Polk County Credit Union Des Moines IA | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to Polk County Credit Union, your trusted financial partner located at 111 Court Ave Ste 110, Des Moines, IA 50309. Since our establishment in 1955, we've been dedicated to serving our community with a focus on personal banking solutions that truly make a difference. With over 683 members and total assets reaching $5,442,365, we pride ourselves on fostering strong relationships built on trust and support. At Polk County Credit Union, we understand that every member's financial journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, and personal loans all designed to meet the diverse needs of our community. Our total deposits amount to $1,575,633, showcasing the confidence our members have in us. Under the leadership of our CEO, Kristin Katzmann, and Board President Todd Copley, our small but dedicated team of 2 employees is committed to providing personalized service with a smile. Whether you need help with a loan or are looking for investment advice, we're here for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 111 Court Ave Ste 110, Des Moines, IA 50309-2219. Feel free to reach out via phone at (515) 244-8647 during our operating hours from 8:00 AM to 4:00 PM on weekdays. Join us today and experience the Polk County Credit Union difference! Visit our website at www.polkcountycreditunion.com for more information about how we can assist you in achieving your financial goals.

Branch History & Mission

Embracing Innovation

As we move forward into the future, Polk County Credit Union embraces digital advancements while ensuring ADA compliance for all members. With online banking options available, managing your finances has never been easier or more accessible. While we currently do not offer ATMs or drive-thru services at this branch location, our focus remains on delivering personalized service that meets your needs. We invite you to join us at Polk County Credit Union and experience the difference of a community-focused financial institution. Together, let's build a brighter financial future! For more information about our services or to become a member today, please call us at ${phone_number}. Your journey towards financial empowerment begins here!

Our Journey

From our humble beginnings, Polk County Credit Union has evolved significantly. We started as a small institution focused on providing basic banking services. As the community grew, so did we. Today, our headquarters is situated at 111 Court Ave Ste 110, where we remain committed to offering personal banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our location is easily accessible and central to many landmarks in Des Moines, making it convenient for our members. While you can visit us at our branch for any inquiries or transactions during our operating hours from 8:00 AM to 4:00 PM on weekdays, we also encourage official correspondence to be sent to our mailing address: 111 Court Ave Ste 110, Des Moines, IA 50309-2219.

Our Mission

At Polk County Credit Union, our mission is simple yet powerful: to provide exceptional financial services while fostering community growth. We believe that everyone deserves access to quality banking that prioritizes their needs. Whether it's helping a member secure a loan for their first car or guiding them through the process of refinancing their mortgage, we are here every step of the way. Our commitment goes beyond just banking; we actively engage in community outreach programs aimed at supporting local initiatives and improving lives across Des Moines. We are proud partners in various local events that promote education and financial literacy.

Branch Location & Accessibility

Accessibility Features

Our branch is designed with accessibility in mind. We ensure that everyone can comfortably reach us, featuring ramps and ADA-compliant facilities for those who may need extra assistance. Parking is available nearby, making it convenient for both members and visitors.

Operating Hours

We invite you to visit us during our lobby hours from 8:00 AM to 4:00 PM, Monday through Friday. Our team is eager to assist you with a variety of services tailored to meet your financial needs. Whether it's personal banking, auto loans, or mortgage refinancing, we have options just for you.

Services Offered

At Polk County Credit Union, we pride ourselves on offering a range of services that cater to all your banking needs. From checking and savings accounts to credit cards with rewards and business banking solutions, we are committed to helping our members achieve their financial goals. Plus, while we currently do not offer ATM or drive-thru services at this location, our online banking platform allows you to manage your finances conveniently from anywhere. If you have questions or would like more information about our services, don't hesitate to give us a call at 515-244-8647. We're excited to welcome you into our community! Come visit Polk County Credit Union today; let's work together towards your financial success!

Member Eligibility

At Polk County, we believe that becoming a member is like joining a close-knit family where your financial well-being is our priority. If you're looking to join us, it's quite simple! Membership is open to anyone who lives, works, or worships in Polk County. We value inclusivity and want everyone in our community to feel welcome. As a member of Polk County, you'll enjoy personalized service and a variety of financial products tailored just for you. For more details on eligibility criteria, feel free to check out our website at https://www.polkcountycreditunion.com/. When you're ready to take the next step towards membership, opening an account is easy! Just give us a call at 515-244-8647 during our lobby hours from 8:00 AM to 4:00 PM, and our friendly staff will guide you through the process. We can't wait to have you as part of our community at Polk County!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services that make it easier for you to manage transactions. Imagine being able to accept payments seamlessly, whether in-store or online. This means faster checkouts for your customers and improved cash flow for your business. Located at 111 Court Ave Ste 110 Des Moines Ia 50309, Des Moines, IA 50309, our team is ready to assist you in navigating your financial journey. Reach out today at (515) 244-8647 to explore how we can support your business goals!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

When it comes time to purchase a vehicle, our Auto Loans & Vehicle Financing options are here to help. Picture driving off in your dream car without the stress of high-interest rates. With competitive rates and flexible terms, we work with you to create a loan that fits your budget and lifestyle.

