Community Choice Ames IA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Community Choice, your trusted partner in financial wellness located at 212 E Lincoln Way, Ames, IA 50010. Established in 1953, we have proudly served our community for decades, helping over 51,000 members achieve their financial goals. With total assets exceeding $790 million, our commitment to providing exceptional services is as strong as ever. At Community Choice, we offer a range of personal and business banking options, including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. Our focus is on empowering members with tools that enhance their financial journey. For instance, we currently manage a robust portfolio of 34,234 loans, totaling nearly $342 million in loans and leases. This demonstrates our unwavering dedication to supporting you every step of the way. Our leadership team, headed by CEO Josh Cook and Board President Randy Dickey, prioritizes member satisfaction and community impact. With a passionate staff of 177 employees, we strive to create a welcoming environment where you can feel confident in making financial decisions. We are here to guide you through every transaction from simple deposits at our drive-thru to complex mortgage financing. While members can visit us at 212 E Lincoln Way, official correspondence should be sent to the same address for your convenience. We invite you to explore our website at Community Choice for more information about our services or to get in touch with us directly at (515) 233-1526. Come by today and discover how we can help you thrive financially!

Branch History & Mission

Commitment to Accessibility

We understand the importance of accessibility in banking. That's why we are proud to offer an ATM on-site for quick cash withdrawals and balance checks, along with drive-thru banking services for your convenience. We strive to ensure that all members can easily access their accounts through online and mobile banking platforms. As we look toward the future, Community Choice remains committed to enhancing our services and expanding our outreach within Ames and beyond. Join us today and experience firsthand the benefits of being part of a community-focused credit union dedicated to your success! Visit us online at Community Choice for more information or to become a member today.

Our Evolution

Over the years, Community Choice has consistently evolved to meet the needs of our members. We have expanded our services and embraced advancements in technology to provide convenient banking options. Today, we offer personal banking solutions including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. With total assets amounting to over $790 million, we are well-equipped to help our members navigate their financial journeys.

Our Mission

At the heart of Community Choice is our mission: to empower our members through exceptional financial services while fostering a sense of community support. We believe that everyone deserves access to quality banking products that can enhance their lives. This mission drives us to engage in various outreach efforts, ensuring we not only serve as a financial institution but also as a cornerstone of support for local initiatives and charities. While members can visit us at 212 E Lincoln Way for all their banking needs, official correspondence should be directed to the same address. We encourage you to reach out with any questions or inquiries by calling us at 515-233-1526.

Branch Location & Accessibility

Operating Hours

We understand that your time is valuable. That's why we offer flexible operating hours for your convenience. Our lobby is open from 9 AM to 5 PM, Monday through Friday, while our drive-thru service operates from 9 AM to 12 PM on Saturdays. Whether you prefer visiting us in person or using our drive-thru services for quick transactions like deposits and withdrawals, we're here to assist you.

Services Offered

At Community Choice, we offer a wide range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we strive to make financial management simple. Enjoy the ease of online and mobile banking as well as ATM access available at our location for quick cash withdrawals and balance checks. With a friendly team ready to help, we invite you to visit us at the Ames Branch or call us at 515-233-1526 with any questions. We look forward to serving you!

Member Eligibility

Becoming a member of Community Choice feels like joining a friendly family that genuinely cares about your financial well-being. We welcome individuals who live, work, or worship in our community, making it easy for you to connect with us. Whether you're seeking a personal banking experience, loans for your next vehicle, or simply want to save for the future, you'll find a supportive environment here at Community Choice. To learn more about the eligibility criteria and see if you qualify, feel free to check out our detailed information at . If you're ready to take the next step towards membership or have any questions, don't hesitate to give us a call at (515) 233-1526. We're located at 212 E Lincoln Way Ames Ia 50010, and we can't wait to help you start your journey with us!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we provide comprehensive merchant services that help streamline transactions for your business. Imagine being able to accept payments quickly and securely, no matter where your customers are. This means more sales opportunities and improved customer satisfaction critical factors in today's fast-paced market. If you're ready to take the next step in growing your business, visit us at 212 E Lincoln Way, Ames, IA 50010, or give us a call at 515-233-1526. Let Community Choice be your partner in success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $190 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $111,486,774, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're an entrepreneur or small business owner, our Business Banking services include merchant services and business loans designed to help you grow. We understand how vital it is for businesses to have reliable financial support, so we're here to help you navigate the options available.

