proudly calls St Louis, Missouri home. For over 85 years, Together CU has been a trusted financial partner, boasting a network of 25 branches and 28 ATMs across the country.. As the 2 nd largest credit union in Missouri Together Credit Union stewards over $2.4 Billion in assets and proudly serves … According to the NCUA, St. Louis Community Credit Union has 2,505 active Money Market accounts totaling $72,773,712 held by members. Share Certificates (CDs) - Start earning more with low-minimum balance share certificates. According to the NCUA, St. Louis Community Credit Union has 1,530 active Share Certificates held by members. Overview Established in 1942, St. Louis Community Credit Union is headquartered in St Louis, Missouri. Network: 15 branches and 11 ATMs.; Financial Strength: Stewards over …St. Louis Community Credit Union was chartered on Jan. 1, 1942. Headquartered in St. Louis, MO, it has assets in the amount of $233,429,952. Its 48,933 members are served from 11 locations. Deposits in St. Louis Community Credit Union are insured by NCUA. Membership Eligibility.Apply for the SCU St. Louis BLUES CREDIT CARD (if you don’t already have one) Use your credit card to to purchase 2024-2025 Blues season tickets by June 20, 2024. Ten (10) winners will win $500* CASH! *Valid on new or existing card holders. Must purchase St. Louis Blues 2024-2025 season tickets using the Scott Credit Union Blues credit card ... ATM Service. Find an ATM. Example: 3651 Forest Park Ave. St. Louis MO 63108. Refine your search. St Louis Community branch locations, Shared Branch locations link, and Find an ATM link. We have partnered with St. Louis Community Credit Union (SLCCU), in collaboration with the Small Business Empowerment Center (SBEC), to fund qualified entities operating within the City of St. Louis. In alignment with SLDC’s Economic Justice Action Plan , special emphasis will be placed on financing for qualified entities located in and/or ...St. Louis Community Credit Union Response 05/03/2023 St Louis Community Credit Union (SLCCU) exist to increase the standard of living and better the lifestyle of our members.Personal loans can be acquired for almost any need. Updating your appliances, going on a vacation, securing emergency funds for home repairs or medical expenses — we have you covered. Whether you have A+ credit or are working to improve your credit score, we are proud to offer creative solutions for all members at any stage in life. Loan ...According to FDIC data, only 23 out of 5,400 insured financial institutions in the United States were owned and operated by Black people as of 2018. The number of Black-owned banks in America has ...Find out what works well at St. Louis Community Credit Union from the people who know best. Get the inside scoop on jobs, salaries, top office locations, and CEO insights. Compare pay for popular roles and read about the team’s work-life balance. Uncover why St. Louis Community Credit Union is the best company for you.Loan solutions to fit your needs. Whatever your borrowing need – for a car, home, personal or emergency expenses – St. Louis Community has a solution for you! We’re committed … In 2012, St. Louis Community Credit Union announced plans to save Gateway by purchasing the existing land. With the help of additional funding from a Community Development Block Grant, as well as support from the City of St. Louis, Stifel Bank & Trust, the St. Louis City NAACP, TIAA Direct and others, St. Louis Community Credit Union is building a new state-of-the art facility on the original ... 3651 Forest Park Ave. St. Louis, MO 63108. Fax: (314) 533-5996. This branch is closed for construction until further notice. Please visit our Southtown, Gateway or Richmond Heights locations for your banking needs. HOURS: Monday. 9:00 a.m. to 5:00 p.m. Tuesday. Information about the St. Louis Community Credit Union is available at Stlouiscommunity.com. For more information on preferred banking services, please contact the Treasury Office at 314-935-7750. CustomGifts.efollett.com offers staff & faculty a broad selection of customized gifts and apparel. Visit their website to browse or request a …If you are a current member needing assistance with your account, you may use our Live Chat service or email us securely by logging into your online banking and selecting 'Support' in the upper right hand side. Name. E-mail. Phone. Questions.In my capacity as Vice President of Community Development, I am responsible for establishing and maintaining relationships that fund, support, and position St. Louis Community Credit Union as a ...To access the St. Louis Community Credit Union mobile banking app, you must be an SLCCU member. You can get the app by either (1) doing so from your mobile device by …St. Louis Community Credit Union received a refund in the amount of $7,302.05 to an account that was for ***** ***** but the account number, social security number and name did not match.Search for "St Louis Community Credit Union. What to Expect Access to the current Online Banking through SLCCU's website (browser access) will be available through January 2020. You can begin to enroll in the new Online Banking platform as early as (TIME TO COME) a.m. on Dec. 5, 2019. Access our step-by-step guide to Online Banking and …St. Louis Community College is committed to expanding minds and changing lives by offering high-quality college education. This is why STLCC is one of the top St. Louis colleges. Visit us or apply online today.St. Louis Community Credit Union. Chartered in 1942, St. Louis Community Credit Union has been providing financial services the St Louis, MO community for over 82 years. South City Branch. 7224 Gravois Avenue, St Louis, MO 63116 (314) 534-7610. Contact & Hours Online Banking
