Capitol View Credit Union Des Moines IA | Affordable Auto Loans & Low Mortgage Rates

Introduction

Welcome to Capitol View, your trusted financial partner located at 623 E 12th St, Des Moines, IA 50309. Since our establishment in 1944, we've been dedicated to serving our community with a personal touch and a commitment to financial well-being. With over 1,827 members and total assets exceeding $43,692,453, we pride ourselves on providing exceptional service and a wide range of financial products tailored to meet your needs. At Capitol View, we understand that each member's journey is unique. That's why we offer services such as checking and savings accounts, auto loans, mortgage financing, personal loans, and even business banking options. Our goal is to empower you to achieve your financial dreams while ensuring you feel supported every step of the way. Our leadership team is here to guide you. Under the direction of CEO Benjamin Sheridan and Board President Randal Anderson, our dedicated staff of six employees works tirelessly to maintain a welcoming environment where members can thrive. Whether you're stopping by for a quick transaction or seeking advice on complex financial matters, you'll always find a friendly face ready to assist you. While members can visit us at 623 E 12th St, official correspondence should be sent to the same address. Feel free to reach out by phone at 515-348-8350 during our operating hours from 8 AM to 5 PM, Monday through Friday. We also invite you to explore our website at capview.org for more information about our services and membership eligibility. Join us at Capitol View today where your financial future is our priority!

Branch History & Mission

Commitment to Innovation

As part of our promise to serve you better, we have embraced digital advancements that enhance your banking experience. With features like online banking, mobile payments, and e-statements available, managing your finances has never been easier. Our ATM services and drive-thru banking also ensure that you can access your funds conveniently. While members can visit us at 623 E 12th St for all their banking needs during operating hours from 8 AM to 5 PM Monday through Friday, official correspondence should be sent to the same address listed for mailing: 623 E 12th St., Des Moines, IA 50309.

Join Us Today!

Capitol View is not just a credit union; it's a community partner dedicated to your financial health. We invite you to join us today and experience firsthand the benefits of being part of an organization that truly cares about its members. Visit us online at capview.org or give us a call at 515-348-8350 to learn more about how we can help you achieve your financial goals!

Our Mission

At Capitol View, our mission is clear: we are here to empower our members through personalized financial solutions while fostering a strong sense of community. We understand that each member's journey is unique. Whether you are looking for checking and savings accounts, auto loans, or mortgage refinancing options, we strive to provide tailored solutions that fit your needs. Our focus extends beyond just banking; we believe in giving back. Through various partnerships and outreach efforts, we actively engage with local organizations and initiatives that support education, financial literacy, and overall community well-being. We want every interaction you have with us whether it's at our branch or through our online services to leave you feeling valued and understood.

Branch Location & Accessibility

A Convenient Spot for Your Banking Needs

Parking is readily available, ensuring that your visit is hassle-free. Plus, our location is fully accessible with ADA-compliant features, including ramps and designated parking spots for those who need them. Whether you're here to open a new account or just need to withdraw some cash, we strive to make your experience smooth and welcoming.

Operating Hours and Services

You can visit us during our convenient operating hours from 8 AM to 5 PM, Monday through Friday. Whether you prefer a face-to-face interaction or wish to utilize our drive-thru banking service for quick transactions, we have options that fit your schedule. At Capitol View, we offer a variety of services including personal banking accounts, auto loans, mortgage loans, and business banking solutions. For added convenience, we also provide ATM access on-site so you can make cash withdrawals or check your balance anytime during business hours. While members can visit us at 623 E 12th St, official correspondence should be sent to the same address as well: 623 E 12th St, Des Moines, IA 50309. If you have any questions or need assistance, feel free to reach out by calling us at 515-348-8350.

We Can't Wait to See You!

At Capitol View, we are dedicated to making banking easy and accessible for everyone in our community. Come by today and discover how we can help you achieve your financial goals!

Member Eligibility

At Capitol View, we believe that everyone deserves a place in our supportive community, and becoming a member is easier than you might think! If you live, work, or worship in the area, or have a family member who is already part of our credit union, you're likely eligible to join us. Our doors are open to individuals who share our values of cooperation and mutual support. As a member, you'll enjoy benefits like competitive loan rates and personalized service that puts your needs first. For more detailed information on eligibility criteria, feel free to check out our website at https://www.capview.org/accounts/membership/ . If you're ready to take the next step, opening an account with us is simple! Just give us a call at (515) 348-8350, and we'll guide you through the process. We can't wait to welcome you to Capitol View, located at 623 E 12Th St Des Moines Ia 50309!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently do not have figures for member and non-member commercial loans, we are dedicated to providing flexible financing solutions that cater to your specific needs. Imagine securing a loan that allows you to invest in new equipment, expand your workforce, or even open a new location. With the right support, your business can thrive.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Picture this: you're at a bustling market and need to accept payments on the go. Our merchant services enable you to do just that quickly and securely ensuring you never miss a sale. This means more time focusing on what you love: growing your business and serving your customers. If you're ready to take the next step in enhancing your business operations, visit us at 623 E 12Th St Des Moines Ia 50309 in Des Moines, IA, or call us at (515) 348-8350. Together, let's create a path toward success!

