Business Details
50+ Years
experience
Your Trusted Partner for Financial Services in Des Moines
Financial Plus Credit Union has served the Des Moines, Iowa community for over 90 years as a member-owned, not-for-profit financial institution. Our mission centers on empowering members through competitive financial products, personalized service, and community-focused initiatives. We specialize in savings and checking accounts, auto loans, mortgages, credit cards, and business banking solutions tailored to meet diverse financial needs. Our team of NMLS-registered loan officers and financial experts prioritizes member success through low rates, minimal fees, and innovative digital tools like mobile banking and Zelle transfers.Backed by federal insurance and a commitment to financial literacy, we provide educational resources and the Zogo app to help members build lasting financial confidence. With multiple branch locations and surcharge-free access to 30,000+ ATMs nationwide, we combine local expertise with nationwide convenience to deliver exceptional value to our members.
Services
Savings Accounts
Checking Accounts
Auto Loans
Mortgages
Credit Cards
Business Banking
Mobile Banking
Financial Literacy
ATM Services
Loan Programs
Details
- Year established: 1935
Highlights and features
- We've served Des Moines communities for over 90 years with personalized financial solutions
- Our member-owned structure ensures profits return to account holders through better rates
- Zogo financial literacy app helps members build money management skills with rewards
- Access 30,000+ surcharge-free ATMs nationwide through SHAZAM and CO-OP networks
- NMLS-registered loan officers provide expert guidance for mortgages and business loans
Associations and certifications
- NCUA
What people say
Great customer service
Competitive loan rates
User-friendly mobile app
Financial education resources
No hidden fees
Services
Auto Loans
Our auto loans feature competitive rates starting at 4.49% APR for qualified borrowers. We finance new and used vehicles with flexible terms up to 48 months. Our loan specialists help members find affordable payment plans that fit their budgets while maintaining low interest costs.
Mobile Banking
Access accounts 24/7 through our mobile app with features like mobile deposit, Zelle transfers, and real-time alerts. The app provides secure management of checking, savings, and loan accounts from any smartphone. Biometric login options enhance security while maintaining convenience.
Financial Literacy
The Zogo financial literacy app offers interactive modules teaching budgeting, credit management, and saving strategies. Members earn gift card rewards for completing educational content. This service helps build financial confidence through gamified learning experiences developed with behavioral finance experts.
Business Banking
We provide business checking accounts, commercial loans, and merchant services tailored to Iowa companies. Our relationship managers offer personalized cash flow solutions and growth financing options. Services include payroll processing, credit card processing, and business savings products designed for local entrepreneurs.
Credit Cards
Our credit card options include no annual fee cards with 1.5 reward points per dollar spent. The balance transfer promotion offers 1.99% APR for 12 months with no transfer fees. Cardholders receive mobile payment capabilities and real-time transaction alerts through our digital banking platform.
People
Theresa Macdonald
Marketing Manager
Theresa leads marketing initiatives at Financial Plus Credit Union, focusing on community engagement and financial education programs. With over 15 years in credit union marketing, she develops strategies to enhance member experiences and promote financial wellness through innovative campaigns.
Aspen Kinmonth
Branch Manager
Aspen manages the Euclid Avenue branch, overseeing daily operations and member services. Holding NMLS #2154399, she brings expertise in mortgage lending and personal finance to help members achieve their financial goals through personalized banking solutions.
Makayla Meysenburg
Branch Manager
Makayla manages the Fleur Drive branch with NMLS #2256533 certification. She specializes in building member relationships and delivering tailored financial solutions. Her focus includes mortgage services and helping first-time homebuyers navigate the loan process.
Faiza Omar
Branch Manager
Faiza leads the Ingersoll Avenue branch operations with NMLS #1550864 credentials. She emphasizes financial inclusion and community development, providing accessible banking services and educational resources to diverse member groups in central Iowa.
Joya Perez
Branch Manager
Joya manages the West Des Moines branch with NMLS #2018908 certification. Her expertise includes mortgage lending and small business banking. She focuses on creating personalized financial plans that help members build long-term wealth and achieve homeownership goals.
Questions
How do I become a member of Financial Plus Credit Union?
Membership requires opening a savings account with a $25 minimum deposit. You must live, work, or attend school in Polk, Dallas, or Warren counties in Iowa.
What digital banking services do you offer?
We provide mobile banking with check deposit, Zelle transfers, account alerts, and online bill payment. The app includes biometric login and real-time transaction tracking features.
Do you offer mortgage loans for first-time homebuyers?
Yes, we have special programs including the First-Time Homebuyer Grant. Our mortgage specialists help with down payment assistance and low-rate loan options for qualified applicants.
How can I access surcharge-free ATMs?
Use any SHAZAM Privileged Status or CO-OP Network ATM. Locate nearby machines through our website's branch and ATM finder tool with interactive maps and directions.
What financial education resources are available?
Our Zogo app offers gamified financial literacy modules. We also provide in-person workshops on budgeting, credit building, and homeownership preparation for all age groups.
Can businesses open accounts online?
Businesses can start the account opening process online but must complete verification in person at any branch location with required business documentation and owner identification.