Request deletion of your digital banking data. Please send an email to: [email protected]. Lost or Stolen Mastercard® Debit Card. During business hours: 314-534-7610. Nights and weekends: 888-241-2510. Visa Credit Card 24-hour Cardmember Service. 800-558-3424. Lost or Stolen VISA® Gift Card. 877-283-1860. . Godpeople
Chartered in 1942, St. Louis Community Credit Union has been providing financial services the St Louis, MO community for over 82 years. Gateway Branch. 3412 N Union Boulevard, St Louis, MO 63115 (314) 534-7610. Contact & Hours Online Banking.In my capacity as Vice President of Community Development, I am responsible for establishing and maintaining relationships that fund, support, and position St. Louis Community Credit Union as a ...First Community is a not-for-profit financial cooperative, owned and operated by its members. We have $4 billion in assets with over 40 branches and 390,000+ members, serving all of St. Louis ...Explore the comprehensive Financial Performance Report (FPR) for St. Louis Community Credit Union.This in-depth financial statement offers a condensed overview of the credit union's financial position, based on data from the 4th Quarter of 2023 NCUA Call Report (NCUA 5300 Report). From assets and liabilities to income and expenses, our financial …Additional Services. At First Community, we want to offer you more than excellent deposit accounts and loans. We want to be the hub for all of your financial and banking needs — so we offer several additional services to make your life easier. Please visit us or contact us if we can be of further assistance.281082423 US Routing Number. The routing number 281082423 was issued by ST. LOUIS COMMUNITY CREDIT UNION in ST LOUIS, Missouri (MO). ST. LOUIS COMMUNITY CREDIT UNION. This code indicates the ABA number to be used to route ACH items to the RFI. List of US routing numbers for ST. LOUIS COMMUNITY CREDIT …Careers. Join us! We are looking to fill openings at multiple locations and will have Open Interviews on the following dates. Wednesday, April 24th from 9:00am-11:00am at our Chesterfield Corporate Office – 17151 Chesterfield Airport Road, Chesterfield, MO 63005. Saturday, May 18th from 9:00am-11:00am at our Chesterfield Corporate Office ...Some of our staff volunteered at the St. Louis Area Foodbank this week and processed 15,538 meals for hungry families in our community! Crushing it #CommittedToTheCommunity #CUgivebackMar 28, 2024. The St. Louis Blues and First Community Credit Union today announced a significant expansion of their corporate partnership with a multi-year renewal agreement that elevates St ...Specialties: Established in 1942, St. Louis Community Credit Union is a full-service financial institution, serving members who live or work in the City of St. Louis and St. Louis County in Missouri, and St. Clair, Madison, Monroe, and Jersey Counties in Illinois. Established in 1942. Personal loans can be acquired for almost any need. Updating your appliances, going on a vacation, securing emergency funds for home repairs or medical expenses — we have you covered. Whether you have A+ credit or are working to improve your credit score, we are proud to offer creative solutions for all members at any stage in life. Loan ... Chartered in 1942, St. Louis Community Credit Union has been providing financial services the St Louis, MO community for over 82 years. Gateway Branch. 3412 N Union Boulevard, St Louis, MO 63115 (314) 534-7610. Contact & Hours Online Banking.7350 Olive Blvd. University City, MO 63130. Fax: (314) 721-4424. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time. 3412 N. Union Blvd. St. Louis, MO 63115. Fax: (314) 389-2568. Learn more: gatewayslccu.com. Drive-thrus are generally open during regular business hours. Please understand that we may restrict our lobby access from time to time. Please send an email to: [email protected]. Lost or Stolen Mastercard® Debit Card. During business hours: 314-534-7610. Nights and weekends: 888-241-2510. Visa Credit Card 24-hour Cardmember Service. 800-558-3424. Lost or Stolen VISA® Gift Card. 877-283-1860. BALANCE Financial Fitness Program. SCU helps with all your financial needs - checking, savings, home and auto loans, investing - a not-for-profit, member-owned cooperative with 24 locations and 30,000+ ATMs in MO and IL.