Serve Credit Union

Headquarters

423 E Court Ave
Des Moines, IA 50309
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ACH 273073958

Notable Rates APY Vs.Others
Savings 0.15% 4.35% →
1-Year CD 0.75% 4.59% →
2-Year CD 0.90% 4.65% →
5-Year CD 1.12% 4.95% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

Serve is an NCUA insured institution located in Des Moines, IA. It was founded in 1932 and has approximately $100.95 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 65150
Date Established 1932
Assets $100.95 million
Loans $72.20 million
Deposits $82.34 million
Capital $17.87 million
 

Field of Membership Restrictions

Am I Eligible? Membership of this credit union shall consist of: Employees, volunteers and retired personnel of public safety agencies located within the State of Iowa that enforce laws, rules and ordinances, or protect life and property from fire or injury; Employees, volunteers and retired personnel of any federal, state, county, or city governmental agencies who lives, works, or worships within Polk County or the contiguous counties of Dallas, Boone, Story, Jasper, Marion, Warren, and Madison; US… Department of Agriculture Employees in Iowa; Employees, board members, volunteers, retired personnel of all schools in Polk County and contiguous counties of Dallas, Boone, Story, Jasper, Marion, Warren and Madison; Employees of Serve Credit Union; Employees of small employee groups: Hawkeye Security Insurance Company, L.B. and B Associates Inc., NASDA Enumerators and Stewardship Statistics Bureau; Public safety associations, institutions, departments, governmental entities, organizations and their members within the State of Iowa that enforce laws, rules and ordinances or protect life and property from fire or injury; Members who have separated employment prior to retirement and have maintained continuous membership status; Members of Polk County Schools Employees Credit Union as of the date of merger, October 1, 2016; Members of USDA credit union as of the merger date, May 1st 2015; Including family members. Family members shall include persons in the same household, and persons related to the member by the first, second or third degree of consanguinity or affinity, including foster children, adoptive children, and such relatives of a deceased member;

Deposit Rates - October 1, 2026

Your Current Location: New Mexico, NM

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $1,000 $49,999 Learn More
6 Mo CD
0.60% $100,000 - Learn More
12 Mo CD
0.55% $1,000 $49,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.70% $1,000 $49,999 Learn More
24 Mo CD
0.90% $100,000 - Learn More
36 Mo CD
0.75% $1,000 $49,999 Learn More
36 Mo CD
0.95% $100,000 - Learn More
48 Mo CD
0.85% $1,000 $49,999 Learn More
48 Mo CD
1.06% $100,000 - Learn More
60 Mo CD
0.90% $1,000 $49,999 Learn More
60 Mo CD
1.12% $100,000 - Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 1, 2026

Your Current Location: New Mexico, NM

There are currently no loan rates available for Serve

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - New Mexico 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - New Mexico Home Equity Line Of Credit Rates 2026

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Note to Serve
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Branches

Below are Serve branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Clovis,New Mexico



Climate Policy and Initiatives

SERVE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Serve Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Serve. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Serve U.S. Average
8.80% 6.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2025, Serve had $1,605,304 in non-current loans and $0 in owned assets. To cover these potential losses it had $17,870,804 in net worth and $378,822 in loans loss reserves. That gives it a Texas Ratio of 8.80%.

Net Worth
Serve U.S. Average
17.7% 14.48%

Serve FCU has a net worth of 17.7% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Serve

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