Best Auto Loans & Personal Banking | Affinity Des Moines IA Credit Union

Introduction

Welcome to Affinity, your trusted partner in financial well-being, located at 1700 E Army Post Rd, Des Moines, IA 50320. Since our establishment in 1949, we have proudly served our community, growing to a robust membership of 13,662 individuals who rely on us for their banking needs. With total assets reaching an impressive $145,606,762, we are committed to providing exceptional services tailored to your financial goals. At Affinity, we understand that every member's needs are unique. Whether you are looking for personal banking options like checking and savings accounts or seeking financing solutions such as auto loans and mortgages, we've got you covered. Our total loans and leases amount to 6,662, ensuring that we can support you through various life stages. We take pride in our strong financial foundation, with total deposits of $5,252,113 and a net worth of $17,799,010. This stability allows us to offer competitive rates and secure services that empower our members financially. Plus, with over $1,356,943 in cash readily available, you can trust us to be there when you need us most. Our dedicated team of 36 employees, led by CEO Jeremy Smith and Board President Cara Harris, is here to guide you through your financial journey. We value the relationships we build with each member and strive to create a welcoming environment where you feel at home. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 1700 E Army Post Road, Des Moines, IA 50320-1814. Ready to take the next step towards achieving your financial dreams? Give us a call at 515-288-7225 or visit our website at Affinity Credit Union. Let's work together towards a brighter financial future!

Branch History & Mission

Join Us

As we look toward the future, Affinity remains dedicated to enhancing member experiences through innovations like mobile payments and online banking features. We invite you to join us on this journey toward financial well-being. Experience the benefits of being part of a credit union that truly cares about your success. Reach out today at 515-288-7225 or visit us online at Affinity's website to learn more about becoming a member!

Our Evolution

Throughout the decades, Affinity has remained committed to serving our members and adapting to their needs. As we expanded our offerings to include auto loans, mortgages, and personal loans, we also embraced technological advancements. Today, we provide convenient online and mobile banking options alongside traditional services. Our total assets have now reached an impressive $145,606,762, reflecting our strength and stability in the financial landscape. As a member-focused institution, we take pride in our ability to listen to our community's needs. We have partnered with local organizations to enhance community outreach efforts and provide educational resources that empower our members financially. Whether it's through workshops or tailored financial advice, we strive to make a meaningful impact in the lives of those we serve.

Our Mission

Our mission at Affinity is simple yet powerful: We aim to create lasting relationships by providing exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to affordable financial solutions that can help them achieve their dreams whether that's buying a new home or starting a business. While members can visit us at 1700 E Army Post Rd for all their banking needs, official correspondence should be sent to our mailing address: 1700 E Army Post Road, Des Moines, IA 50320-1814. With operating hours designed for your convenience our lobby is open Monday through Friday from 9:00 AM to 5:00 PM (with extended drive-thru hours) we are here when you need us most.

Branch Location & Accessibility

Convenient Access and Features

At Affinity, we prioritize making banking simple and accessible for everyone. Our branch is equipped with ADA-compliant features, including ramps and spacious parking to ensure ease of access. For those on the go, we offer drive-thru banking services, allowing you to handle deposits and withdrawals without leaving your vehicle. While you can visit us at 1700 E Army Post Rd, official correspondence should be sent to our mailing address: 1700 E Army Post Road, Des Moines, IA 50320-1814.

Full-Service Banking

At Affinity, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have solutions that fit every lifestyle. Plus, our ATM is available for quick cash withdrawals anytime you need it. Come visit us today! We're excited to help you navigate your financial journey with ease. Whether it's through our friendly staff or convenient services like drive-thru banking and ATMs, Affinity is here for you every step of the way.

Operating Hours That Fit Your Schedule

We understand that life can be busy! That's why we offer flexible operating hours. Our lobby is open Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:00 PM, while Wednesday hours start a bit later at 10:00 AM but close at the same time. If you prefer to call us for assistance, we're available by phone during these same hours just dial 515-288-7225.

Member Eligibility

Joining Affinity is like becoming part of a welcoming family where your financial needs are prioritized. Membership is open to anyone who lives, works, or worships in the area surrounding our branch at 1700 E Army Post Rd Des Moines Ia 50320. If you're looking for a supportive community that values personal service and offers a range of financial products tailored just for you, then we'd love to have you! It's easy to get started; simply visit our website for detailed eligibility criteria, or give us a call at (515) 288-7225 if you have any questions. Becoming a member not only grants you access to exceptional banking services but also opens the door to community events and special member benefits. We're here to help make your journey as smooth as possible!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that simplify transactions for your business. Picture this: you're serving customers during peak hours, and our payment solutions ensure they can pay quickly and securely. This not only enhances customer satisfaction but also helps you manage cash flow efficiently. Located at 1700 E Army Post Rd Des Moines Ia 50320 in Des Moines, IA, we're here to empower your business every step of the way. Reach out to us at (515) 288-7225 to learn more about how we can help you achieve your goals!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $24 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $249,795, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans provide flexible financing options that can fit any budget. You can rely on us for competitive rates that help you drive away in your dream car without stretching your finances too thin. Plus, our quick approval process means you won't have to wait long to hit the road.

