Community Choice Des Moines IA Credit Union

Introduction

Welcome to Community Choice, your trusted financial partner located at 700 Lyon St, Des Moines, IA 50309. Since our establishment in 1953, we have proudly served our community, building strong relationships with our members and fostering a sense of belonging that goes beyond banking. With over 51,000 members and $790,827,925 in total assets, we are committed to providing financial solutions that help you achieve your dreams. At Community Choice, we understand the importance of trust and reliability. That's why we offer a range of services tailored to meet your needs from loans to savings options all designed with you in mind. Our team is dedicated to ensuring you feel supported every step of the way. While members can visit us at our branch for personalized service, official correspondence should be sent to our mailing address: 700 Lyon St, Des Moines, IA 50309-5457. If you have any questions or need assistance, don't hesitate to reach out! You can contact us at (515) 243-0994 or send a fax to (515) 334-8150. Under the leadership of our CEO Josh Cook and Board President Randy Dickey, Community Choice continues to thrive as a member-focused credit union. We take pride in maintaining a strong net worth of $97,286,239, ensuring your money is secure with us. Our commitment to the community is reflected not just in our financial health but also in our dedication to enhancing the lives of those we serve. Join us today and discover the difference that comes from being part of a credit union that truly cares about its members. Visit our website at Community Choice for more information or stop by the branch we'd love to see you!

Branch History & Mission

Community Engagement

Our commitment extends beyond financial services. We actively engage with the community through partnerships and outreach programs designed to make a real impact. Whether it's sponsoring local events or supporting educational initiatives, we strive to give back to the neighborhoods that have supported us throughout our journey. As part of our ongoing dedication to service excellence, we encourage potential members to explore what Community Choice has to offer. Join us today and experience firsthand how we can help you achieve your financial goals while making a positive difference in your community. For any questions or assistance, feel free to reach out at 515-243-0994 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 12 PM. We look forward to welcoming you!

Our Mission

At Community Choice, our mission is simple yet profound: to empower our members with financial tools and resources that foster growth and stability. We believe in providing not just excellent banking services but also supporting community initiatives that uplift those around us. Our team works tirelessly to ensure that every member feels valued and supported in their financial journey. We understand that the world is changing rapidly. That's why we've embraced digital advancements to make banking more convenient than ever before. With features like online banking, mobile payments, and e-statements, we are dedicated to meeting the needs of our members today while remaining compliant with ADA standards for accessibility.

Branch Location & Accessibility

Welcome to the Community Choice branch located at 700 Lyon St, in the heart of Des Moines, Iowa! Our branch is perfectly situated for easy access, making your banking experience smooth and convenient. Whether you're a longtime member or new to our community, we invite you to stop by and see what we have to offer. While our physical location is at 700 Lyon St, please note that any official correspondence should be sent to the same address. Our branch is easily accessible, with ample parking available nearby and features designed for everyone's comfort, including ADA-compliant entrances. You'll find us just a short distance from popular local spots like the Iowa State Capitol and the bustling Downtown area. It's an excellent place to visit while you run errands or enjoy a day out in the city. Our operating hours are designed to fit your busy schedule. We're open Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 12 PM, allowing you plenty of time to take care of your banking needs. Although we do not have drive-thru services or ATMs at this location, our friendly staff is here to assist you with all your financial questions and transactions inside the branch. If you have any inquiries or need assistance before your visit, don't hesitate to give us a call at 515-243-0994. We look forward to welcoming you soon at Community Choice!

Member Eligibility

Joining the Community Choice family is more than just opening an account; it's about becoming part of a caring community that values your financial well-being. If you're interested in becoming a member, you're in luck! At Community Choice, we welcome anyone who lives, works, or worships in certain areas, as well as their family members. This means if you have a connection to our community, you can easily access all the benefits we offer. Not only will you enjoy competitive rates and personalized service, but you'll also have a voice in how we operate. To get started on your membership journey, simply visit us at our convenient location at 700 Lyon St, Des Moines, IA 50309 or give us a call at 515-243-0994 for more details. For specific eligibility criteria, feel free to check out our website at this link to see everything you need to know. It's easy and straightforward let's work together toward your financial goals!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

In addition to loans, we offer practical merchant services designed to simplify everyday transactions. Picture this: your customers can pay easily with their preferred methods while you manage sales effortlessly. Our solutions make it easy for you to focus on what matters most growing your business. Located at 700 Lyon St, Des Moines, IA 50309, Community Choice is ready to partner with you on your path to success. For more information or to get started today, call us at 515-243-0994. Let's turn your business goals into achievements!

