First Class Community Credit Union West Des Moines IA | Affordable Auto Loans & Quick Personal Loans

Introduction

Welcome to First Class Community Credit Union, your trusted financial partner located at 2051 Westown Pkwy, West Des Moines, IA 50265. Established in 1925, we've proudly served our community for nearly a century, building strong relationships and helping over 7,354 members achieve their financial goals. Our commitment to delivering exceptional service is reflected in our impressive assets of $92,595,944 and total deposits reaching $2,718,955. At First Class Community, we understand that every member's needs are unique. That's why we offer a wide range of services from checking and savings accounts to auto loans and mortgage refinancing. With 20 dedicated employees, including our CEO Zac Pollock and Board President Gary Olson, we are here to ensure your banking experience is not only convenient but also personalized. Our branch features modern amenities such as online and mobile banking options, making it easy for you to manage your finances on the go. You can also visit us for essential banking tasks at our drive-thru or take advantage of shared branch services with other credit unions. While members can visit us at 2051 Westown Pkwy, official correspondence should be sent to our mailing address: 2051 Westown Parkway, West Des Moines, IA 50265-1541. For any inquiries or assistance, don't hesitate to reach out by phone at 515-224-4300 or fax us at 515-224-4306. Join us today and discover how First Class Community Credit Union can help you secure a brighter financial future! Visit our website at gofirstclass.org to learn more about our services or apply for membership. Your journey towards financial wellness starts here!

Branch History & Mission

Community Connections

First Class Community isn't just about transactions; it's about building relationships. Our partnerships with local organizations strengthen our outreach efforts and allow us to support various community initiatives. We understand the importance of giving back and are actively involved in programs that uplift those around us. With operating hours designed for your convenience Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 8:30 AM to 12:00 PM you'll find that accessing your financial needs has never been easier. Our drive-thru service adds another layer of convenience for quick transactions without leaving your car.

Join Us Today!

As we look toward the future, we invite you to become part of our journey at First Class Community. Experience firsthand the benefits of membership and discover how we can help you achieve your financial goals. Visit us today or check out more information on our website at gofirstclass.org. Join us in creating a brighter financial future together!

Our Mission

Our mission at First Class Community is clear: to provide exceptional financial services while fostering a supportive environment for our members. We are dedicated not just to banking but to empowering individuals and families in our community. Whether it's offering checking and savings accounts or providing loans for vehicles and homes, we strive to meet the diverse financial needs of those we serve. We believe that banking should be accessible to everyone. This belief drives us to offer digital advancements such as online banking and mobile payments, ensuring that managing finances is easy and convenient. Our branch is also ADA compliant, making sure that all members can access our services without barriers.

Branch Location & Accessibility

Welcome to First Class Community Credit Union, your trusted financial partner located at 2051 Westown Pkwy in beautiful West Des Moines, IA. Our branch is conveniently situated near local landmarks, making it easy for you to drop by and take care of your banking needs. Whether you're heading home or out for errands, we're just around the corner. At First Class Community, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring everyone can enjoy a seamless experience. You'll find ample parking right outside, so there's no need to worry about finding a spot. For those who prefer quick service, our drive-thru banking is open Monday through Friday from 8:30 AM to 5:30 PM and Saturday from 8:30 AM to 12:00 PM. This allows you to handle deposits and withdrawals without leaving your vehicle. If you need assistance with more complex transactions, our lobby hours are also available during the week from 9:00 AM to 5:00 PM. And don't forget about our ATM! It's accessible whenever you need cash or wish to check your balance. Plus, we offer shared services with partner credit unions, so if you're a member of another participating credit union, you can still complete basic transactions here. While you can reach us directly at 515-224-4300 for any inquiries or support, we encourage you to visit us in person! Experience the friendly atmosphere and personalized service that sets us apart. If you need to send any official correspondence, please use our mailing address at 2051 Westown Parkway, West Des Moines, IA 50265-1541. We're excited to help you with all your banking needs stop by today!

Member Eligibility

At First Class Community, we believe that everyone deserves a chance to thrive in a supportive community. Becoming a member is easy and welcoming! If you live, work, or attend school in Polk County, or if you're related to someone who does, you're already eligible to join us. We want to help you with your financial journey by offering personalized services and a sense of belonging. To learn more about the specific eligibility details, feel free to check out our eligibility criteria. Opening an account is just as simple! You can easily start the process online through our account opening page or give us a call at (515) 224-4300 if you have any questions. We're here to assist you every step of the way. Join First Class Community today at our location, 2051 Westown Pkwy West Des Moines Ia 50265, and experience the advantages of being part of a credit union that truly cares about its members!

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 $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.

