I. H. Mississippi Valley CU Des Moines IA | Affordable Auto Loans & Top Checking

Introduction

Welcome to I. H. Mississippi Valley, your trusted financial partner located at 3990 Merle Hay Rd, Des Moines, IA 50310. Established in 1936, we have proudly served our community for decades, helping over 146,000 members achieve their financial goals. Our dedication to providing exceptional service and support is reflected in our impressive total assets of $2,167,977,235 and total deposits amounting to $78,932,857. At I.H. Mississippi Valley, we believe that strong relationships are the backbone of great banking. Our team of 414 employees, led by CEO Brian Laufenberg and Board President Sam Kupresin, is committed to ensuring that every member receives personalized attention and expert guidance. Whether you're looking for checking accounts, auto loans, or mortgage refinancing, we offer a range of services tailored just for you. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: 3990 Merle Hay Road, Des Moines, IA 50310. With a net worth of $201,058,099 and cash in hand totaling $43,838,945, we are well-equipped to support your financial journey. Join the I.H. Mississippi Valley family today and experience the difference that comes with being part of a community-focused credit union. For more information or assistance, don't hesitate to reach out at (309) 793-6200 or explore our website at IHMVCU. We look forward to helping you thrive!

Branch History & Mission

The I. H. Mississippi Valley Credit Union, located at 3990 Merle Hay Rd in Des Moines, IA, has been a cornerstone of the community since its inception in 1936. With a rich history spanning over eight decades, this branch has grown alongside its members, evolving from a small credit union to a significant financial institution with total assets of over $2.16 billion and a membership base that proudly stands at 146,777. From the beginning, the mission of the I. H. Mississippi Valley Credit Union has been clear: to provide accessible and affordable financial services while fostering a sense of community among its members. This mission is reflected not only in the products and services offered such as personal banking, auto loans, mortgage financing, and business banking but also in their commitment to supporting local initiatives and outreach programs. As we look back on our journey, we take pride in our milestones. Over the years, we've expanded our services to include modern conveniences like online banking, mobile payments, and ATM access ensuring that our members can manage their finances easily and securely. Our drive-thru banking service makes it even more convenient for members to conduct transactions without leaving their vehicles. While members can visit us at our branch address on Merle Hay Road, official correspondence should be sent to the same address as our mailing address: 3990 Merle Hay Road, Des Moines, IA 50310. Our operating hours are designed with our members' busy schedules in mind; we're open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 1 PM for lobby access. Our drive-up service operates slightly longer on weekdays and Saturdays to provide additional flexibility. Community connection remains at the heart of what we do. We strive not just to serve as a financial institution but also as a partner in helping our members achieve their dreams whether that's buying a first car or starting a new business venture. The relationships built over time have allowed us to understand and meet the unique needs of those we serve. At I. H. Mississippi Valley Credit Union, we believe that everyone deserves access to high-quality financial services in an environment where they feel valued and supported. As we continue into the future, we invite you to join us on this journey. Experience the benefits of membership by visiting us today or exploring more about what we offer online at IHMVCU. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility and Parking

At I. H. Mississippi Valley, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, so everyone can easily access our services. Plus, we offer ample parking right outside our doors for your convenience.

Contact Us

If you have any questions or would like more information about what we offer, feel free to give us a call at 309-793-6200. We invite you to stop by the I. H. Mississippi Valley branch today; we're excited to serve you!

Operating Hours

We understand that life gets busy! That's why our lobby is open Monday through Friday from 9 AM to 5 PM and Saturdays from 9 AM to 1 PM, giving you plenty of time to visit us. If you prefer the drive-thru option, we're here for you even earlier open weekdays from 8:30 AM to 5:30 PM and Saturdays with the same hours.

Services Offered

Whether you're looking for personal banking solutions like checking accounts and auto loans or need assistance with mortgage loans and refinancing, we've got you covered. Our friendly staff is here to help with all your financial needs, including online and mobile banking options for those who prefer managing their accounts on-the-go. Additionally, if you ever need cash quickly, you'll find an ATM available right at our branch. Our basic drive-thru service allows you to make deposits and withdrawals efficiently without stepping out of your car.

Member Eligibility

At I. H. Mississippi Valley, we believe in building a community where everyone can thrive. Becoming a member is simple and welcoming if you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us! This means that individuals from various backgrounds can take advantage of our supportive financial services. By becoming a member at I. H. Mississippi Valley, you gain access to a variety of benefits designed to help you achieve your financial goals, including competitive rates on loans and savings accounts, personalized service, and innovative banking options. To learn more about specific eligibility details, feel free to visit our website at http://www.ihmvcu.org/membership/member-resources/locations. When you're ready to take the next step toward joining our family, opening an account is easy! You can get started by visiting us online at http://www.ihmvcu.org/loan-application or by giving us a call at (309) 793-6200. We're excited to welcome you into our community at I. H. Mississippi Valley, located at 3990 Merle Hay Rd Des Moines Ia 50310!

Business Banking & Commercial Services

Member Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $494 in commercial loans for our members, helping businesses scale and succeed. Each loan represents a story of innovation and resilience like the local café that expanded its seating area or the tech startup that upgraded its software to meet growing demands.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine seamlessly accepting credit card payments at your shop or on-the-go sales at events. Our solutions not only streamline transactions but also enhance customer experiences, allowing you to focus on what you do best growing your business. Come visit us at 3990 Merle Hay Rd, Des Moines, IA 50310, or give us a call at 309-793-6200. Let's explore how we can partner together to make your business aspirations a reality!

Outstanding Portfolio

With an outstanding commercial loan portfolio of $198,910,515, we continue to drive economic growth by financing new and expanding businesses. This robust support empowers entrepreneurs like you to pursue your dreams without the burden of excessive financial strain.

