Des Moines Metro Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.dmmcu.org

515-283-4195

100 University Ave
Des Moines, IA 50314

Des Moines Metro Credit Union is headquartered in Des Moines and is the 36^th largest credit union in the state of Iowa. It is also the 2,120^th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 13 employees and 7,077 members at 1 location. Des Moines Metro Credit Union's savings rates are 8X the national average, and it has an A health rating.

Field of Membership Restrictions

Des Moines Metro Credit Union is open to those who live or work in Polk County or its neighboring areas.
See current membership details

Reviews

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Des Moines Metro Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	64380
Year Chartered	1938
Employees	13
Primary Regulator

Profit Margin
Return on Assets - YTD	0.36%
Return on Equity - YTD	2.97%
Annual Interest Income	$797K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$72.7MM$70.3MM
Loans	Q1 2025vs Q1 2024	$38.6MM$37MM
Deposits	Q1 2025vs Q1 2024	$63MM$60.8MM
Equity Capital	Q1 2025vs Q1 2024	$8.7MM$8.3MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$427K$255K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$208K$301K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Des Moines Metro Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.07%^*	$500k^*	-	Super Bonus Account
OTHER TIERS: 0.75% → $5k - $25k \| 1.00% → $25k - $50k \| 1.11% → $50k - $500k
0.05%	$100	-	Regular Shares
0.05%	$25	-	Kirby Kangaroo Shares

Des Moines Metro Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.22%	$5k	-	6 Month Share Certificate
4.16%	$50k	-	13 Month Jumbo Share Certificate
4.01%	$5k	-	1 Year Share Certificate
3.85%	$5k	-	18 Month Share Certificate
3.55%	$5k	-	30 Month Share Certificate
3.03%	$5k	-	5 Year Share Certificate
3.03%	$500	-	1 Year Add-On Share Certificate

Des Moines Metro Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.22%	$250	-	6 Month IRA Share Certificate
4.16%	$50k	-	13 Month Jumbo IRA Share Certificate
4.01%	$250	-	1 Year IRA Share Certificate
3.85%	$250	-	18 Month IRA Share Certificate
3.55%	$250	-	30 Month IRA Share Certificate
3.03%	$250	-	5 Year IRA Share Certificate
0.85%	$100	-	IRA Share

Locations

Des Moines Metro Credit Union Locations
Branch Office	100 University Ave	Des Moines, IA 50314-3121

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.