Earlham Savings Bank, located at 7300 Lake Dr in West Des Moines, Iowa, is a regional financial institution with roots tied to community-focused banking. Established in a landscape of midwestern cooperative and savings institutions, the organization has evolved through periods of consolidation and regulatory change, adapting its product offerings to meet the needs of savers and borrowers within its service area. The bank’s history reflects a trajectory from traditional thrift-oriented services toward broader financial operations while retaining a local emphasis on stability and accessible banking.
The primary functions of Earlham Savings Bank include accepting deposits, providing loans, and offering related financial services that support individual and small-business customers. Its operational scope typically encompasses consumer and residential lending, deposit account management, and standard fiduciary and custodial activities expected of community banks. The institution maintains governance structures and compliance practices aligned with federal and state banking regulations, emphasizing prudent risk management, transparency, and reliability in routine day-to-day operations.
Better than 53% of providers in West Des Moines
In addition to the primary service, Earlham Savings Bank also offers:
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Earlham Savings Bank is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Earlham Savings Bank is listed as a financial service provider in West Des Moines, IA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Earlham Savings Bank to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Earlham Savings Bank, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Earlham Savings Bank with other providers in West Des Moines and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Earlham Savings Bank has a rating of 4.4, which is better than 53% of providers in West Des Moines.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Earlham Savings Bank requests. It is always best to call ahead using the phone number on this page so Earlham Savings Bank can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Earlham Savings Bank also offers: Bank, ATM.