Financial Plus Credit Union Des Moines IA | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Financial Plus, your trusted partner in financial wellness since 1929. Located at 2850 E Euclid Ave, Des Moines, IA 50317, we are proud to serve a vibrant community with a commitment to providing personalized banking solutions. With over 11,861 members and $215,032,042 in total assets, we strive to empower our members with the tools they need for financial success. At Financial Plus, our dedicated team of 37 employees, led by CEO Dave Cale and Board President Phillip Williams, is here to assist you every step of the way. Whether you're looking for personal banking options like checking and savings accounts or loans tailored to your needs such as auto loans, mortgage financing, or business services we've got you covered. While members can visit us at our branch location, official correspondence should be sent to the same address. We invite you to take advantage of our extensive services, which include online and mobile banking options for your convenience. Our commitment to our community is reflected not just in our offerings but also in how we manage our resources; with a net worth of $29,777,753 and total deposits amounting to $18,845,213, we ensure that your money is safe and secure. If you have any questions or need assistance, feel free to call us at 515-283-2526. Our friendly staff is eager to help you achieve your financial goals. Visit us today or explore more on our website at Financial Plus. Join us in creating a better financial future together!

Branch History & Mission

Join Us!

With flexible operating hours Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to Noon we're here when you need us most. Our dedicated staff is ready to assist you with any questions or concerns you may have. We invite you to become part of the Financial Plus family. Experience firsthand how we're dedicated not only to your financial success but also to building a stronger community together. Visit us today or give us a call at 515-283-2526!

Our Journey

Over the decades, Financial Plus has evolved significantly while maintaining its core values of trust, integrity, and community support. From humble beginnings nearly a century ago, we've expanded our services and offerings to meet the changing needs of our members. Today, with total assets reaching an impressive $215,032,042, we are equipped to provide a wide range of personal and business banking services that empower individuals and strengthen families in our community. As we continue to adapt to the digital age, our commitment remains steadfast. We offer modern conveniences such as online banking and mobile payments alongside traditional services like auto loans and mortgages. This blend ensures that all members can access their accounts easily while benefiting from personalized service.

Our Mission

At the heart of Financial Plus lies a simple yet powerful mission: to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to quality financial services without barriers. This mission drives us daily as we strive to support not just your financial goals but also local initiatives that make Des Moines a better place for all. We are proud to participate in various community outreach programs aimed at improving lives through education and resources. These efforts reflect our belief that being a good neighbor is just as important as providing excellent banking services. While members can visit us at 2850 E Euclid Ave for all their banking needs including drive-thru services and ATM access official correspondence should be sent to our mailing address: 2850 E Euclid Ave, Des Moines, IA 50317-4246.

Branch Location & Accessibility

Welcome to the Financial Plus branch located at 2850 E Euclid Ave in Des Moines, IA! Here at our Euclid site, we are dedicated to making your banking experience as convenient and accessible as possible. Nestled in the vibrant community of Polk County, our branch is easily reachable and close to local landmarks like the East Village and the beautiful Gray's Lake Park, making it a perfect stop whether you're running errands or enjoying a day out. At Financial Plus, we strive to provide services that cater to your needs. Our parking lot offers ample space for members visiting us, and we are proud to be ADA compliant, ensuring that everyone can access our facilities with ease. If you need quick service, take advantage of our drive-thru banking option for deposits and withdrawals without leaving your vehicle. We understand that life can get busy, so we've designed our operating hours to fit your schedule. You can visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday mornings until noon for all your banking needs. Whether you're looking for checking accounts, auto loans, or personal loans, our friendly staff is ready to assist you. For your convenience, we also have an ATM available on-site for quick cash withdrawals and balance inquiries. If you prefer online banking or mobile payments, rest assured that we offer those services too! While members can visit us at 2850 E Euclid Ave Des Moines Ia 50317, official correspondence should be sent to 2850 E Euclid Ave, Des Moines, IA 50317-4246. If you have any questions or need assistance before your visit, feel free to give us a call at (515) 283-2526. We look forward to welcoming you soon!

Member Eligibility

At Financial Plus, we believe that everyone deserves a chance to be part of a caring community that prioritizes your financial well-being. Becoming a member is easy and welcoming! If you live, work, or worship in the area, you are likely eligible to join us. We embrace all individuals who share our values and seek to enhance their financial journey. Plus, our members enjoy fantastic benefits like lower loan rates, personalized service, and access to a wide range of banking products tailored just for you. To learn more about the specific eligibility criteria and ensure you meet the requirements, feel free to visit our detailed page at . If you're ready to take the next step or have any questions, don't hesitate to reach out to us at (515) 283-2526. We're here to help! You can also find information on how to open your account easily by visiting . Join us at Financial Plus, located at 2850 E Euclid Ave Des Moines Ia 50317, and let's build a brighter financial future together!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine having the tools to effortlessly accept payments from your customers while gaining insights into their purchasing habits. Our merchant services do just that. By simplifying transactions, we help you focus on what really matters growing your business. Whether it's processing credit cards or managing online payments, we're here to ensure your operations run smoothly. Located at 2850 E Euclid Ave, Des Moines, IA 50317, our team is ready to partner with you on this journey. For more information, give us a call at 515-283-2526. Let us help you unlock the potential of your business today!

