Financial Plus Credit Union Des Moines IA | Low Mortgage Rates & Top Checking Accounts

Introduction

Welcome to Financial Plus, your trusted partner in personal and community banking located at 4303 Fleur Dr, Des Moines, IA 50321. Since our establishment in 1929, we have been dedicated to providing exceptional financial services that empower our members and strengthen our community. With a strong membership base of over 11,861 individuals, we take pride in being an integral part of your financial journey. At Financial Plus, we believe that every member deserves personalized attention and support. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. Our total assets stand at an impressive $215,032,042, demonstrating our stability and commitment to serving you effectively. Additionally, with total deposits amounting to $18,845,213, we ensure your funds are safe and accessible whenever you need them. Our experienced team is led by CEO Dave Cale and Board President Phillip Williams, who work tirelessly to uphold the values of trust and transparency within our credit union. With a net worth of $29,777,753 and $1,333,976 cash in hand, Financial Plus is well-equipped to meet your needs today and into the future. While you can visit us at our branch for all your banking needs, official correspondence should be directed to our mailing address: 4303 Fleur Dr, Des Moines, IA 50321-2327. Whether you're looking for assistance with loans (we currently manage 38,317 loans) or simply want to learn more about how we can help you save or invest wisely, we're here for you. Feel free to reach out at 515-256-7955 during our business hours Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to Noon. We invite you to explore the many ways Financial Plus can make a positive impact on your financial life. Visit us today or check out our website at financialpluscu.com for more information!

Branch History & Mission

A Rich Legacy

Located at 4303 Fleur Dr, Des Moines, IA 50321, our branch is not just a place for banking; it's a hub for community engagement and support. Over the years, Financial Plus has evolved significantly. We started small but have grown into an institution with total assets exceeding $215 million. This growth reflects our unwavering dedication to our members' financial well-being and our commitment to fostering strong relationships within the community. Our headquarters is situated in West Des Moines, IA, where we continue to steer Financial Plus towards innovative solutions and member-centric services. With operating hours designed for your convenience Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and Saturday from 9 AM to noon we are always here when you need us.

Join Us

As we look toward the future, we invite you to become part of our family at Financial Plus. Experience firsthand how we put people before profits and prioritize your financial success. Together, let's build a brighter future for ourselves and our community! For more information or to join today, please call us at 515-256-7955 or visit us online at Financial Plus.

Mission Statement

At Financial Plus, our mission is clear: to empower our members through financial education and access to affordable banking services. We strive to make a positive impact in the lives of those we serve by offering personal banking options like checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our goal is not just to meet your financial needs but also to help you achieve your dreams. We believe that banking should be about more than transactions; it should be about building relationships. That's why we actively engage in community outreach efforts and partnerships that support local initiatives. Whether it's providing financial literacy workshops or sponsoring local events, we are committed to being an integral part of the Des Moines community.

Modern Services

In addition to traditional banking services, Financial Plus embraces modern technology. We offer online and mobile banking options for added convenience. Members can enjoy features like mobile payments and e-statements while still benefiting from personal service at our drive-thru or through direct assistance at our branch. While members can visit us at 4303 Fleur Dr for all their banking needs, official correspondence should be sent to our mailing address: 4303 Fleur Dr, Des Moines, IA 50321-2327.

Branch Location & Accessibility

Call Us Today!

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 515-256-7955. We look forward to welcoming you into our branch and helping you achieve your financial goals. While members can visit us at our location on Fleur Drive, please remember that official correspondence should be sent to the same address: 4303 Fleur Dr, Des Moines, IA 50321-2327. Experience the difference at Financial Plus your trusted partner in personal and business banking!

Convenient Access and Amenities

At Financial Plus, we believe that accessibility matters. Our branch features ample parking space and is designed with ADA-compliant features, ensuring everyone can visit us with ease. If you're on the go, take advantage of our drive-thru banking service for quick transactions without leaving your vehicle. We also have an ATM available for those times when you need cash on the spot.

Operating Hours That Fit Your Schedule

We understand that life gets busy. That's why our operating hours are tailored to accommodate your schedule. Visit us Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to noon. With these flexible hours, you can find time to manage your banking without any hassle.

Member Eligibility

Becoming a member of Financial Plus is like joining a family where your financial well-being is our priority. We welcome anyone who lives, works, worships, or attends school in the communities we serve. This means if you're part of our vibrant local area, you can easily become part of our community-focused credit union. At Financial Plus, we believe in supporting our members with personalized service and a range of products designed to help you thrive financially. Opening an account is simple! Just visit us at our branch located at 4303 Fleur Dr Des Moines Ia 50321 or give us a call at (515) 256-7955 for more details on how to start your membership journey. To explore the specific eligibility criteria further, feel free to check out our website at . We're excited to welcome you into the Financial Plus family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine running your shop without worrying about payment processing. Our merchant services simplify transactions so you can focus on what matters most serving your customers. From accepting credit cards to managing online payments, we provide tools that enhance your efficiency and improve cash flow. Located at 4303 Fleur Dr Des Moines Ia 50321 in Des Moines, IA, we are here to empower your business journey. Contact us today at (515) 256-7955 to learn how we can support your financial goals!