Merchant Services

In addition to loans, we offer merchant services tailored to help you streamline your operations. Imagine being able to accept payments easily from your customers, whether in-store or online. Our reliable payment processing solutions ensure that transactions are smooth, so you can focus on what matters most growing your business. Visit us at 2051 Westown Pkwy West Des Moines Ia 50265 in West Des Moines, IA, or call us at (515) 224-4300 to learn more about how our business banking services can propel your business forward!

Comprehensive List Of Services

Business Solutions

For entrepreneurs and small business owners, we offer robust Business Banking services including merchant services and business loans. We know how important it is for businesses to have reliable financial support, and we're here to help you succeed.

Credit Cards and Rewards

With our Credit Cards with Rewards, you can earn points on everyday purchases that can be redeemed for exciting benefits. This is just one way we aim to add value to your financial experience.

Digital Banking Features

In today's fast-paced world, convenience matters more than ever. Our Online & Mobile Banking features allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills from your smartphone or computer. Plus, with ATM & Cash Withdrawal Services, accessing your money is just a few taps away.

Drive-Thru and Shared Branch Transactions

For those who prefer face-to-face interactions, our branch offers basic drive-thru banking for deposits, withdrawals, and simple transactions. We also participate in shared branching services so members of partner credit unions can conduct basic transactions like deposits and withdrawals with us. No matter what your financial needs may be, First Class Community is committed to providing personalized service tailored just for you. We're proud to serve our community since 1925 and look forward to continuing this tradition of trust and support. To learn more about our services or to speak with one of our team members, please don't hesitate to call us at (515) 224-4300 or visit us online at First Class Community Credit Union. We're here for you every step of the way!

Personal Banking

We understand that managing your finances can be overwhelming at times. That's why we offer Personal Banking services like checking and savings accounts designed to help you save for the future while giving you easy access to your funds. If you're considering buying a car, our Auto Loans & Vehicle Financing options make it simple to get behind the wheel without breaking the bank. For those eyeing a new home, our Mortgage Loans & Refinancing services are tailored to fit various budgets and circumstances, ensuring you can find the right loan for your dream house. Additionally, if you're dealing with debt, our Personal Loans & Debt Consolidation programs provide flexible solutions to help you regain control of your finances.

Digital & Online Banking

E-Statements for Easy Management

Say goodbye to paper clutter! With e-statements available, you can view and download your monthly statements online anytime. This not only helps keep your records organized but also supports our efforts toward sustainability by reducing paper use. At First Class Community, we strive to provide accessible and effective solutions for all your banking needs. Join us today at http://gofirstclass.org/ and experience the ease of digital banking tailored just for you!

Mobile Banking Features

For those on the go, our mobile application provides all the features you need right in your pocket. You can enjoy mobile payments, making it easy to pay for purchases without cash or cards. Additionally, person-to-person transfers allow you to send money to friends and family quickly and securely. Everything is designed to be intuitive so that you can focus on what matters most.

Online Banking Experience

Our online banking platform at http://gofirstclass.org/ offers a user-friendly interface that simplifies your banking tasks. Whether you want to check your balance, pay bills, or transfer funds, everything is just a click away. Plus, with 24/7 online banking services, you can manage your accounts on your schedule.

Security You Can Trust

Security is a top priority at First Class Community. We offer electronic signature authorization to ensure that your transactions are safe and verified. Our commitment to protecting your information means you can bank with peace of mind, knowing that we take every measure to safeguard your personal data.

Financial Strength

Growing Trust

Total Share Accounts stand at 14,223, showcasing a strong and growing member base that trusts us with their finances. Additionally, Net Shares available for lending and investments amount to $40,453, further enhancing our ability to serve you well. 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 2051 Westown Pkwy West Des Moines Ia 50265 or call (515) 224-4300 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

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 capacity for lending is also impressive; with $1,045 in used auto loans and $37,007,338 in total loans and leases, we support your financial goals across various sectors.

Member-Centric Savings

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.

Operational Efficiency

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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid 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 provide flexible terms and competitive rates that make financing your vehicle straightforward and accessible.

Credit Lines and Business Loans

For those seeking additional financial flexibility or capital for business needs, our total credit lines amount to $4,947,975. Additionally, our outstanding commercial loans totaling $77,909 provide essential funding for local businesses looking to grow and expand. At First Class Community, we pride ourselves on helping our members navigate their financial journeys with confidence. For more information on eligibility or to apply for a loan today, visit us online at gofirstclass.org or contact us directly at the branch. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $4,445,468, making buying or refinancing simple. We offer various mortgage solutions to fit your unique situation. If you are considering refinancing your current home loan, ask us about eligibility options that may save you money.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently, there are no available balances under this category. However, our credit cards often come with rewards and benefits that can help manage your finances effectively.

Loan Aggregator

Ensuring Accurate Comparisons

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The Benefits of Using LendMesh

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FIRST CLASS COMMUNITY CREDIT UNION - West Des Moines, IA