Community Choice Altoona IA Credit Union

Introduction

Welcome to Community Choice, your trusted partner in financial services located at 818 8Th St Sw, Altoona, IA 50009. Established in 1953, we have grown into a vibrant community hub with over 51,000 members who rely on us for their personal and business banking needs. At Community Choice, we pride ourselves on our commitment to supporting our members and the local community. With total assets reaching an impressive $812,391,535, we offer a range of financial products designed to help you achieve your goals from checking and savings accounts to auto loans and mortgages. Our members benefit from $41,166,373 in total deposits and enjoy the peace of mind that comes with our strong net worth of $99,798,771. While you can visit us at our branch for personalized service, please note that any official correspondence should be directed to the same address as our branch location: 818 8th St SW, Altoona, IA 50009. Our team of 177 employees, led by our dedicated CEO Josh Cook and Board President Randy Dickey, is here to ensure you receive excellent service tailored to your unique financial needs. Whether you're looking for personal banking solutions or business services like merchant accounts and loans, we're ready to assist you every step of the way. Feel free to explore our website at Community Choice or give us a call at 515-334-8182 for more information about how we can serve you better. We look forward to welcoming you into the Community Choice family!

Branch History & Mission

Community Choice has a rich history that dates back to its opening in 1953. Located at 818 8Th St Sw in Altoona, IA, this branch has been a cornerstone of financial support for the local community for decades. As we celebrate our journey, we proudly serve over 51,227 members and manage total assets of approximately $812 million. Over the years, Community Choice has evolved to meet the changing needs of our members while staying true to our mission: to empower our community through accessible financial services and meaningful support. We believe in putting people first providing not just banking services but also fostering growth and stability within the community. Our branch is conveniently situated near key landmarks in Altoona, making it easy for members to visit us during our operating hours from 9 AM to 5 PM on weekdays and from 9 AM to 12 PM on Saturdays. For those who prefer digital banking solutions, we offer robust online and mobile banking options along with ATM access for your convenience. Community Choice is committed to maintaining a customer-centric approach. We take pride in offering a range of services such as personal banking, auto loans, mortgages, business loans, and credit cards with rewards. Our drive-thru service ensures quick transactions while providing essential services like deposits and withdrawals. While members can visit us at our branch address for face-to-face interactions, official correspondence should be sent to our mailing address: 818 8th St SW, Altoona, IA 50009. Our commitment extends beyond financial services; we actively engage in community outreach efforts and partnerships that strengthen the bonds within Altoona. By prioritizing local initiatives and supporting various causes, we aim to create a positive impact on the lives of those around us. At Community Choice, we're more than just a credit union; we're a part of your community's fabric. Join us today and experience the benefits of being part of an organization that truly cares about your financial well-being and future! For more information or assistance, feel free to reach out at (515) 334-8182. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Convenient Access

Situated near popular landmarks, our branch is easy to find and access. You can count on ample parking right outside, making your visit quick and hassle-free. For those needing additional support, we are proud to offer ADA-compliant features including ramps and accessible entrances.

Get in Touch

Have questions or want more information? Feel free to give us a call at 515-334-8182. We look forward to welcoming you into our branch soon! While members can visit us at 818 8Th St SW, official correspondence should be sent to the same address for your convenience. Come see how Community Choice makes banking friendly and straightforward!

Operating Hours

We understand that life can be busy, which is why we have flexible hours to suit your schedule. Our lobby is open Monday through Friday from 9 AM to 5 PM, and we also welcome you on Saturdays until noon at our drive-thru service. Whether you're stopping by for a quick deposit or discussing your financial goals with one of our knowledgeable staff members, we've got you covered!

Services Offered

At Community Choice, we provide a variety of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we strive to make banking easy and accessible. Plus, with our drive-thru option, you can conduct simple transactions like deposits and withdrawals without leaving your vehicle.

Member Eligibility

Becoming a member of Community Choice is like opening the door to a welcoming community where your financial well-being matters. To join us, you'll find that eligibility is straightforward and personal. If you live, work, worship, or attend school in the areas we serve, you're already on your way to becoming part of our family! We invite everyone from various backgrounds to come and enjoy the benefits of membership, which include personalized service and access to a wide range of financial products tailored just for you. For more specific details about eligibility criteria, feel free to visit this link where you can find updated information. Once you're ready to take the next step, opening an account with us is simple and quick. You can reach out at (515) 334-8182 if you have questions or need assistance with the process. Our friendly team at 818 8Th St Sw Altoona Ia 50009 is excited to help you start your journey with Community Choice!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $194 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $116,632,840, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial support needed to launch a new product line or open a new location. Our business loans can make that dream a reality.

