Financial Plus Credit Union Des Moines IA | Best Auto Loans & Business Banking

Introduction

Welcome to Financial Plus, where your financial well-being is our top priority. Located at 609 38th St, Des Moines, IA 50312, we have been serving our community since 1929. With a strong commitment to our members, we proudly boast a total membership of 11,861 and manage an impressive $215,032,042 in assets. At Financial Plus, we understand that each member's journey is unique. Whether you're looking for checking and savings accounts, auto loans, mortgages, or personal loans, our dedicated team is here to support you every step of the way. Under the leadership of our CEO, Dave Cale, and Board President, Phillip Williams, we strive to create a welcoming environment where you can achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to the same address: 609 38th Street, Des Moines, IA 50312. Our friendly staff is ready to assist you during our lobby hours from 8:30 AM to 5:00 PM Monday through Friday and from 9:00 AM to 12:00 PM on Saturdays. With a net worth of $29,777,753 and total deposits reaching $18,845,213, Financial Plus stands as a pillar of stability in the community. We also maintain a robust cash reserve of $1,333,976, ensuring that we can meet your needs promptly. Join us in making your financial aspirations a reality! Feel free to give us a call at 515-274-4100 or visit our website at Financial Plus for more information on how we can serve you best. Let's take this journey together towards financial success!

Branch History & Mission

Community Engagement

Financial Plus prides itself on being an active participant in the community. From sponsoring local events to providing educational workshops on financial literacy, we strive to make a positive impact beyond banking. Our partnerships with various organizations help us reach more people and provide resources that truly make a difference.

Join Us Today

As we continue this journey together, we invite you to become part of the Financial Plus family. Experience firsthand how we prioritize your financial goals while supporting the community that supports us. Visit us during our operating hours Monday through Friday from 8:30 AM to 5:00 PM for lobby service or from 7:30 AM for drive-thru service and discover how we can help you achieve your financial dreams. For any questions or assistance, feel free to call us at 515-274-4100. Together, let's build a brighter future!

Our Evolution

Since opening our doors, Financial Plus has continuously adapted to meet the needs of our community. What started as a small credit union has transformed into a trusted financial partner for individuals and businesses alike. Our journey is marked by significant milestones, including the expansion of services to include personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking solutions. Our headquarters is located in nearby West Des Moines, which strengthens our connection within the Polk County area. We understand the importance of being accessible to our members; therefore, we offer both ATM availability and drive-thru banking services at our branch to ensure convenience for all.

Our Mission

At the core of Financial Plus lies our mission: to empower individuals and families through exceptional financial services while actively supporting community initiatives. We believe that financial wellness is key to improving lives. This means not just providing loans or savings accounts but also partnering with local organizations to uplift those around us. We are dedicated to maintaining an inclusive environment where everyone feels valued and supported. Whether you're looking for a loan to purchase your dream car or need assistance with budgeting and planning, we're here every step of the way. While members can visit us at 609 38th St Des Moines IA 50312, official correspondence should be sent to 609 38th Street, Des Moines, IA 50312 if different from our branch address.

Branch Location & Accessibility

Operating Hours

We know your time is valuable! Our lobby is open from 8:30 AM to 5:00 PM on weekdays, and on Saturdays, we're here from 9:00 AM to 12:00 PM for your convenience. If you prefer using our drive-thru service, it operates from 7:30 AM to 5:00 PM Monday through Thursday, extending to 7:30 AM to 6:00 PM on Fridays, and also open on Saturdays from 9:00 AM to 12:00 PM.

Services Offered

At Financial Plus, we offer a wide range of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. Need cash quickly? Our ATM is available for easy withdrawals and balance checks. For quick transactions like deposits and withdrawals, take advantage of our drive-thru service as well. While members can visit us at 609 38th Street, official correspondence should be sent to the same address since it serves as both our branch and mailing address. Our dedicated staff looks forward to assisting you with all your financial needs. Feel free to give us a call at 515-274-4100 if you have any questions or would like more information before your visit. Come see us today your financial goals are just around the corner!

Member Eligibility

At Financial Plus, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're wondering if you qualify, the good news is that eligibility is open to anyone who lives, works, worships, or attends school in our community. This means that as long as you have a connection to our area, you can enjoy all the benefits we offer. By joining us at our branch located at 609 38Th St Des Moines Ia 50312, you'll gain access to a variety of services designed to help you thrive financially, from personal banking options to auto loans and more. Getting started is easy! You can find detailed information about eligibility on our website. If you're ready to take the next step or have any questions, feel free to reach out to us at (515) 274-4100. We're here to welcome you with open arms and guide you through the simple account opening process!

