Community Choice Des Moines IA Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Community Choice, your trusted financial partner located at 1408 Locust St, Des Moines, IA 50309. Since our establishment in 1953, we have proudly served over 51,293 members, providing personalized financial solutions that help our community thrive. With total assets amounting to a robust $790,827,925, we are committed to ensuring your financial security and growth. At Community Choice, we understand that every member's journey is unique. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or credit cards with rewards, our dedicated team is here to assist you. We currently manage a total of 34,234 loans and leases and maintain deposits totaling $29,652,862. Our net worth stands strong at $97,286,239, showcasing our stability and dedication to our members' financial well-being. Led by our CEO Josh Cook and Board President Randy Dickey, we emphasize community involvement and member satisfaction. Our friendly staff of 177 employees is always ready to provide exceptional service during our lobby hours from 9 AM to 5 PM, Monday through Friday. While you can visit us at our branch for all your banking needs, official correspondence should be directed to the same address: 1408 Locust St, Des Moines, IA 50309. For any inquiries or assistance, feel free to reach out at (515) 334-8100 or explore more about us on our website at Community Choice. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

At Community Choice, we take pride in our rich history and commitment to serving the community. Since opening our doors in 1953, we've built a legacy of trust and support for our members in Des Moines, IA. Our branch, located at 1408 Locust St, has grown alongside the community it serves. With a total membership of over 51,000 and total assets amounting to $790,827,925, we have become an integral part of the financial landscape in Polk County. Our mission is simple yet powerful: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to reliable banking solutions tailored to their needs. This commitment drives us to offer a wide range of services, from personal banking accounts and auto loans to mortgage refinancing and business banking options. While members can visit us at our branch address, official correspondence should be sent to the same location: 1408 Locust St, Des Moines, IA 50309. We are proud to operate with accessibility in mind; our facility is ADA compliant and features an ATM for your convenience. Over the years, we have embraced technology to enhance member experience. Our online and mobile banking platforms allow you to manage your finances anytime and anywhere. Whether it's checking balances or making payments through person-to-person transfers, we strive to make banking easy and efficient. Community Choice actively engages with local organizations through various outreach efforts. We partner with schools, charities, and other nonprofits to strengthen our ties with the community. Our goal is not just to provide financial services but also to uplift those around us through meaningful initiatives. As we look forward to the future, we invite you to join our growing family at Community Choice. Experience firsthand how we can help you achieve your financial goals while supporting your community. Stop by today or give us a call at 515-334-8100 during our operating hours from Monday to Friday, 9 AM to 5 PM. Together, let's build a brighter future!

Branch Location & Accessibility

Comprehensive Banking Services

At Community Choice, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we're here to help you achieve your financial goals. And if you prefer online banking or mobile payments, we've got you covered with convenient digital options. We invite you to stop by our Locust Experience Center today! Our friendly staff is eager to assist you with any questions or services you may need. Come see how Community Choice can make banking easier for you!

Convenient Access and Features

At Community Choice, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features, including ramps for easy entry. Plus, parking is available nearby, so you won't have to worry about finding a spot. If you're looking for quick access to cash, we have an ATM on-site that allows you to withdraw funds or check your balance without any hassle. While members can visit us at 1408 Locust St, official correspondence should be sent to the same address.

Operating Hours That Fit Your Schedule

Our dedicated team is here to serve you Monday through Friday from 9 AM to 5 PM. We understand that life can get busy, which is why we strive to provide flexible hours that work with your schedule. If you need assistance outside of these hours, feel free to reach out to us at 515-334-8100.

Member Eligibility

At Community Choice, we believe that everyone deserves access to a supportive financial community. Becoming a member is easy and welcoming! If you live, work, worship, or attend school in Polk County or surrounding areas, you're likely eligible to join us. We aim to create a space where your financial needs are met with care and attention. You can enjoy the many advantages of membership, including competitive rates on loans, personalized service, and innovative banking solutions tailored just for you. To get started on your journey with us at 1408 Locust St, Des Moines, IA 50309, simply reach out at 515-334-8100 for any questions or visit our website at Community Choice for more details on eligibility. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

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

Imagine being able to accept payments effortlessly while managing your cash flow efficiently. Our merchant services provide the tools you need to handle transactions smoothly, giving you more time to focus on what matters most growing your business. Located at 1408 Locust St Des Moines Ia 50309 in Des Moines, IA, we're here to support you every step of the way. Reach out to us at (515) 334-8100 for personalized assistance or visit our website at https://www.ccu.org/ to learn more about how we can partner with you on your business journey.