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

Business Banking Solutions

For our business members, we provide comprehensive business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support your goals.

Credit Cards

Don't forget about our credit cards! With rewards programs that allow you to earn points on purchases, managing everyday expenses has never been more rewarding.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can access your accounts anytime, anywhere whether it's checking balances, transferring funds, or making payments. Our ATM services also allow for easy cash withdrawals and balance checks on-the-go.

Drive-Thru Services

If you prefer face-to-face interactions but are short on time, our basic drive-thru banking services make it simple to complete deposits, withdrawals, and other transactions without leaving your car.

Get In Touch

We invite you to experience the Financial Plus difference firsthand! Our friendly staff is ready to assist you with any questions or needs you may have. Feel free to give us a call at 515-256-7955 during our operating hours: Monday through Thursday from 9 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9 AM to Noon. Explore all that Financial Plus has to offer and discover how we can help you achieve your financial goals today!

Loans for Every Need

In addition to auto loans and mortgages, we offer personal loans and debt consolidation options that can help simplify your finances. If you're considering a vacation or need funds for unexpected expenses, our personal loans provide the support you need without the hassle.

Personal Banking

Our personal banking services are designed to help you manage your money efficiently. Whether you're looking to open a checking or savings account, we have options that fit your lifestyle. For those planning to purchase a new vehicle, our auto loans and vehicle financing solutions can make your dream car a reality. If you're interested in buying a home or refinancing your current mortgage, our mortgage loans provide competitive rates and flexible terms.

Digital & Online Banking

E-Statements and Security

Stay organized with e-statements, which are available for all members at Financial Plus. They not only reduce paper clutter but also enhance security by keeping your sensitive information safe from prying eyes. And if you need to sign documents quickly? Our electronic signature authorization makes it easy and efficient.

Mobile Application and Payments

For those who prefer banking on their smartphones, our mobile application offers a user-friendly interface for all your banking needs. With features like mobile payments, you can make quick purchases without digging through your wallet. Plus, person-to-person transfers let you send money to friends or family in seconds. We strive to make banking accessible and straightforward for everyone at Financial Plus. Our team is always here to support you as you navigate these digital tools, ensuring that managing your finances remains hassle-free and secure. So why wait? Dive into the world of digital banking with us today!

Online Banking Services

With our online banking platform, accessible at https://www.financialplus.org/ , managing your finances is just a click away. Check your account balances, transfer funds, and pay bills all from the comfort of your own home. Plus, our 24/7 online banking services ensure that you can handle your banking needs whenever it suits you.

Financial Strength

Committed Team

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 team dedicated to your needs. Our staff is committed to guiding you through every aspect of your financial journey.

Comprehensive Lending Options

Our lending capacity supports your financial goals across various sectors. We have $25,879 in used auto loans and a total of $154,704,176 in loans and leases available for our members. This means whether you're looking for financing for a car or planning for other major purchases, we have the resources to help.

Growing Membership Base

Total Share Accounts stand at 26,841, showcasing a strong and growing member base that trusts us with their finances. Our commitment to transparency and personalized service helps foster long-lasting relationships with each member. 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 4303 Fleur Dr Des Moines IA 50321 or call 515-256-7955 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Reinvestment for Growth

With $20,821,400 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This approach helps us maintain an efficient operational model with a net income of $2,319,848 that reflects our ability to provide high-quality products while keeping costs low.

Solid Foundation

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.

Loan Offering

Additional Financing Options

For those looking for more specific lending needs, our total credit lines amount to $12,715,163, providing additional flexibility for personal or business expenses. Furthermore, if you're a business owner, our outstanding commercial loans totaling $46,666 provide the capital needed to grow and expand your operations. If you're considering refinancing any existing loans or exploring eligibility options for our products, don't hesitate to reach out. Our friendly team is here to guide you through the process and ensure you find the right solution for your needs. For more information on our loan offerings or to speak with one of our representatives, please visit us at 4303 Fleur Dr, Des Moines IA 50321 or give us a call at 515-256-7955. 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 trusted partner on your financial journey!

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. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that fit your budget and lifestyle.

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 offer competitive rates and flexible terms to help you secure the home of your dreams.

Unsecured Credit Cards

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. Enjoy the freedom of making purchases while keeping your payments manageable.

Loan Aggregator

Benefits of Using LendMesh

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FINANCIAL PLUS CREDIT UNION