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Des Moines Metro Credit Union

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Des Moines Metro Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Des Moines Metro Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 15, 2026

You can compare Des Moines Metro Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.61%, 6-month share certificate rates at 0.75% and 3-month share certificate rates at 2.52%. Savings rates are at 0.05% and money market rates are at 3.50%. Mortgage rates on 30-year fixed loans are around 6.08%. All these rates can be compared to Des Moines Metro Credit Union rates. MonitorBankRates evaluates the financial stability of Des Moines Metro Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates were last updated on 07/15/2026.

Des Moines Metro Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Des Moines Metro Credit Union? Share your experience about Des Moines Metro Credit Union by leaving a review below, or read customer reviews before you decide to use Des Moines Metro Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.92%

Excellent Lower than avg

Des Moines Metro Credit Union
Main Office

100 University Ave
Des Moines, IA 50314 3121

https://www.dmmcu.org

Current Rate Availability

We do not have Des Moines Metro Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Des Moines Metro Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Des Moines Metro Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Des Moines Metro Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Des Moines Metro Credit Union

Website https://www.dmmcu.org

Address 100 University Ave, Des Moines, IA 50314 3121

Phone 515-283-4195

Fax 515-284-1652

President Donna Heckman

CEO Traci Stiles

Full-Time Employees 13

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.92%

Return on Assets (ROA)

0.6369%

Return on Equity (ROE)

5.2244%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

75,081,248

Total Amount of Shares and Deposits

65,014,338

Total Shares and Deposits < 1 Year

63,025,404

Total Shares and Deposits 1 3 Years

1,763,710

Total Shares and Deposits > 3 Years

225,225

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

5,655,287

Total Uninsured Shares and Deposits > $250K (F+J)

5,655,287

Total Insured Shares and Deposits > $250K (item 17 less item K)

59,359,051

Total Interest Expense (Sum of items 6 8)

588,546

Share Certificates

405

Number of Accounts for Share Drafts

3,230

IRA KEOGH Accounts

195

Number of Accounts for Regular Shares

7,694

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

478,159

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

11,123,269

Total Liabilities

65,938,874

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Des Moines Metro Credit Union earned the Verified Strong badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Des Moines Metro Credit Union

How many branches does Des Moines Metro Credit Union operate?

Des Moines Metro Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Des Moines Metro Credit Union?

Yes, to access services at Des Moines Metro Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Des Moines Metro Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Des Moines Metro Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Des Moines Metro Credit Union offer online and mobile banking?

Most modern institutions like Des Moines Metro Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dmmcu.org.