Comprehensive List Of Services

Business Banking Services

Running a business comes with its own set of challenges, which is why our business banking services are crafted for entrepreneurs like you. From merchant services that help you process payments smoothly to tailored business loans, we are committed to supporting your business goals.

Convenient Access Points

We know how important it is for our members to have easy access to their funds, so we offer comprehensive ATM services for quick cash withdrawals and balance checks. Plus, our drive-thru banking makes it convenient for those quick transactions without leaving your car. You can find us at 2850 E Euclid Ave Des Moines Ia 50317, where our friendly staff is ready to assist you with any questions or concerns. Feel free to reach out at (515) 283-2526, whether it's about opening an account or discussing loan options. In today's fast-paced world, managing your finances should be simple and straightforward. At Financial Plus, we're here to provide the tools and support you need for a secure financial future. Ready to explore what we can do for you? Visit us online at Euclid or stop by our branch today!

Loans and Credit Solutions

For those unexpected expenses or when you need extra cash, our personal loans and debt consolidation services provide a reliable safety net. And don't forget about our credit cards with rewards! They not only allow you to make purchases conveniently but also earn points for future savings on travel, shopping, and more.

Personal Banking Services

Our personal banking options include checking and savings accounts designed to help you manage your money effectively. Imagine having the convenience of easily accessing your funds with our user-friendly online and mobile banking services. You can check your balance, transfer funds, or even pay bills right from your phone or computer no need to visit the branch every time! If you're thinking about buying a car, our auto loans and vehicle financing options make it easy to drive away in the vehicle you want. We offer competitive rates and flexible terms that fit your budget. Additionally, if homeownership is on your mind, look into our mortgage loans and refinancing services. We're here to guide you through every step of obtaining a mortgage that suits your lifestyle.

Digital & Online Banking

Key Features

One standout feature is our electronic signature authorization. This means you can complete transactions and sign documents securely online without needing to visit a branch. Plus, with e-statements available, you can easily keep track of your account activity while reducing paper clutter. Our mobile application adds another layer of convenience. It's perfect for making mobile payments and person-to-person transfers quickly and effortlessly. Need to send money to a friend? No problem! You can do it right from your phone. Security is also a key focus at Financial Plus. We utilize advanced encryption technology to protect your information, ensuring that your banking experience is not only easy but safe as well. With all these features at your fingertips, managing your finances has never been more accessible or straightforward. Join us today at Financial Plus and experience the ease of digital banking that puts you in control!

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 are committed to being a reliable partner for your financial needs, ensuring peace of mind as you navigate your financial journey. 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 1385 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. With $20,821,400 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 $25,879 in used auto loans and a total of $154,704,176 in loans and leases. Our operational efficiency is reflected in our net income of $2,319,848, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 34 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 26,841, 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, Financial Plus is your trusted partner. Visit us at 2850 E Euclid Ave Des Moines IA 50317 or call 515-283-2526 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 offer 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 provide flexible terms and competitive rates to ensure you drive away satisfied.

Business Loans

For business owners looking to expand or improve cash flow, our outstanding commercial loans totaling $46,666 provide the capital needed to grow and succeed. We understand the unique challenges businesses face and are committed to offering solutions that work for you. If you're considering refinancing any existing loans or exploring eligibility options for our products, we're here to help. Our knowledgeable staff at Financial Plus, located at 2850 E Euclid Ave Des Moines IA 50317, can guide you through your options. To learn more about our loan offerings or to speak with one of our representatives directly, call us at 515-283-2526. 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 dedicated to helping you navigate your financial journey smoothly and successfully.

Credit Lines

For those who need ongoing access to funds, our credit lines total $12,715,163, offering a safety net for unexpected expenses or planned purchases. This option allows you to borrow as needed while only paying interest on what you use.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,063,129, make buying or refinancing simple. We aim to guide you through every step of the mortgage process with clear information and straightforward terms.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $3,719,866 in loans helping members manage their finances effectively. Our credit cards come with rewards that can benefit you while providing financial flexibility.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This approach guarantees that users receive fair and transparent offers based on the latest results (Source: https://www.ncua.gov ). Each listed loan offer comes from legitimate financial institutions, which enhances trustworthiness and reliability.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from established financial institutions, promoting transparency in the lending process. - No Sponsored Listings: Unlike many comparison tools, LendMesh does not prioritize lenders based on paid promotions. The platform's goal is to present unbiased results to help users find the best options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates across multiple institutions, allowing them to make well-informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. Ready to take control of your loan search? Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

FINANCIAL PLUS CREDIT UNION