Comprehensive List Of Services

Conclusion

No matter where you are in your financial journey, Community Choice is here to provide the services and support you need. From convenient ATM access to comprehensive digital banking features, we're committed to making your banking experience as smooth as possible. Ready to explore how we can assist you further? Visit us at our website or give us a call today!

Digital Banking Features

In today's fast-paced world, convenience is essential. That's why Community Choice offers robust digital banking features that allow you to manage your finances from anywhere. You can check your account balances, transfer funds, and pay bills right from your mobile device or computer. We know life gets busy, so we've made banking easy and accessible for our members. If you're someone who prefers banking on the go, our mobile application lets you handle transactions with just a few taps on your screen. Plus, our online banking platform provides a user-friendly experience for those who prefer managing their accounts from home.

Member Support and Accessibility

Our commitment to service goes beyond just financial products; it's about creating an environment where our members feel supported and valued. If you have questions about any of our services or need assistance with your accounts, don't hesitate to reach out. You can call us at 515-243-0994 during our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 12 PM. At Community Choice, we believe in building lasting relationships with our members by offering personalized support tailored to their needs.

Personal Banking Solutions

At Community Choice, we understand that everyone has unique financial needs. That's why we offer various services designed to help you manage your money effectively. One of our key offerings is ATM Services Only. This means that while we focus on providing top-notch ATM services, you can easily access cash when you need it, without any hassle. Imagine you're out shopping or running errands in Des Moines and suddenly realize you need cash for a quick purchase. Our ATM services ensure that you're never left without options. With ATMs conveniently located throughout the area, withdrawing cash is quick and easy.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.ccu.org/ , accessing your accounts has never been easier. Whether you're checking your balance, transferring funds, or paying bills, you can do it all from the comfort of your home or on the go. Plus, our user-friendly interface makes navigation a breeze!

Mobile App and Payments

Stay in control with our mobile application. You can manage your accounts right from your smartphone perfect for busy lifestyles! Need to make a quick payment? Our mobile payments feature allows you to send and receive money effortlessly.

Person-to-Person Transfers

Want to split the bill with friends or send money to family? Our person-to-person transfer service makes it simple and quick. No more hassle; just a few taps on your device, and you're done! In today's fast-paced world, having the right tools at your fingertips is essential. That's why Community Choice is committed to providing an online banking experience that offers convenience, security, and real-time account management. Join us today and explore how our digital banking services can enhance your financial journey!

Secure Transactions

Your security is our top priority. With electronic signature authorization available, you can complete transactions safely without needing to visit a branch. We also provide e-statements for easy access to your financial information while helping you reduce paper clutter.

Financial Strength

Commitment to Growth

With $63,061,871 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our capacity to lend is significant; with $9,941 in used auto loans and $654,935,950 in total loans and leases available for our members' needs.

Growing Member Base

Total Share and Deposit Accounts stand at 100,557, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $2,716,251, highlighting our ability to support your aspirations. 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 700 Lyon St Des Moines IA 50309 or call 515-243-0994 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

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.

Operational Efficiency

Our net income of $5,519,713 reflects our operational efficiency. This enables 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 team committed to your success.

Solid 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 12.30% 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. We have already issued over $140,433,471 in used vehicle loans and $33,359,909 in new vehicle loans to help our members get on the road with confidence. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have flexible terms that suit your budget.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $111,486,774 provide the capital needed to expand operations and invest in new ventures. We recognize the importance of supporting local businesses and are here to assist you with tailored financing solutions. At Community Choice Credit Union, we prioritize making financial services accessible and straightforward. Our friendly staff is available to discuss any questions you may have about our loan offerings or the application process. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to take the next step towards achieving your financial dreams or need more information on refinancing options or eligibility criteria, 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 $87,583,578, making buying or refinancing simple. We offer competitive rates and terms that can help you navigate the path to owning your own home. If you're considering refinancing your current mortgage, our team is ready to assist you with various eligibility options tailored to meet your needs.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $32,922,063 in loans helping members manage their finances effectively. These cards can be an excellent way to handle everyday purchases or emergencies without tying up your savings.

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 ensures that all offers displayed are fair and transparent, allowing users to trust the information they receive while exploring their financing options.

COMMUNITY CHOICE CREDIT UNION