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Credit union · NCUA insured

Serve Credit Union

Top Carrot, Carrot Score 95Top Carrot

A $100.9M credit union headquartered in Des Moines, IA, with 4,977 members and 2 branches in Iowa. Best rates: CDs 4.80% and savings 1.46% APY.

Serve Credit Union Carrot Score

Carrot ScoreTop Carrot

Higher than 98% of U.S. banks and credit unions

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#2 of 53 in Des Moines, IA metroHow the score works →

Deposits are federally insured by the NCUA up to $250,000 per depositor.

About Serve Credit Union

Founded in 1931 as the Des Moines Police Officer's Credit Union, Serve Credit Union is headquartered in Des Moines, Iowa.

State-chartered in 1931, it operates as a member-owned cooperative financial institution.

After merging with USDA Credit Union and Polk County School Employees Credit Union, it adopted the Serve Credit Union name in 2017.

Headquarters
423 E Court Ave, Des Moines, IA 50309-2010
NCUA charter
65150
Visit institution website ↗

Membership

Who can join

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of Serve Credit Union are eligible for membership.
  • Employees, volunteers, retired personnel, and members of health/medical care facilities and organizations who live, work, or worship in Polk County or contiguous counties (Dallas, Boone, Story, Jasper, Marion, Warren, and Madison) are eligible for membership.
  • Employees of small employee groups approved by the Superintendent are eligible for membership.

Military, government and schools

  • Teachers, administrators, employees, board members, volunteers, retired personnel, and members of schools, recognized private homeschooling, and educational associations/entities within the State of Iowa are eligible for membership.
  • Employees, volunteers, and retired personnel of any federal, state, county, or city governmental agencies within the State of Iowa are eligible for membership.
  • Employees, volunteers, retired personnel, and members of public agencies, associations, institutions, departments, and government entities within the State of Iowa that enforce laws, rules, and ordinances or protect life and property are eligible for membership.
3 more ways to join

Family and household

  • Persons in the same household as a current member, or persons related to a member or spouse by blood or marriage, and relatives of a deceased member are eligible for membership.

Other ways

  • Members of Polk County Schools Employees Credit Union as of October 1, 2016 are eligible for membership.
  • Members of USDA Credit Union as of May 1, 2015 are eligible for membership.

Cost to join

  • Members must fund the membership at opening with a minimum deposit of $25 into the Basic Share / par share.

Branches

2 branches in Iowa

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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.