Your 81st Annual Membership Meeting is Thursday, May 1, 2025!

All members are encouraged to attend this year’s Annual Membership Meeting at the Des Moines Botanical Center. Doors and voting opens at 5PM & dinner is served at 6PM. Take a moment to meet your board candidates, request an absentee ballot and purchase your $10 tickets by April 25th.

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Buying or Refinancing a Home – How to Know When the Time is Right

April 1, 2025
Buying or Refinancing a Home – How to Know When the Time is Right

Thinking about buying a home or refinancing your current mortgage? Our free mortgage review is here to help you take the next step with confidence. Whether you’re just starting your homeownership journey or exploring ways to save on your current loan, this quick, no-pressure meeting is the perfect place to start.

What to Expect in Your Review 🤔

Visit with our mortgage expert, Tim Wells, for 20 minutes (via phone or in-person) to discuss:

Purchasing a home: Tim will guide you through the process and help you navigate every step, including:

👀 How to know when it’s time to start looking.

🏡 How to determine an affordable home price based on your income and desired monthly payments.

📜 An explanation of and estimates for PMI, taxes, escrow, closing costs and more.

Refinancing: Tim will provide honest advice on whether refinancing makes sense for you, even if the answer is, “It’s not the right time.”

Considering debt consolidation: Together you and Tim can explore how rolling debt into your mortgage could simplify your finances with one manageable payment.

When to Start ⌚

Whether you’re ready to save, ready to buy, or have been thinking about the idea of a refi, scheduling your mortgage review now will help you:

  • set clear goals
  • manage expectations
  • answer those “I wonder” questions
  • give you all the information you need to make some decisions

Plus, it’s free! What have you got to lose?

Complete our short interest form to get the ball rolling.

Learn more here.

Published April 1, 2025

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

You've seen all the low rates the auto dealers have been offering if you finance your new vehicle with them, but is this the best deal for you?

If you were to take the rebate, apply it to the cost of the vehicle and borrow the rest of the money from us, chances are your payment would be lower and you would save interest as well.

Fill out the form below using the cost of the vehicle, the total rebate, the dealer's interest rate, Credit Union's interest rate, and the length of the loan. Estimated payments will be calcualted, depending on where you borrow the money.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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