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

Introduction

At First Class Community, we believe in empowering our members to achieve their financial goals. Located at 303 Euclid Ave, Des Moines, IA 50313, our credit union has been a trusted partner in the community since 1925. With over 7,354 members and total assets exceeding $92,595,944, we are committed to providing personalized service and innovative financial solutions tailored to your needs. While you can visit us at our branch for all your banking needs, official correspondence should be sent to the same address: 303 Euclid, Des Moines, IA 50313. Our dedicated team of 20 employees, led by CEO Zac Pollock and Board President Gary Olson, is here to assist you with everything from checking and savings accounts to auto loans and business financing. We pride ourselves on offering competitive rates and services that make banking easy. With total deposits reaching $2,718,955 and a solid net worth of $8,498,750, First Class Community stands strong as a reliable financial institution. Whether you're looking for personal loans or need assistance with mortgage refinancing, we have options that suit your lifestyle. Our commitment goes beyond just numbers; it's about making a positive impact in the community. We understand the importance of building lasting relationships with our members, which is why we prioritize excellent customer service. Feel free to call us at 515-224-4300 or visit our website at gofirstclass.org to learn more about how we can help you take control of your finances. Join us today and experience the difference that comes with being part of the First Class Community family!

Branch History & Mission

Join Us

As we look toward the future, we invite you to become part of our growing family at First Class Community. With convenient operating hours including lobby access Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM you can easily find time to discuss your financial needs with one of our friendly staff members. Explore all that First Class Community has to offer experience personalized service like never before! For more information or assistance, please call us at 515-224-4300 or visit our website at gofirstclass.org. Together, let's achieve your financial goals!

Our Mission

At First Class Community, our mission is not just about numbers; it's about people. We strive to empower our members by providing them with the tools they need to succeed financially. Whether it's through competitive loan rates or educational resources on budgeting and saving, we are dedicated to fostering financial literacy and independence within our community. We also understand the importance of giving back. Through various outreach programs and partnerships with local organizations, we actively engage in initiatives that uplift those around us. Our commitment extends beyond transactions; we aim to build lasting relationships that make a real difference in people's lives. While you can always visit us at 303 Euclid Ave, official correspondence should be sent to 303 Euclid, Des Moines, IA 50313 if you need to reach out via mail.

Our Story

Located at 303 Euclid Ave, Des Moines, IA 50313, our branch has been a cornerstone of financial support in the area. Over the years, we have expanded our services and introduced modern banking technologies while maintaining our commitment to personalized service. Our mission is simple yet powerful: to provide accessible financial solutions and support for every member of our community. From humble beginnings, First Class Community has seen significant growth. Today, we manage total assets amounting to over $92 million, allowing us to offer a wide range of services including auto loans, mortgages, personal loans, and business banking options. We are proud to be part of a supportive network that includes shared service centers and drive-thru banking for added convenience.

Branch Location & Accessibility

Connect with Us

Whether you're looking to open a new account, apply for a loan, or just ask questions about our services like personal banking and auto loans, our friendly staff is here to help! Feel free to give us a call at 515-224-4300 if you have any inquiries or visit us in person your financial journey starts here! While members can visit us at 303 Euclid Ave, official correspondence should be sent to the same address as our mailing address is also 303 Euclid, Des Moines, IA 50313. We look forward to serving you!

Easy Access and Services

At First Class Community, we prioritize accessibility. Our branch features ADA-compliant ramps and designated parking spots, ensuring everyone can comfortably visit us. If you're driving through, you'll be glad to know that we offer a drive-thru service for quick transactions without leaving your vehicle. Plus, we have an ATM available for cash withdrawals and balance checks whenever you need them.

Operating Hours That Fit Your Schedule

We understand that life can get busy, which is why our operating hours are tailored to accommodate your schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM. For those who prefer drive-thru banking, we offer services from 8:30 AM to 5:30 PM on weekdays and from 8:30 AM to 12:00 PM on Saturdays.

Member Eligibility

At First Class Community, we believe that everyone deserves a chance to be part of a caring community. Joining us is simple and welcoming! If you live, work, or worship in our area, or if you are related to someone who does, you're already eligible for membership. We're excited to have individuals from all walks of life join our credit union family. Becoming a member not only opens the door to great financial services but also connects you with a supportive network focused on helping you achieve your goals. To learn more about the specific eligibility requirements and ensure you meet them, feel free to check out our detailed criteria at https://gofirstclass.org/accounts/online-membership/ . Once you're ready to take the next step, opening an account is easy! Just visit https://securecuonline.com/firstclassccu/loanapp .aspx or give us a call at (515) 224-4300. We can't wait to welcome you to First Class Community, located at 303 Euclid Ave Des Moines Ia 50313!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having the tools you need to process payments quickly and efficiently, right at your fingertips. Our merchant services simplify transactions so you can focus on what matters most growing your business. Whether you run a retail shop or provide services, our solutions help streamline your operations, making it easier for customers to pay and for you to manage cash flow. Located at 303 Euclid Ave Des Moines Ia 50313 in Des Moines, IA, we invite you to explore how First Class Community can partner with you on your path to success. For inquiries, feel free to call us at (515) 224-4300. Let's grow together!

