Credit Unions in Des Moines, IA
8 member-owned, NCUA-insured credit unions headquartered in or near Des Moines, serving a combined 50,892 members. The largest is Premier. Click any credit union for its full details.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Sorted by membership size.
Premier
Des Moines, IA🇺🇸
16,665 members
Credit Unions & BankingView details →Affinity
Des Moines, IA🇺🇸
12,393 members
Credit Unions & BankingView details →Des Moines Metro
Des Moines, IA🇺🇸
7,053 members
Credit Unions & BankingView details →Journey
Des Moines, IA🇺🇸
6,472 members
Credit Unions & BankingView details →Serve
DES MOINES, IA🇺🇸
4,987 members
Credit Unions & BankingView details →Capitol View
Des Moines, IA🇺🇸
1,760 members
Credit Unions & BankingView details →Des Moines Fire Department
DES MOINES, IA🇺🇸
923 members
Credit Unions & BankingView details →Polk County
DES MOINES, IA🇺🇸
639 members
Credit Unions & BankingView details →This list is credit unions whose NCUA charter (headquarters) is geocoded to Des Moines: they are based in or near Des Moines. Credit unions with a branch in the city but headquartered elsewhere are listed next.
Also with a branch in Des Moines
8 more credit unions headquartered elsewhere have a branch in Des Moines, IA. Source: NCUA, Credit Union Branch Information, quarter ended June 30, 2026 (2026 Q2). Branch hours and services are not shown here; check the credit union.
Sorted by membership size.
Veridian
Waterloo, IA🇺🇸
379,914 members
Credit Unions & BankingView details →Greenstate
North Liberty, IA🇺🇸
359,136 members
Credit Unions & BankingView details →I. H. Mississippi Valley
Moline, IL🇺🇸
149,553 members
Credit Unions & BankingView details →Collins Community
Cedar Rapids, IA🇺🇸
81,267 members
Credit Unions & BankingView details →Community Choice
JOHNSTON, IA🇺🇸
53,683 members
Credit Unions & BankingView details →Greater Iowa
Ames, IA🇺🇸
38,111 members
Credit Unions & BankingView details →Financial Plus
West Des Moines, IA🇺🇸
11,507 members
Credit Unions & BankingView details →First Class Community
WEST DES MOINES, IA🇺🇸
6,819 members
Credit Unions & BankingView details →- Veridian — branches: 3221 SE 14th St Des Moines, IA 50320; 2005 Ingersoll Ave Des Moines, IA 50309
- Greenstate — branches: 4729 SW 9th St Des Moines, IA 50315; 4205 Merle Hay Rd Des Moines, IA 50310
- I. H. Mississippi Valley — branch: 3990 Merle Hay Rd Des Moines, IA 50310-1308
- Collins Community — branch: 601 E Court Ave Des Moines, IA 50309
- Community Choice — branches: 700 Lyon st Des Moines, IA 50309-5457; 1408 Locust St Des Moines, IA 50309
- Greater Iowa — branch: 600 E 30th St Des Moines, IA 50317-2406
- Financial Plus — branches: 4303 Fleur Dr Des Moines, IA 50321-2327; 2850 E Euclid Ave Des Moines, IA 50317-4246; 3800 Ingersoll Ave Des Moines, IA 50312-3413
- First Class Community — branch: 303 Euclid Ave Des Moines, IA 50313-4349
How to join a credit union in Iowa
To join one of the credit unions above, you need to fall within its field of membership — usually by living or working in Des Moines or the surrounding area, through your employer, or via an association anyone can join. Once eligible, you open a small share account (often $5) that makes you a part-owner with one vote, regardless of your balance. Deposits are insured up to $250,000 by the NCUA.
Credit unions in Des Moines — common questions
How many credit unions are in Des Moines?
8 member-owned, NCUA-insured credit unions are headquartered in or near Des Moines, Iowa, with a combined 50,892 members. The largest is Premier.
Are these the closest credit unions to me in Des Moines?
The first list is credit unions whose NCUA charter (headquarters) is based in or near Des Moines, geocoded to the city. The second list adds 8 more credit unions headquartered elsewhere that NCUA shows with a branch in Des Moines, as of June 30, 2026. A credit union can serve a wider area than its branches. For a true distance-sorted list from your exact location, use the "near me" finder above.
Can I join any credit union in Des Moines?
Not always. Every credit union has a "field of membership" — you typically qualify by living or working in a defined area, your employer, or an association you can join. Many community credit unions in Iowa accept anyone in the area; others are tied to a specific group. Check each credit union's eligibility before opening a share account (often as little as $5).
Credit union vs bank — which is better in Des Moines?
Banks are for-profit and owned by shareholders; credit unions are not-for-profit cooperatives owned by their members, so surplus comes back to members as higher savings rates, lower loan rates and fewer fees. The trade-off is membership eligibility and, sometimes, a smaller branch and ATM network.