Des Moines Metro Credit Union IA | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Des Moines Metro, your trusted financial partner located at 100 University Ave, Des Moines, IA 50314. Since our establishment in 1938, we have dedicated ourselves to serving our community with a focus on trust, reliability, and personalized service. With over 7,155 members, we take pride in being more than just a credit union; we are a part of your financial journey. At Des Moines Metro, we understand that every member's needs are unique. That's why we offer a wide range of services including personal banking, auto loans, mortgage options, and business banking solutions. As of now, our total assets stand at an impressive $69,894,663, and we maintain strong member deposits of $6,244,616. Our commitment to your financial well-being is reflected in our robust net worth of $8,563,016 and cash on hand totaling $968,844. Our leadership team is here to guide you. Under the direction of CEO Jim Anderson and Board President David Bair, we strive to create an environment where every member feels valued and supported. Whether you're looking for competitive loan rates or efficient online banking options, we've got you covered. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be sent to our mailing address: 100 University Avenue, Des Moines, IA 50314. We invite you to explore what makes Des Moines Metro special. Call us today at (515) 283-4195 or visit our website at www.dmmcu.org to discover how we can help you achieve your financial goals!

Branch History & Mission

At Des Moines Metro, we take pride in our rich legacy and commitment to serving the community of Des Moines, IA. Since our establishment in 1938, we have grown from a small credit union into a vital financial resource for over 7,155 members. Our journey reflects not only our evolution as a financial institution but also our dedication to making a positive impact in the lives of those we serve. Located at 100 University Ave, Des Moines, IA 50314, our branch is easily accessible and surrounded by community landmarks that enhance the vibrancy of our location. While members can visit us at this address, official correspondence should be sent to 100 University Avenue, Des Moines, IA 50314 if different. Our mission is straightforward yet powerful: to provide personalized financial services while fostering community support and growth. We believe that every member deserves access to quality financial products and guidance tailored to their needs. Whether it's through our checking accounts, auto loans, or mortgage services, we aim to empower our members with the tools they need for financial success. Over the years, we've achieved significant milestones, now boasting total assets of $69,894,663. This growth has allowed us to expand our offerings and invest in digital advancements that make banking easier for everyone. Our services include online and mobile banking options, ensuring you can manage your finances anytime and anywhere. We are proud to be ADA compliant and prioritize customer-centric initiatives that enhance accessibility for all members. Additionally, we offer drive-thru banking and an ATM for convenient access to your funds. Our shared service center further extends our reach, allowing members from partner credit unions to utilize our facilities. Community outreach is at the heart of what we do. We actively seek partnerships with local organizations and initiatives aimed at improving the well-being of residents in Des Moines. By supporting local events and programs, we strive to give back and strengthen the bonds within our community. As we look ahead, we invite you to join us on this journey. Experience firsthand the benefits of being part of Des Moines Metro where your financial goals become ours. Connect with us today at 515-283-4195 or visit us online at dmmcu.org to learn more about becoming a member!

Branch Location & Accessibility

Accessibility Features

At Des Moines Metro, we prioritize accessibility for all members. Our branch is equipped with features like ADA-compliant ramps and designated parking spaces, ensuring that everyone can access our services without difficulty.

Operating Hours

We know your time is valuable, so we've tailored our operating hours to fit your schedule. Visit us in the lobby Monday through Thursday from 9:00 AM to 5:30 PM, and Friday from 8:00 AM to 5:30 PM. For those who prefer drive-thru banking, our drive-up service is available Monday through Friday from 7:30 AM to 6:00 PM.

Services Offered

Our team at Des Moines Metro is dedicated to providing a wide array of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, enjoy the convenience of online and mobile banking right at your fingertips! For added convenience, we also offer ATM access on-site, so you can manage cash withdrawals and balance checks with ease. If you're a member of another participating credit union, take advantage of our shared service center for basic transactions like deposits and withdrawals. If you have any questions or would like more information about what we offer, don't hesitate to give us a call at (515) 283-4195. We look forward to welcoming you in person soon!

Member Eligibility

Becoming a member of Des Moines Metro is like joining a warm, welcoming family that truly cares about your financial well-being. To be eligible, you simply need to live, work, or worship in the local community around 100 University Ave Des Moines Ia 50314. Whether you're looking for personal banking services or planning for your future with loans and savings, we strive to support our members every step of the way. If you want to know more about the specific eligibility criteria, feel free to check out our detailed guide at https://www.dmmcu.org/about/become-a-member/. Opening an account is straightforward and designed with you in mind. It's as easy as visiting us online or giving us a call at (515) 283-4195. We can't wait to help you become part of our vibrant community at Des Moines Metro! For more information on how to open your account, please visit https://www.financial-net.com/dmmcu/lending#new_tab.

Business Banking & Commercial Services

Merchant Services for Your Business Needs

In today's fast-paced marketplace, having the right tools can set your business apart. With our merchant services, you can easily accept payments from customers, streamline transactions, and manage your finances all in one place. This means more time spent on what matters most growing your business. Visit us at 100 University Ave Des Moines Ia 50314 in Des Moines, IA, or give us a call at (515) 283-4195 to learn how we can support your business journey!

