Credit union · NCUA insured
Affinity Credit Union
A $150.9M credit union headquartered in Des Moines, IA, with 12,302 members and 2 branches in Iowa. Best rates: CDs 4.06% and savings 1.00% APY.
Affinity Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#25 of 53 in Des Moines, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Affinity Credit Union
Founded in 1949, Affinity Credit Union is a member-owned cooperative financial institution with two locations in Des Moines, Iowa.
Affinity Credit Union is a certified Community Development Financial Institution (CDFI).
- Headquarters
- 475 NW Hoffman Ln, Des Moines, IA 50313-2261
- NCUA charter
- 62829
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live or work in Polk, Boone, Story, Marshall, Dallas, Jasper, Madison, Warren, Marion, Adams, Union, Page, Taylor, or Ringgold counties.
Employers and groups
- Eligibility is open to employees of Affinity Credit Union's Select Employee Groups.
Family and household
- Eligibility is open to individuals who have a family member who is an existing member of Affinity Credit Union.
Branches
2 branches in Iowa
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Iowa
2 branches
- MainMain office475 NW Hoffman Ln, Des Moines, IA 50313Directions
- South1700 E Army Post Rd, Des Moines, IA 50320Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.15% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.34% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.66% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio12.15%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.34%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Affinity Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.