Comprehensive List Of Services

Business Banking Solutions

For our local entrepreneurs, we offer comprehensive Business Banking solutions including Merchant Services & Business Loans. This means you can accept payments seamlessly while also having access to funds when needed to grow your business.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking features that let you handle transactions anywhere at any time. Need cash? Our ATM & Cash Withdrawal Services ensure you're covered whenever you need funds.

Get Started Today!

To learn more about how Community Choice can assist you with these services and more, don't hesitate to reach out! Give us a call at 515-334-8100, or visit us online at Community Choice. Our friendly team is ready to help you take the next steps towards achieving your financial goals!

Personal Banking Made Easy

For those who want to keep their finances organized and accessible, our Personal Banking options are tailored for you. We offer Checking & Savings Accounts that help you save for short-term goals or long-term dreams. Imagine having a place where you can easily track your spending while earning interest on your savings. If you're considering purchasing a car, our Auto Loans & Vehicle Financing can get you on the road in no time. With competitive rates and flexible terms, we make it easy to drive away with the vehicle of your choice. When it comes to homeownership, our Mortgage Loans & Refinancing services allow you to secure the perfect loan for your dream home or potentially lower your current mortgage payments through refinancing. Picture yourself in that cozy living room you've always wanted!

Support for Your Financial Goals

We understand that life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options, helping you manage debts more effectively and regain control over your financial situation. Additionally, our Credit Cards with Rewards provide an easy way to earn points on everyday purchases. Whether you're planning a vacation or just grabbing coffee, those rewards can add up quickly!

Digital & Online Banking

Convenient Online Banking

With our online banking platform, available at https://www.ccu.org/, you can check your account balances, transfer funds, and pay bills anytime, day or night. Our 24/7 online banking services mean you're always in control of your money.

Easy Access with Mobile Banking

Stay connected with our mobile application, which allows you to bank right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or paying for purchases is quick and hassle-free. Plus, you'll have access to electronic statements that keep your financial information organized and easily accessible.

Real-Time Account Management

Managing your finances in real time is crucial, and at Community Choice, we make it happen. Whether you want to view e-statements or make instant transfers between accounts, our user-friendly tools are designed for ease of use. In short, Community Choice is dedicated to providing you with the digital tools you need to manage your finances effectively. Embrace the convenience of modern banking today!

Security You Can Trust

Your security is our priority. We use electronic signature authorization for transactions, ensuring that your sensitive information stays protected. You can bank with peace of mind knowing that we're committed to safeguarding your data.

Financial Strength

At Community Choice, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share the robust financial health of our credit union, which positions us as a reliable partner for your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 is evident with $9,941 in used auto loans and $654,935,950 in total loans and leases, supporting our members' financial goals across various sectors. Our operational efficiency is reflected in our $3,273,109, which 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, committed team. Net Shares (Funds available for lending and investments): $2,716,251. Total Share and Deposit Accounts: 100,557, 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, Community Choice is your trusted partner. Visit us at 1408 Locust St Des Moines Ia 50309 or call (515) 334-8100 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 $140,433,471 in used vehicle loans and $33,359,909 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable used option, we have financing solutions to fit your budget.

Credit Lines and Commercial Loans

For those looking for more flexible borrowing options, we have total credit lines amounting to $176,010,545. If you're a business owner seeking capital for growth or expansion, our outstanding commercial loans totaling $111,486,774 are designed with your business needs in mind. At Community Choice located at 1408 Locust St, Des Moines IA 50309, we are dedicated to making your borrowing experience as straightforward as possible. For more information about our loan products or eligibility criteria for refinancing options, feel free to give us a call at 515-334-8100. 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 financial future is important to us let's work together toward achieving your goals!

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $87,583,578, make buying or refinancing simple. We provide competitive rates and terms that can help you navigate the path to homeownership with ease.

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. These cards come with benefits designed to fit your lifestyle while providing an easy way to handle unexpected expenses.

Loan Aggregator

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Ensuring Accurate Comparisons

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COMMUNITY CHOICE CREDIT UNION - Des Moines, IA

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