Business Banking & Commercial Services

Merchant Services Made Simple

Imagine being able to accept payments easily from your customers. Our merchant services make it simple for businesses to process transactions efficiently. Whether you're selling products online or at a local market, we provide the tools that help you manage sales seamlessly. Located at 609 38Th St Des Moines Ia 50312 in Des Moines, IA, we are dedicated to empowering local businesses. Connect with us today at (515) 274-4100 to learn how our business banking solutions can help your venture thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $49 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $46,666, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Credit and Business Services

We also understand the importance of credit in today's world. That's why we offer credit cards with rewards that not only provide purchasing power but also allow you to earn points on your everyday spending. For entrepreneurs and small business owners, our business banking services include merchant services and business loans designed to support your growth.

Get Started Today!

With so many options available at Financial Plus, there's something for everyone. We invite you to explore these services further by visiting us at 609 38Th St Des Moines Ia 50312 or calling us at (515) 274-4100. Your financial goals are important to us, and we're here to help you achieve them with ease!

Online Convenience

In today's digital world, we know that convenience matters. Our online and mobile banking features make it easy to manage your accounts from the comfort of your home or on the go. With access to ATM services for cash withdrawals and balance checks, along with basic drive-thru banking for deposits and withdrawals, we ensure that banking is simple and accessible. Whether you need assistance during regular lobby hours or prefer using the drive-thru service during busy days, we're here to serve you effectively. Our friendly staff can assist with various transactions quickly, ensuring you spend less time waiting and more time focusing on what matters most.

Personal Banking Solutions

Starting with personal banking, our members can enjoy checking and savings accounts that fit their lifestyle. Imagine effortlessly managing your finances online or through our mobile app, allowing you to check balances and make transfers anytime, anywhere. For those considering purchasing a vehicle, our auto loans provide competitive rates and flexible terms, making it easier than ever to drive away in your dream car. If you're in the market for a new home or looking to refinance an existing mortgage, our mortgage loans are tailored to help you navigate the home-buying process smoothly. And if debt is weighing you down, consider our personal loans for debt consolidation; they can help simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Features

Our online banking platform at https://www.financialplus.org/ is user-friendly and available 24/7, allowing you to manage your accounts on your schedule. Whether you're checking your balance, transferring funds, or paying bills, you can do it all with just a few clicks. Plus, if you prefer using your smartphone, our mobile application makes banking on the go even simpler. Security is our top priority. We offer electronic signature authorization for added protection when completing transactions online. You can also opt for e-statements to keep track of your finances without the clutter of paper statements it's not just convenient; it's also environmentally friendly! For those who frequently send money to friends or family, our person-to-person transfer feature allows you to send funds easily and instantly. And if you're into mobile payments, we support that too! Making quick purchases has never been easier or safer. In today's fast-paced world, having real-time access to your financial information is crucial. With Financial Plus's digital banking services, you can rest assured knowing that you have everything you need right at your fingertips securely and efficiently. Join us today at Financial Plus and experience the future of banking!

Financial Strength

At Financial Plus, 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 pride ourselves on our strong financial foundation, which allows us to provide the best services possible to our community. With a net worth of $29,777,753, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 13.85% 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 $26,084,674 in share certificates and $49,989,892 in money market shares, 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. We also have $20,821,400 in undivided earnings, allowing us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $25,879 in used auto loans and $154,704,176 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $507,880 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Our dedicated team comprises 34 full-time employees and 3 part-time employees who are always ready to assist you with knowledgeable support. We also proudly serve 26,841 members through our robust share accounts. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Financial Plus is your trusted partner. Visit us at 609 38Th St Des Moines Ia 50312 or call (515) 274-4100 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the lowest rates in the industry. With over $46,900,102 in used vehicle loans and $6,566,586 in new vehicle loans already helping members get on the road, we make it easy for you to drive away with confidence.

Business Loans

For business owners seeking growth opportunities, we have outstanding commercial loans totaling $46,666 that provide the capital needed to expand operations and take your business to the next level.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $3,719,866 in loans available, our credit cards can help you manage your finances effectively while enjoying rewards and benefits.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $23,063,129. We simplify the process of buying or refinancing your home, making it easier than ever to invest in your future.

Refinancing Options

If you're considering refinancing existing loans for better rates or terms, we've got options available that can help you save money and improve your financial situation. Feel free to contact us at 515-274-4100 for more information about our loan offerings or visit us at our branch during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Financial Plus be your partner in navigating the path toward financial success!

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 commitment to using credible sources ensures that the offers presented are fair and transparent. Each comparison reflects current market conditions, allowing users to see which institutions provide the most competitive rates.

FINANCIAL PLUS CREDIT UNION - Des Moines, IA

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