Business Details
50+ Years
experience
Your Trusted Partner for Credit Union Services in Des Moines
Affinity Credit Union has served members as a not-for-profit cooperative financial institution since 1949. Founded on the principle of 'people helping people,' we prioritize member needs through personalized financial solutions, competitive rates, and community-focused services. Our expertise spans over 75 years of helping individuals and families achieve financial goals through savings, loans, and investment products.As a federally insured institution (NCUA), we combine the convenience of 5,600 shared branches and surcharge-free ATMs with the personal touch of local Des Moines branches. Our commitment to transparency, no hidden fees, and member ownership distinguishes us from traditional banks, ensuring profits return to our 13,000+ member-owners through better rates and dividends.
Services
Auto Loans
Mortgages
Checking Accounts
Savings Accounts
Credit Cards
Personal Loans
Online Banking
Mobile Banking
Debit Cards
Financial Coaching
Details
- Year established: 1949
Highlights and features
- We offer over 75 years of experience in community banking
- We provide personalized financial solutions tailored to member needs
- Our team consists of certified financial experts with extensive experience
- We operate with full transparency and no hidden fees
- We are deeply committed to the local Des Moines community
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
Friendly staff
Very helpful
Great customer service
Knowledgeable employees
Personalized solutions
Services
Auto Loans
Our auto loans offer competitive rates starting at 5.34% APR with flexible terms for new and used vehicles. Members benefit from personalized payment plans, no prepayment penalties, and dedicated loan specialists who help secure optimal financing solutions. We provide immediate approval options and work with all credit profiles to make vehicle ownership accessible while maintaining financial stability.
Mortgages
We offer comprehensive mortgage solutions including purchase loans, refinancing, and home equity products with competitive rates. Our in-house mortgage department provides personalized guidance through every step of the home buying process, from pre-approval to closing. Members receive exclusive benefits like $200 cash rebates and deferred payments for qualified applicants.
Checking Accounts
Our rewards checking accounts feature no monthly maintenance fees, no minimum balance requirements, and nationwide ATM access. Members enjoy enhanced security features, mobile check deposit capabilities, and integration with budgeting tools to manage daily finances efficiently while earning competitive dividends.
Savings Accounts
From youth savings to IRAs, our savings products help members grow their money with competitive APYs. Specialized options include building better savings accounts with tiered rates and certificates of deposit offering guaranteed returns. All accounts maintain NCUA insurance protection up to $250,000.
Financial Coaching
Our financial wellness program provides personalized budgeting assistance, debt management strategies, and credit score optimization services. Certified coaches help members create customized financial plans, access educational resources, and implement practical solutions for long-term financial health through both in-person and digital platforms.
People
Margie
Customer Service Representative
Experienced banking professional with 15+ years in member services, known for resolving complex account issues and providing patient, personalized financial guidance to Affinity members.
Kay
Customer Service Representative
Dedicated phone banking specialist with a decade of experience helping members navigate digital banking systems and resolve account inquiries efficiently and compassionately.
Abbi
Loan Officer
Certified loan professional specializing in auto financing and credit card services, recognized for quick problem resolution and proactive fraud protection measures for members.
Mackenzie
Account Services Manager
Award-winning banking associate with expertise in new account setup, financial product education, and personalized member onboarding processes that simplify complex banking needs.
Emma
Branch Manager
Branch leader with specialized knowledge in coin counting services and consumer banking, praised for exceptional customer service and community engagement initiatives.
Questions
What are the membership requirements for Affinity Credit Union?
You qualify if you live or work in 14 Iowa counties, work for a select employer group, or have a family member who's already a member.
How do I apply for a loan with Affinity?
Apply online, visit a branch, or contact our loan department directly. We offer immediate approval options and personalized loan consultations.
What digital banking services do you offer?
We provide mobile check deposit, eStatements, online bill pay, credit score monitoring, and a mobile app for account management.
Are there fees for using ATMs outside your network?
No - your debit card works surcharge-free at 5,000+ ATMs through the Privileged Status Network nationwide.
What happens if I need banking help after hours?
While we're not open 24/7, our mobile app handles basic transactions, and we offer extended phone hours until 6 PM on Fridays.
How do you handle fraud protection for accounts?
We monitor accounts 24/7, offer instant card lock features, and have dedicated specialists who respond quickly to fraud reports.
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