Business Details
50+ Years
experience
Your Trusted Iowa Credit Union for Personal & Business Banking
Community Choice Credit Union has served Iowa communities since 1953, operating as a member-owned financial cooperative dedicated to community-driven banking. With over 50,000 members and 11 Central Iowa locations, we prioritize personalized service through checking accounts, loans, investment options, and credit cards. Our UNbanking philosophy emphasizes lower loan rates, higher savings dividends, and fee-free services while maintaining a local focus through community involvement and tailored financial education programs.Headquartered in Johnston, Iowa, we combine 70+ years of experience with modern digital tools like mobile banking and instant-issue debit cards to deliver accessible, member-centric financial solutions.
Services
Checking Accounts
Vehicle Loans
Mortgage Loans
Credit Cards
Investment Options
Business Banking
Student Loans
Home Equity Loans
Savings Accounts
Wealth Management
Details
- Year established: 1953
Highlights and features
- Member-owned cooperative prioritizing community financial health
- No monthly fees on personal checking accounts
- Access to largest no-fee ATM network in Iowa
- Personalized financial education programs for all ages
- Locally-based decision making for loan approvals
Associations and certifications
- NCUA
What people say
No monthly fees
Early direct deposit
Local decision making
Free credit monitoring
Personalized service
Services
Checking Accounts
Community Choice Credit Union offers multiple checking account options including Business Checking, Non-Profit Checking, and personal accounts with no monthly service fees. Features include free debit cards, bill pay services, and early direct deposit access. Account holders benefit from personalized service and local branch support across Iowa.
Vehicle Loans
Competitive vehicle loan rates apply for new and used car purchases or refinancing existing loans. Special offers include up to 99 days without payments and discounted APRs for direct deposit customers. Loan terms range from 1-7 years with rates starting at 4.32% APR for qualified borrowers.
Credit Cards
Diverse credit card options include cashback rewards, travel points, and business-focused cards. Introductory offers feature 0% APR for six months, with ongoing rates from 15.99%-20.99% APR. Cards offer purchase protection, travel benefits, and exclusive member discounts.
Investment Options
Investment services include Certificates of Deposit, IRAs, HSAs, and Money Market accounts. Competitive APYs reward savers with tiered rates for larger balances. Wealth by Choice provides personalized retirement planning and investment advisory services through certified professionals.
Business Banking
Tailored business banking solutions feature three account tiers with varying minimum balances and transaction limits. Services include treasury management, payroll processing, merchant services, and commercial lending. Dedicated business specialists provide local support for Iowa companies of all sizes.
People
Randy Dickey
Chair
Randy Dickey leads the board of directors with extensive local business experience, guiding strategic decisions for Community Choice Credit Union's continued growth and community impact.
Joe Yamen
Vice-Chair
Joe Yamen serves as Vice-Chair, bringing financial expertise to support member services and operational excellence across the credit union's expanding service areas.
Cameron Fitzgerald
Director of Treasury Management
Cameron Fitzgerald manages treasury operations, specializing in business financial solutions and employee benefit programs that enhance member companies' financial wellness and operational efficiency.
Questions
What makes Community Choice different from banks?
As a member-owned credit union, we return profits to members through better rates, lower fees, and personalized service rather than corporate shareholders.
Do you offer business banking services?
Yes, we provide commercial checking, treasury management, payroll services, and business loans tailored to Iowa companies' specific needs.
Are there fees for online banking?
No, our online banking services including bill pay, account management, and mobile check deposit are completely free for all members.
Can I access my account outside Iowa?
Yes, your Community Choice debit card works worldwide through the Allpoint ATM network, with surcharge-free access at participating locations.
What loan options are available for bad credit?
We offer secured loans, credit builder programs, and personalized counseling to help members improve credit scores and access better financing options.
Do you have student loan services?
Yes, we partner with ISL Education Lending for private student loans and refinancing options with competitive rates for qualified borrowers.
