Des Moines Metro Credit Union is insured by the National Credit Union Administration. Your shares are insured up to at least $250,000. Click here for details.
We offer a variety of savings options, including:
- Share Savings Accounts
- Super Bonus Accounts
- Share Certificates
- Individual Retirement Accounts
- Christmas/Vacation Savings Accounts
- Kirby Kangaroo Club
Share Savings Accounts: We have a basic savings account that requires a minimum $25, and you'll earn an annual percentage yield on your balances $100 and over. This basic savings account makes you and owner/member of the credit union. Dividends are compounded monthly. Go to Savings Rates for current rates.
Super Bonus Accounts: This account is for investors who want high earnings but need more flexibility than a share certificate offers. It takes $5,000 to start a super bonus account, and you'll earn an annual percentage yield on your balance. Money can be taken out as often as you like, but you must maintain a $5,000 minimum balance to earn the APY. Dividends are compounded monthly. With tiers starting at balances of $5,000, $25,000, and $50,000, this tiered Super Bonus Account is the perfect way for you to invest your money. The higher the tier, the higher the rate of return you will earn. Go to Savings Rates for current rates.
Share Certificates: For larger investments, we offer 6, 12, 13, 18, 30, and 60-month share certificates. Dividends are compounded quarterly. If you're looking for a secure investment at a competitive rate, a share certificate may be the best option for you. Go to Savings Rates for current rates.
Individual Retirement Accounts (IRAs): An IRA allows you to set aside funds for your retirement and may reward you by deferring income taxes until the year you withdraw the funds. We offer Traditional, Roth, and Educational IRAs. Remember, your combined IRA savings and IRA certificates are insured up to $250,000 by the National Credit Union Administration, an agency of the US Government, in addition to the insurance of up to $250,000 on regular savings and regular certficates. Dividends are compounded quarterly. Go to Savings Rates for current rates.
Christmas/Vacation Savings Accounts: Our Christmas Club and/or Vacation Club accounts are designed to help you save for the holidays, vacation, or for any special occasion, and you'll earn dividends on your balances $100 and over. Dividends are compounded monthly. Go to Savings Rates for current rates.
Kirby Kangaroo Club: For kids 12 and under, we have a special savings club designed to encourage and help teach children to save money. All it takes to open the account is a $5 deposit. Kids earn dividends on $25 and over, and we have a special membership card for Kirby members and special activities throughout the year. They even receive a card from Kirby on their birthday! Dividends are compounded monthly. Go to Savings Rates for current rates.
Click here to visit the Kirby Kangaroo Club web site.