Credit Unions in Des Moines, IA
8 member-owned, NCUA-insured credit unions headquartered in or near Des Moines, serving a combined 49,530 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🇺🇸
16,367 members
Credit Unions & BankingView details →Affinity
Des Moines, IA🇺🇸
12,674 members
Credit Unions & BankingView details →Des Moines Metro
Des Moines, IA🇺🇸
7,010 members
Credit Unions & BankingView details →Journey
Des Moines, IA🇺🇸
5,151 members
Credit Unions & BankingView details →Serve
DES MOINES, IA🇺🇸
4,981 members
Credit Unions & BankingView details →Capitol View
Des Moines, IA🇺🇸
1,759 members
Credit Unions & BankingView details →Des Moines Fire Department
DES MOINES, IA🇺🇸
934 members
Credit Unions & BankingView details →Polk County
DES MOINES, IA🇺🇸
654 members
Credit Unions & BankingView details →Locations are a credit union's NCUA charter (headquarters), geocoded to the city — not its individual branches. A listing here means a credit union is based in or near Des Moines, not that it is the nearest branch to you.
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 49,530 members. The largest is Premier.
Are these the closest credit unions to me in Des Moines?
This page lists credit unions whose NCUA charter (headquarters) is based in or near Des Moines — geocoded to the city, not to individual branches. A credit union based elsewhere may still have a branch near you, and one based here may serve a wider area. 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.