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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Serve Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Serve Credit Union's 60-MONTH CD rates are at 3.87%, 48-MONTH CD rates are at 3.76%, 60-MONTH CD rates are at 3.76%, IRA & ESA CD of Deposit 48-MONTH CD rates are at 3.76%, 36-MONTH CD rates are at 3.66%. Serve Credit Union's savings rates are at 0.15%. Serve Credit Union's money market rates are at 1.46%. MonitorBankRates evaluates the financial stability of Serve Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.97%. Rates were last updated on 03/28/2026. Serve 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 Serve Credit Union? Share your experience about Serve Credit Union by leaving a review below, or read customer reviews before you decide to use Serve Credit Union. 
Serve Credit Union CD Rates
Serve Credit Union Savings Rates
Serve Credit Union Money Market Rates
Serve Credit Union Checking Rates
Serve Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Serve 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 Serve 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 Serve Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Serve Credit Union
Website
https://www.servecu.org
Address
423 E Court Ave,
Des Moines, IA 50309 2010
Phone
515-243-2677
Fax
515-243-1143
President
David Ness
CEO
Jami Weems
Full-Time Employees
17
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.97%
Return on Assets (ROA)
1.1059%
Return on Equity (ROE)
6.2562%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
97,804,172
Total Amount of Shares and Deposits
79,807,752
Total Shares and Deposits < 1 Year
76,280,159
Total Shares and Deposits 1 3 Years
2,494,085
Total Shares and Deposits > 3 Years
1,033,508
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,202,534
Total Uninsured Shares and Deposits > $250K (F+J)
2,202,534
Total Insured Shares and Deposits > $250K (item 17 less item K)
77,605,218
Total Interest Expense (Sum of items 6 8)
915,170
Share Certificates
771
Number of Accounts for Share Drafts
2,946
IRA KEOGH Accounts
124
Number of Accounts for Regular Shares
6,745
Money Market Shares
455
Net Income (unless the amount is already included in Undivided Earnings)
873,118
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,518,663
Total Liabilities
80,516,656
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Serve Credit UnionIs Serve Credit Union a safe place to deposit money?Yes, Serve Credit Union is considered a safe financial institution. With a Texas Ratio of 2.9725892442538%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Serve Credit Union operate?Serve 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 Serve Credit Union?Yes, to access services at Serve 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, Serve 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, Serve Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Serve Credit Union offer online and mobile banking?Most modern institutions like Serve 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.servecu.org. Current Serve Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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