Convenient Access

Accessing your funds has never been easier! With multiple ways to bank including ATM & Cash Withdrawal Services, basic drive-thru banking for deposits and withdrawals, and easy-to-use mobile payments you'll always have access when you need it most. Our Drive-Thru Hours make quick transactions convenient, allowing you to manage your banking without stepping out of your vehicle. At Community Choice, we are committed to creating a positive experience for all our members by providing reliable service and innovative tools. Whether you're visiting us in person or managing everything from the comfort of home through online banking, we're here for you every step of the way. For any questions or assistance regarding our services, don't hesitate to reach out at (515) 233-1526. Join us today and discover how we can support your financial journey!

Credit Solutions

Don't forget about making everyday purchases rewarding! Our Credit Cards with Rewards allow you to earn points or cash back on your purchases, making every transaction count towards something special.

Home Financing

For those dreaming of homeownership, we offer comprehensive Mortgage Loans & Refinancing options tailored to fit your budget. Picture yourself settling into your new home with the peace of mind that comes from knowing you've secured a great deal through our expert loan advisors.

Personal Banking

Managing your finances should be simple and straightforward. That's why we offer Personal Banking options including checking and savings accounts that help you keep track of your money effortlessly. Imagine easily transferring funds between your accounts using our user-friendly Online & Mobile Banking platform. You can monitor your spending on-the-go and even set up alerts for important transactions. When it comes time to purchase that new car, our Auto Loans & Vehicle Financing provide competitive rates to help you drive away with confidence. If you're looking to consolidate debt or make a big purchase, our Personal Loans & Debt Consolidation services can assist you in achieving those goals without overwhelming interest rates.

Digital & Online Banking

At Community Choice, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a variety of digital and online banking services designed to make managing your finances easier than ever. With just a few clicks or taps, you can access your accounts anytime, anywhere. Explore our online banking platform at https://www.ccu.org/ where you can check balances, pay bills, and transfer money with ease. Need to send money to a friend? Our person-to-person transfers make it simple to send funds quickly and securely. Plus, with our mobile application available, you can manage your accounts right from your smartphone. We prioritize your security with features like electronic signature authorization, ensuring that all your transactions are safe and verified. You can also opt for e-statements, which not only reduce paper waste but also allow for easy access to your financial documents whenever you need them. For those on the go, our mobile payments feature makes shopping quick and hassle-free. Whether you're grabbing coffee or making a big purchase, you can pay directly from your mobile device without fumbling for cash or cards. And the best part? Our 24/7 online banking services mean you're never limited by traditional banking hours. You have real-time control over your finances whenever it suits you. At Community Choice, we're committed to providing an accessible and user-friendly banking experience that fits into your life seamlessly. Join us today and take advantage of these convenient digital banking tools!

Financial Strength

Efficient Operations

Our $5,519,713 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.

Growing Member Trust

Total Share and Deposit Accounts: 100,557, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $2,716,251 further strengthen our ability to meet your needs. 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 212 E Lincoln Way Ames Ia 50010 or call (515) 233-1526 to learn more about how we can help you achieve your financial goals.

Reinvesting for Better Services

With $63,061,871 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 $9,941 in used auto loans and $654,935,950 in total loans and leases.

Secure Savings Options

Members' savings are secured through $98,413,853 in share certificates and $118,824,197 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $10,167,406, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $97,286,239, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,230 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 $140,433,471 in used vehicle loans and $33,359,909 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates that make financing your vehicle simple and straightforward.

Commercial Loans

For business owners, our outstanding commercial loans totaling $111,486,774 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and offer solutions tailored to meet those needs. At Community Choice, we aim to make borrowing as accessible as possible. If you're interested in refinancing or exploring eligibility options for any of our loan products, please don't hesitate to ask when you call or visit us. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey towards better financial health starts here with Community Choice let's take that first step together!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $87,583,578, making buying or refinancing simple. We can guide you through the process and help you find a plan that fits your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $32,922,063 in loans helping members manage their finances effectively, our credit cards are designed to fit various lifestyles and spending habits.

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 commitment to accuracy ensures that the offers you see are fair and transparent. Every lender listed meets stringent compliance guidelines, allowing users to trust that they are viewing legitimate loan options.

COMMUNITY CHOICE CREDIT UNION