Business Banking

For our entrepreneurial members, we have tailored solutions in Business Banking including Merchant Services & Business Loans. If you're starting or expanding a business, our team understands the challenges you face and is ready to help pave the way for your success.

Credit Cards with Rewards

Our Credit Cards with Rewards program provides an excellent way to earn benefits while you spend. You can earn points for everyday purchases and redeem them for exciting rewards. It's like getting paid back just for using your card!

Mortgage Loans & Refinancing

Homeownership is a significant milestone, and we're proud to assist with Mortgage Loans & Refinancing. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our team will guide you through every step of the process. We aim to make this experience as smooth as possible so you can focus on making memories in your new home.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go no need to wait in line. Though we currently do not offer ATM services at our branch location, rest assured that we are committed to making banking accessible and straightforward for all our members. If you're interested in learning more about how Polk County can support your financial goals or if you have any questions about our offerings, don't hesitate to reach out! Call us at 515-244-8647 during our lobby hours from 8:00 AM to 4:00 PM on weekdays. We're excited to help you achieve financial success! Explore all these services today at Polk County Credit Union your partner in financial wellness!

Personal Banking

Starting with Personal Banking, we offer various Checking & Savings Accounts that make it easy to manage your money. Imagine having a checking account with no monthly fees, giving you more freedom to spend on what truly matters. Our savings accounts help you set aside funds for emergencies or special occasions, ensuring you're always prepared.

Personal Loans & Debt Consolidation

Life can throw unexpected challenges your way, which is why we offer Personal Loans & Debt Consolidation services. If you find yourself juggling multiple debts, our consolidation loans can simplify payments into one manageable monthly fee. Think about how relieving it would be to reduce financial stress and regain control over your finances.

Digital & Online Banking

Key Features

Our online banking service includes e-statements, allowing you to view your account activity without waiting for paper statements in the mail. This not only helps you stay organized but also contributes to a more eco-friendly approach. While we currently do not offer mobile payments or a dedicated mobile application, our online platform is designed to be user-friendly and accessible across devices. You can easily manage your accounts and perform transactions in real-time. Although person-to-person transfers are not available at this time, our robust online system ensures that your financial needs are met promptly.

Security Matters

Your security is our top priority. We implement strong measures to protect your personal information and account details, so you can focus on what truly matters your financial well-being. Plus, with electronic signature authorization not being required for most transactions, we've simplified processes even further. In summary, Polk County's digital and online banking services put you in control of your finances with ease and security. Whether you're at home or out and about, managing your money has never been more convenient! Visit us today at Polk County Credit Union to learn more about how we can support your banking needs.

Financial Strength

At Polk County, 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 proud to share our strong financial position, which reflects our commitment to serving you. With a net worth of $1,232,688, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,265 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 $477,032 in share certificates, 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. Our commitment to reinvestment is reflected in our $900,513 in undivided earnings. This allows us to enhance innovative banking tools, improve lending options, and bolster security measures for your peace of mind. With $145 in used auto loans and $3,780,574 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Additionally, our $82,692 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 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 735, showcasing 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, Polk County is your trusted partner. Visit us at 111 Court Ave Ste 110 Des Moines Ia 50309 or call (515) 244-8647 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 $2,348,065 in used vehicle loans and $1,105,754 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 flexible terms to fit your budget.

Credit Lines

For those looking for extra flexibility, our total credit lines amounting to $200,000 can help cover unexpected expenses or provide additional purchasing power when needed. If you're considering refinancing options or want to learn more about eligibility for our loan products, please reach out to us directly at 515-244-8647. We're here to guide you through the process and find the best solutions tailored to your unique situation. Visit us at 111 Court Ave Ste 110 Des Moines IA 50309 or check out our website here for more details on our loan offerings and services. Let us help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently do not have Junior Lien 1-4 Family Residential Properties loans available, we encourage you to check back for future offerings that may suit your needs.

Unsecured Credit Cards

We also provide flexible terms on unsecured credit card loans. Although we don't have any unsecured credit card loans available right now, we aim to support our members in managing their finances effectively when these products become available.

Loan Aggregator

Benefits of Using LendMesh

One of the key advantages of LendMesh is its commitment to transparency. - Verified Data: All loan offers come from legitimate financial institutions, ensuring that users can trust the information they receive. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed choices quickly. Thousands of users trust LendMesh for 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 of this tool in helping individuals save money.

Call to Action

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.

Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers. By relying on verified data, LendMesh creates a reliable platform for loan comparisons.

Polk County