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our branch provides ATM and cash withdrawal services for easy access to your funds whenever you need them. Plus, enjoy the convenience of basic drive-thru banking for deposits and simple transactions without leaving your car.

Auto Loans and Vehicle Financing

Thinking about getting a new car? Our auto loans and vehicle financing options are designed to make that process easier for you. We work with you to find a loan that fits your budget so you can hit the road in no time.

Business Banking

For small business owners, we offer specialized services like merchant services and business loans tailored to help you grow your enterprise. We believe in supporting local businesses because when they thrive, our community thrives.

Credit Cards with Rewards

Take advantage of our credit cards with rewards that let you earn points on everyday purchases. It's an excellent way to get more from your spending while enjoying the benefits of being a member at our credit union.

Drive-Thru Services

We also offer basic drive-thru banking services for those who prefer an easier way to handle their transactions on the go. Whether it's deposits or withdrawals, we've got you covered. We're proud to serve our members in Des Moines and beyond with exceptional service tailored just for you! If you'd like more information about any of these services or have questions, don't hesitate to call us at 309-793-6200 or visit us online at ihmvcu.org. Join us today and experience the difference at I. H. Mississippi Valley!

Mortgage Loans and Refinancing

Buying a home is one of the biggest decisions you'll ever make. At our branch, we provide comprehensive support for mortgage loans and refinancing. Our team will guide you through each step, ensuring you understand all your options.

Online & Mobile Banking

In today's fast-paced world, convenience is key. With our robust online and mobile banking platforms, you can manage your accounts anytime, anywhere. From checking balances to transferring funds or paying bills, everything is just a few taps away.

Personal Banking

At I. H. Mississippi Valley, we understand the importance of managing your day-to-day finances. That's why we offer various personal banking services, including checking and savings accounts tailored for every lifestyle. If you're planning a big purchase or want to consolidate debt, consider our personal loans and debt consolidation options that can ease your financial burden.

Digital & Online Banking

Accessibility and Ease-of-Use

At I. H. Mississippi Valley, we prioritize accessibility and ease-of-use in all our digital banking services. Our intuitive design means you don't need to be a tech expert to navigate through your accounts effectively. With everything from checking balances to transferring funds available at the tap of a finger, banking has truly never been more convenient. We are here to support you every step of the way as you explore the world of digital banking. Experience the future of banking today with I. H. Mississippi Valley!

Key Features

Our 24/7 online banking service allows you to check your account balances, transfer funds, and pay bills without stepping foot in a branch. Whether you're at home or on the go, you have complete control over your finances right from your computer or mobile device. We also know that security is crucial. Our electronic signature authorization feature ensures that your transactions are not only easy but also safe. You can sign documents electronically with confidence, knowing that your information is protected. For those who prefer going paperless, we provide e-statements, making it simple to keep track of your financial history without cluttering your mailbox. You can view these statements anytime through our secure online platform. If you're always on the move, our mobile application is perfect for you. It allows for mobile payments and person-to-person transfers, giving you the flexibility to send money instantly to friends or family right from your smartphone. Plus, with our user-friendly interface, managing your accounts has never been easier.

Financial Strength

At I. H. Mississippi Valley, 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 believe that understanding our financial strength is key to building trust within our community. With a net worth of $201,058,099, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 927 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 $713,958,069 in share certificates and $195,763,216 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $40,500,579, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $186,454,424 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 $40,508 in used auto loans and an impressive $1,770,969,493 in total loans and leases. Our operational efficiency shines through with a net income of $11,113,288, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 396 full-time employees and 18 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at an impressive 291,577, showcasing a strong and growing member base that trusts us with their finances. Furthermore, the funds available for lending and investments amount to $2,248,672 in net shares. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, I. H. Mississippi Valley is your trusted partner. Visit us at 3990 Merle Hay Rd Des Moines Ia 50310 or call 309-793-6200 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 $783,996,623 in used vehicle loans and $247,756,549 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used vehicle, we can assist you with financing options that fit your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $198,910,515 provide the capital needed to grow and expand your business. We understand the unique challenges businesses face and are dedicated to supporting your ambitions through tailored lending solutions. At I. H. Mississippi Valley, we're committed to providing our members with not just loans but also guidance on eligibility options and refinancing opportunities whenever possible. You can reach us at 309-793-6200 or visit us at 3990 Merle Hay Rd Des Moines IA 50310 for more information about our loan offerings or to start your application today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Lines and Unsecured Credit Card Loans

For those looking for flexible borrowing options, we offer credit lines totaling $610,948,135 to help you manage expenses effectively. Additionally, our unsecured credit card loans amounting to $56,777,001 provide members with convenient access to funds when needed. This means you can handle unexpected costs without breaking the bank.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $28,397,864, make buying or refinancing simple. We provide tailored solutions that cater to first-time buyers and seasoned homeowners alike. If you're considering refinancing your current mortgage, we have options available that could lower your monthly payments or shorten your loan term.

Loan Aggregator

Benefits of Using LendMesh

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I. H. MISSISSIPPI VALLEY CREDIT UNION - Des Moines, IA

Type of Loan Offerings

Mortgage Loans

Personal Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Des Moines, IA (50310)

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility and Parking

Contact Us

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Member Commercial Loans

Merchant Services

Outstanding Portfolio

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Auto Loans and Vehicle Financing

Business Banking

Credit Cards with Rewards

Drive-Thru Services

Mortgage Loans and Refinancing

Online & Mobile Banking

Personal Banking

Digital & Online Banking

Accessibility and Ease-of-Use

Key Features

Financial Strength

Loan Offering

Auto Loans

Business Loans

Credit Lines and Unsecured Credit Card Loans

Mortgage Loans

Loan Aggregator

Benefits of Using LendMesh

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