Tailored Business Loan Solutions

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 $11 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $77,909, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, business banking services are essential. We offer merchant services that simplify payment processing and ensure your business runs smoothly. Additionally, our business loans can help fund your growth or cover operational costs.

Digital Banking at Your Fingertips

In today's fast-paced world, convenience is key. That's why First Class Community offers robust online and mobile banking features. Access your accounts anytime, anywhere through our secure platforms. You can easily manage transactions, pay bills, and even send money to friends with our person-to-person payment feature. Our ATMs provide quick access to cash without the hassle of waiting in line. Plus, with basic drive-thru banking available for simple transactions like deposits and withdrawals, we're committed to making your banking experience as convenient as possible.

Loans Made Easy

Life can throw unexpected expenses your way, which is why we also offer personal loans and debt consolidation options. These loans can provide the financial relief you need during tough times or help simplify your monthly payments into one manageable sum. Don't forget about our credit cards with rewards! They not only provide convenience but also allow you to earn while you spend on everyday purchases.

Personal Banking Solutions

We understand that everyone has unique financial goals. That's why our personal banking services include checking and savings accounts tailored to fit your lifestyle. Whether you need a simple account for everyday transactions or a high-yield savings option for future plans, we have you covered. If you're considering purchasing a vehicle, our auto loans and vehicle financing options can help make that dream a reality with competitive rates and flexible terms. For those looking to invest in real estate, our mortgage loans and refinancing products offer great solutions to help you secure the best possible deal.

Shared Branching Options

We know life can get busy, which is why we also participate in shared branching transactions for partner credit union members. This means you can conduct basic transactions like deposits and withdrawals even when you're away from home. We invite you to explore all these services at First Class Community Credit Union-e. If you have any questions or need assistance, please don't hesitate to call us at (515) 224-4300. Join us today in achieving your financial goals with confidence!

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check balances, transfer funds, and pay bills without ever stepping foot in a branch. You'll also have the option to enroll in e-statements, making it easy to keep track of your financial activity while reducing paper clutter. Plus, with electronic signature authorization available, signing documents is quick and secure no need for printing or mailing. If you prefer banking from your smartphone, our mobile application brings all these features right to your fingertips. You can even make mobile payments and conduct person-to-person transfers with ease, letting you send money to friends or family in just a few taps.

Security & Accessibility

Your security is a top priority at First Class Community. We implement robust measures to ensure that your personal information remains safe while you're managing your accounts online. And if you ever need assistance, our friendly team is just a phone call away at (515) 224-4300. With these user-friendly tools, staying on top of your finances has never been easier. Join us today and discover how our digital banking services can enhance your banking experience!

Financial Strength

Commitment to Growth

With $5,759,041 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 robust, with $1,045 in used auto loans and $37,007,338 in total loans and leases supporting our members' financial goals across various sectors.

Efficient Operations

Our $308,216 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees and 0 part-time employees who are always ready to serve you with a knowledgeable and committed team.

Growing Member Base

Total Share and Deposit Accounts: 14,223, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $40,453. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Class Community is your trusted partner. Visit us at 303 Euclid Ave Des Moines Ia 50313 or call (515) 224-4300 to learn more about how we can help you achieve your financial goals.

Secure Savings Opportunities

Members' savings are secured through $4,836,722 in share certificates and $14,023,980 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.

Strong Capital Foundation

With a net worth of $8,498,750, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $917 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

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,646,574 in used vehicle loans and $3,235,557 in new vehicle loans already helping members get on the road. We offer flexible terms and fast approvals so you can hit the road sooner.

Business Financing

For business owners, our outstanding commercial loans totaling $77,909 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support you with tailored financing solutions. If you're considering refinancing options or want to check your eligibility for any of our loan products, please don't hesitate to reach out. You can contact us at 515-224-4300 or visit us at our branch located at 303 Euclid Ave, Des Moines, IA 50313. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our range of services today and discover how we can assist you in reaching your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,445,468, make buying or refinancing simple. We also provide expert guidance throughout the process to help you secure the best possible terms.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, helping members manage their finances effectively. Currently, our total for these loans stands at $0, which shows our focus on other lending options that meet diverse member needs.

Loan Aggregator

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FIRST CLASS COMMUNITY CREDIT UNION - Des Moines, IA