Merchant Services

In addition to loans, our merchant services offer practical tools that simplify payment processing for your business. Whether you run a retail store or provide services, our reliable solutions ensure you get paid quickly and securely. Picture your customers enjoying a smooth checkout experience while you manage your finances seamlessly. If you're ready to take your business to the next level, visit us at 818 8Th St Sw Altoona Ia 50009 in Altoona, IA or call us at (515) 334-8182. Let's work together to unlock your business's full potential!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, our business banking solutions include essential services such as merchant services and business loans. We understand that managing a business comes with unique challenges, so we're here to support your financial journey every step of the way.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking, allowing you to manage your accounts from anywhere. You can pay bills, transfer money, and check balances all at your fingertips. Our ATM services provide easy access to cash withdrawals and balance checks whenever you need them.

Drive-Thru and ATM Access

We also have a basic drive-thru service available for quick transactions like deposits and withdrawals. This means you can get in and out without having to leave your car! Our ATMs are conveniently located for those times when you need cash on the go.

Get Started Today!

With all these services under one roof, Community Choice is here to assist you with your financial goals. Our friendly team is ready to help answer any questions you may have about our offerings. Don't hesitate to reach out at 515-334-8182 or visit us in person at our Altoona location. Explore how we can enhance your banking experience today! For more information about our services, feel free to visit our website at www.ccu.org. Let us partner with you on your financial journey!

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts designed for everyday needs. If you're planning to buy a car, our auto loans and vehicle financing options can help you get on the road quickly. For those dreaming of homeownership or seeking to refinance their current mortgage, we provide competitive mortgage loans and refinancing services that make the process straightforward. If you find yourself juggling multiple debts, our personal loans and debt consolidation services can help streamline your finances. Plus, we offer credit cards with rewards, allowing you to earn while you spend on daily purchases.

Digital & Online Banking

Accessibility You Can Count On

We believe that banking should be accessible for everyone. That's why our online banking services are designed with ease-of-use in mind. Whether you're checking balances or transferring funds, everything is straightforward and efficient. You'll have real-time access to your account information, which empowers you to take control of your finances. At Community Choice, we are committed to providing a secure and convenient digital banking experience that meets the needs of our members. With these tools at your disposal, managing your money has never been easier!

Key Features for Your Convenience

You'll appreciate the added security we provide through features like electronic signature authorization. This means you can sign documents digitally, saving time and ensuring everything is handled securely. Plus, with e-statements available, you can easily review your financial history without the clutter of paper statements. Need to send money quickly? Our person-to-person transfer feature lets you send funds instantly to friends or family no need for cash or checks. And if you're always on the move, our mobile application ensures that all these services are right at your fingertips. You can even make mobile payments directly from your phone!

Financial Strength

Commitment to Growth

With $69,304,213 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 members' financial goals across various sectors with $9,785 in used auto loans and $670,127,820 in total loans and leases.

Growing Trust

Total Share and Deposit Accounts: 100,656, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,185,301. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community Choice is your trusted partner. Visit us at 818 8Th St Sw Altoona Ia 50009 or call (515) 334-8182 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.

Member-Focused Savings

Members' savings are secured through $103,010,414 in share certificates and $124,399,717 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $5,105,998, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $1,692,252 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 173 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $99,798,771, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,228 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $144,582,473 in used vehicle loans and $32,562,746 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates for both new and used vehicles to ensure that financing your next ride is stress-free.

Business Loans

For business owners, our outstanding commercial loans totaling $116,632,840 provide the capital needed to grow and expand. We understand that every business has unique needs and we're ready to support your growth journey through tailored lending solutions. If you're considering refinancing options or want to learn more about eligibility criteria for any of our loan products, please don't hesitate to contact us. You can reach us at (515) 334-8182 for more information. 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 Community Choice, we're committed to providing you with the tools and resources necessary for a successful financial future. Visit us today and let's explore how we can assist you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $95,006,565, make buying or refinancing simple. We work with you to understand your needs and offer solutions that fit your budget. Whether you're purchasing a home for the first time or looking to refinance an existing mortgage, we are here to guide you through every step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $31,188,407 in loans helping members manage their finances effectively. Our credit cards come with rewards and low rates so you can make purchases confidently without worrying about high-interest payments.

Loan Aggregator

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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 means you receive fair and transparent offers that reflect current market conditions. By using verified data, LendMesh ensures that all loan offers are legitimate, helping users avoid scams or misleading information.

COMMUNITY CHOICE CREDIT UNION - Altoona, IA