Comprehensive List Of Services

Additional Services

For quick transactions, our basic drive-thru banking lets you handle deposits and withdrawals without leaving your car. If you're in need of cash but prefer not to enter the branch, our basic ATM access allows for easy withdrawals and balance checks. At Capitol View, we are committed to making banking simple and straightforward for everyone in Des Moines and beyond. Our friendly staff is always ready to assist you with any questions or concerns you may have. If you're ready to explore how we can help you achieve your financial goals or want more information about any of our services, don't hesitate to reach out! Call us at 515-348-8350 or visit us online at Capitol View. We look forward to serving you!

Business Banking Services

If you own a business, you know how important it is to have reliable banking support. At Capitol View, we offer comprehensive Business Banking services including merchant services and business loans. We're here to help your business thrive by providing the resources you need.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that allow you to manage your accounts anytime, anywhere. You can easily check balances, make transfers, and even pay bills right from your smartphone or computer. Plus, with features like ATM & Cash Withdrawal Services, accessing your funds has never been easier.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services like checking and savings accounts to help you keep track of your money effortlessly. Our Auto Loans & Vehicle Financing make it easier than ever to get behind the wheel of your dream car without breaking the bank. If you're thinking about buying a home, our Mortgage Loans & Refinancing options can guide you through the process smoothly. For those unexpected expenses or larger purchases, our Personal Loans & Debt Consolidation services provide flexible solutions that fit your budget. And don't forget about our Credit Cards with Rewards enjoy benefits and perks while making everyday purchases!

Digital & Online Banking

Key Features

When you visit us at https://www.capview.org/ , you'll discover a range of features that simplify your banking experience. Our 24/7 online banking services allow you to check balances, pay bills, and transfer funds at any hour perfect for those late-night budgeting sessions or early morning transactions. Need to send money to a friend? Our person-to-person transfers make it quick and easy to split a bill or share expenses without any hassle. Plus, if you're on the go, our mobile application lets you access all these features right from your smartphone.

Security and Ease of Use

Your security is our top priority. We offer electronic signature authorization, ensuring that your transactions are safe and protected. For those who prefer going paperless, we provide e-statements, so you can keep track of your finances without the clutter. Additionally, enjoy the benefits of mobile payments, which let you make purchases right from your device no need to carry cash or cards. It's all about giving you flexibility while keeping your information secure. At Capitol View, we believe banking should be accessible and user-friendly. With real-time account management at your fingertips, managing your finances has never been easier or more efficient! Whether you're at home or out and about in Des Moines, we're here to support your financial journey every step of the way.

Financial Strength

Commitment to Growth

With $5,974,843 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $364 in used auto loans and a total of $25,567,992 in loans and leases.

Member-Centric Savings Options

Members' savings are secured through $10,941,194 in share certificates and $4,269,564 in money market shares, offering stable and rewarding financial growth opportunities. 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 $602,938 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees ready to assist you with all your banking needs.

Solid Financial Health

With a net worth of $7,904,641, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,809 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built on Reliability

Total Share Accounts: 3,886, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Capitol View is your trusted partner. Visit us at 623 E 12Th St Des Moines Ia 50309 or call (515) 348-8350 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,085,926 in used vehicle loans and $1,864,521 in new vehicle loans already helping members get on the road. We provide flexible terms and fast approvals so you can drive away in your new vehicle as soon as possible.

Credit Lines

For those looking for a safety net or extra purchasing power, our total credit lines amount to $2,782,288. This feature provides you with easy access to funds when you need them most. In addition to these offerings, we encourage our members to explore refinancing options available for existing loans. If you're unsure about your eligibility or want more information about our services, feel free to visit us at Capitol View or check out our eligibility criteria here. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Capitol View, we're committed to providing comprehensive financial solutions tailored just for you. Don't hesitate to contact us today!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $4,922,565, making buying or refinancing simple. We strive to offer competitive rates and personalized service to guide you through the mortgage process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $903,222 in loans helping members manage their finances effectively. These credit cards come with rewards programs that allow you to earn points for purchases made.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of using LendMesh is its Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, there are No Sponsored Listings; LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you can trust that you're seeing the best options available without any hidden agendas. Moreover, users benefit from Real-Time Rate Comparisons, giving them access to up-to-date loan rates from multiple institutions. This feature empowers users to make informed decisions about their borrowing options. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials illustrate how effective this tool can be in achieving significant savings. To start comparing real-time loan offers today, visit LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Ensuring Accurate Loan Comparisons

LendMesh stands out due to its commitment to transparency and accuracy. The 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 ensures that users receive fair and transparent offers. By connecting with verified lenders, LendMesh guarantees that the information provided is both current and trustworthy.

CAPITOL VIEW CREDIT UNION