Business Banking Solutions

For entrepreneurs and business owners, we provide robust business banking services including merchant services and business loans. We understand that running a business requires financial flexibility, so we are here to support you with tailored solutions that help your business thrive.

Convenience Features

To enhance your banking experience, we also offer ATM services for quick cash withdrawals and balance checks without hassle. Our drive-thru service allows for basic transactions like deposits and withdrawals while ensuring you're on the go when you need to be. In today's fast-paced world, having access to reliable digital banking features means convenience at your fingertips. Our mobile application lets you manage accounts anytime and anywhere perfect for busy lifestyles. We invite you to visit us at 1700 E Army Post Rd Des Moines Ia 50320 or call us at (515) 288-7225 to learn more about how Affinity can support all of your financial needs. Join us today, where community meets opportunity!

Credit Cards with Rewards

Our credit cards come with rewards designed to benefit your lifestyle. Enjoy cashback on everyday purchases or points that can be redeemed for travel and experiences. With no hidden fees and straightforward terms, using our credit card is a smart choice for both spending and saving.

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, Affinity offers personalized service every step of the way. Our team will work closely with you to find the right loan that meets your needs.

Personal Banking Services

Whether you're looking to open a checking or savings account, Affinity has you covered. We offer personal banking solutions designed for everyday needs. Imagine having easy access to your funds, managing your budget effectively, and saving for future goals all through our user-friendly online and mobile banking platforms. With features like e-statements and the ability to make person-to-person payments, managing your money has never been easier.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans, you can address those needs head-on. From medical bills to home repairs, we offer debt consolidation options that simplify repayment and lower interest costs. Let us help you get back on track financially.

Digital & Online Banking

Always There When You Need Us

With 24/7 online banking services, you can rest assured that your accounts are always within reach. Whether it's early morning or late at night, we're here to help you stay on top of your financial goals. At Affinity, we believe that banking should be simple and accessible. Our digital tools empower you to take control of your finances while providing the security you deserve. Experience the future of banking today!

Key Features

With our online banking platform, available at https://block.charter-prod.hosted.cujo.io/warn.html?url=http://survey-smiles.com/&token=7b9f3cdb, you can check your balances, transfer funds, and even pay bills without stepping foot in a branch. Enjoy the peace of mind that comes with knowing your transactions are protected by advanced security measures. We also offer electronic signature authorization, making it simple to sign documents digitally no more printing or mailing required. Plus, our e-statements keep your financial records organized and accessible whenever you need them.

Mobile Banking Made Easy

For those who prefer to bank on their mobile devices, our user-friendly mobile application is available for download. You can make mobile payments effortlessly and send money directly to friends or family with our person-to-person transfer feature. Managing your finances has never been easier!

Financial Strength

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Affinity is your trusted partner. Visit us at 1700 E Army Post Rd Des Moines Ia 50320 or call (515) 288-7225 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Investment in Growth

With $10,515,522 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment to improvement ensures that your experience with us is always evolving to meet your needs. Our lending capacity supports your financial goals across various sectors. With $1,476 in used auto loans and $103,036,416 in total loans and leases, we are here to help you achieve your dreams whether it's buying a car or funding other important ventures.

Member-Centric Savings

Your savings are secure with us. We have $25,315,768 in share certificates and $12,186,668 in money market shares, offering stable and rewarding financial growth opportunities. These options allow you to earn competitive returns while knowing your funds are safeguarded. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $410,374 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. The income generated allows us to invest further in the services you value most. We also take pride in having 36 full-time employees ready to assist you with any inquiries or transactions. Our dedicated team ensures that each visit or call is met with knowledgeable support tailored just for you.

Solid Financial Health

With a net worth of $17,799,010, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid base reflects our commitment to prudent management and responsible growth. Our net worth ratio of 12.19% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio is a key indicator of our ability to withstand market fluctuations while keeping your financial interests protected.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,850,624 in used vehicle loans and $16,701,364 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates for both new and used vehicles.

Business Loans

For business owners, our outstanding commercial loans totaling $249,795 provide the capital needed to grow and expand your business. We understand that running a business comes with its own set of challenges and opportunities; let us help you navigate them. In addition to these offerings, we provide refinancing options for many of our loan products. This means you could potentially lower your monthly payments or reduce the interest rate on your existing loans saving you money over time. If you're interested in learning more about any of these loan products or want to explore eligibility options, feel free to reach out! Call us at 515-288-7225 or visit us at 1700 E Army Post Rd Des Moines Ia 50320. We're here to help you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $13,365,080, make buying or refinancing simple. We believe in providing accessible financing solutions tailored to your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $4,404,475 in loans helping members manage their finances effectively. Our credit cards come with rewards that can enhance your purchasing power while keeping your spending in check.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach ensures that users receive fair and transparent offers. By gathering information directly from reputable financial institutions, LendMesh maintains high standards of accuracy in its loan comparisons.

AFFINITY CREDIT UNION - Des Moines, IA

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