Supporting Business Growth Through Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $36 in non-member commercial loans, providing flexible financing solutions. Imagine needing quick capital to expand your operations or invest in new technology; our loan options are crafted to meet those needs efficiently. Whether you're looking to purchase equipment, fund inventory, or manage cash flow, we are here to assist you every step of the way.

Comprehensive List Of Services

Business Banking Support

For our entrepreneurial members, we offer comprehensive business banking services, including merchant services and business loans. We are committed to supporting local businesses by providing the necessary tools for growth and success.

Cash Withdrawal Made Simple

Need cash? Our ATM & cash withdrawal services ensure easy access to your funds whenever you need them. Plus, with basic drive-thru banking available for simple transactions like deposits and withdrawals, managing your money has never been easier. We also offer shared branch transactions so that members from partner credit unions can enjoy similar conveniences at our location. Feel free to reach out if you have any questions about our services or if you'd like assistance with your financial needs! Give us a call at (515) 283-4195, or visit us at Main Office today! Your journey toward financial wellness starts here!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. At Des Moines Metro, we prioritize accessibility through our robust online and mobile banking services. You can easily check balances, transfer funds, pay bills, and more all from the comfort of your home or while on the go.

Home Sweet Home

Thinking about buying a house? Our mortgage loans and refinancing services provide flexible terms tailored to suit your budget. Whether you're a first-time homebuyer or looking to lower your monthly payments, we're here to help you navigate the mortgage process smoothly.

Personal Banking Solutions

Whether you're opening your first checking account or looking to save for the future, our personal banking options have you covered. We offer various checking and savings accounts designed to fit your lifestyle. Our accounts come with features like online banking and mobile app access, allowing you to manage your finances anytime, anywhere.

Personal Loans for Life's Needs

Life can be unpredictable, and sometimes you need extra cash for unexpected expenses. Our personal loans and debt consolidation options offer quick access to funds when you need them most. With straightforward terms and manageable repayment plans, we aim to make borrowing as stress-free as possible.

Rewarding Credit Card Options

Our credit cards with rewards give members a chance to earn points on everyday purchases. Whether you're planning a vacation or just want to enjoy some cashback, these cards provide added benefits that enhance your spending power.

Vehicle Financing Made Easy

If you're in the market for a new car or looking to refinance your existing auto loan, our auto loans and vehicle financing options can help get you on the road quickly. We understand how important reliable transportation is for our members. Our competitive rates make it easier to afford the vehicle you need.

Digital & Online Banking

Mobile Application & Payments

Take your banking experience further with our mobile application, which is available for download on both iOS and Android devices. This app not only lets you manage your accounts but also offers mobile payments for quick and hassle-free transactions. Plus, with our person-to-person transfer feature, sending money to friends or family has never been easier.

Online Banking Services

Our online banking system is available 24/7, allowing you to check your balance, pay bills, and transfer money whenever it suits you. You can get started by visiting https://www.dmmcu.org/ to sign up or log in. Whether you're at home or on the go, you can have peace of mind knowing that your banking needs are just a click away.

Security & Accessibility

Your security is our top priority. At Des Moines Metro, we utilize electronic signature authorization to ensure that your transactions are safe and secure. Additionally, e-statements are available for those who prefer paperless banking. You can easily view and manage your statements online, helping you stay organized while contributing to a greener planet. With all these features combined, managing your finances has never been more accessible or straightforward. Join us at Des Moines Metro today and discover how our digital banking services can simplify your life!

Financial Strength

Committed Team Ready to Serve You

We also take pride in having 14 full-time employees ready to assist you with their knowledge and dedication. Our team is here to guide you through every step of your financial journey.

Growing Membership Base

With a total of 11,797 accounts, we have a strong and growing member base that trusts us with their finances. This trust allows us to strengthen our offerings continually. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Des Moines Metro is your trusted partner. Visit us at 100 University Ave Des Moines Ia 50314 or call (515) 283-4195 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

Members' savings are secured through $8,217,915 in share certificates, 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.

Reinvestment for Growth

With $5,860,776 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach supports our mission to provide you with the best possible banking experience.

Strong Capital Foundation

With a net worth of $8,563,016, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.25% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Support for Your Financial Goals

With $856 in used auto loans and $39,026,516 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our $223,479 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $12,207,291 in used vehicle loans and $1,887,021 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates tailored to fit your budget.

Credit Lines

Our total credit lines amounting to $10,784,173 provide additional flexibility for our members. Whether you need funds for unexpected expenses or want to consolidate debt into manageable payments, our credit lines can help you stay on track financially. If you're considering refinancing any of these options or exploring eligibility criteria for our loan products, feel free to reach out! You can visit us at our branch located at 100 University Ave Des Moines IA 50314, or give us a call at 515-283-4195 for more details. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support you every step of the way towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,467,328, make buying or refinancing simple. We offer various mortgage solutions that cater to both first-time buyers and those looking to refinance their existing mortgages.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,210,090 in loans helping members manage their finances effectively. These credit cards come with various rewards programs and no annual fees, making it easier for you to handle your day-to-day expenses without stress.

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), ensuring fair and transparent offers. By using verified data, LendMesh guarantees that all loan offers come from legitimate financial institutions. This means users can trust that they are comparing genuine offers rather than promotional listings.

DES MOINES METRO CREDIT UNION - Des Moines, IA

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