Outside view of the Capitol Building in Des Moines, Iowa

Iowa Division of
Credit Unions


Iowa Division of Credit Unions
Efficient, Effective Regulation Since 1979

IDCU is the state agency responsible for overseeing state-chartered credit unions in Iowa.

Our Website

Information on this site is designed to be of use to the public, credit union members, and the credit union industry.

Our Mission

To safeguard the interests of credit union depositors and shareholders through the effective administration and execution of the laws relating to credit unions.

Our Vision

To provide for a regulatory environment in which Iowa credit unions can prosper, operate in a safe & sound manner, and meet the financial service needs of their members.

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Regulation, Oversight and Compliance of Iowa State Laws and Rules

Credit Unions Serve Iowans In All 99 Counties

82 State-chartered credit unions

23.8 Billion dollars in regulated assets

100 Average hours of examiner training/year

100 of credit unions examined within statutory requirement

The Iowa Division of Credit Unions Review Board

The review board is responsible for overseeing the activities of the Iowa Division of Credit Unions and serves as the primary point of accountability for ensuring that state credit unions function as a system. The seven-member board derives its authority from Iowa Code Chapter 533. The members of the review board shall be appointed by the governor subject to confirmation by the senate. The governor may appoint the members of the board from a list of nominees submitted to the governor by the credit unions located in Iowa.

Five of the members must have been members in good standing for at least the previous five years of either an Iowa state chartered credit union, or a federally chartered credit union whose principal place of business is in Iowa. Two of the members may be public members. Only five members of the board are allowed to be directors or employees of a credit union. The members shall serve for three-year staggered terms beginning and ending as provided by section 69.19.

You may reach the Iowa Division of Credit Unions review board members by contacting the IDCU Office.

To access brief biographies of board members, click the member’s name below.

The Iowa Division of Credit Unions Review Board held their 4th quarter meeting on October 12, 2020. The IDCU announces the following re-elected officer positions to the Credit Union Review Board for an additional one year term.

Becky Zemlicka, Chairperson of the board since July 2016

Scott Zahnle, Vice Chairperson of the board since July 2014

Janet Pepper, Secretary of the board from July 2016 – July 2018

Name Term Ending
 Becky Zemlicka, Chairman April 30, 2021
 Scott Zahnle, Vice-Chairman April 30, 2022
 Janet Pepper, Secretary April 30, 2023
 Dave Cale April 30, 2021
 Timothy Marcsisak April 30, 2021
 Tyler Campbell April 30, 2022
 Paddt Friedrichsen April 30, 2022

Becky Zemlicka HeadshotBecky Zemlicka is the owner of Mindz Eye Marketing, a virtual agency that specializes in credit union marketing.  Zemlicka began her work with credit unions in 1997, serving as the marketing director for a Des Moines area credit union.  In 2001, she launched Mindz Eye Marketing to serve the marketing needs of small- to mid-sized credit unions throughout Iowa, as well as a handful of businesses from other industries; in 2011, Zemlicka partnered with another credit union advocate to launch a second business, Generation Wyze, which offers turnkey financial member education services to credit unions.

Dave Cale HeadshotDave Cale is the President/CEO of Financial Plus Credit Union in Des Moines, Iowa.  Cale also serves on a number of local and national organizations including the Community Business Lenders CUSO board, the Iowa Credit Union League (ICUL) board, the Iowa Council of Credit Union Executives Society, the Credit Union National Association (CUNA) Examination and Supervision Committee and the SHAZAM, Inc. board which is Iowa’s EFT organization for financial institutions.  He is a graduate of Loras College.

Janet Pepper HeadshotJanet was raised in Minneapolis, MN. Janet served as a court reporter in the judicial system for 46 years.  Since retirement, she volunteers for political campaigns.  Janet has been a credit union member for over 40 years.  As a public member of the board, Janet tries to ensure that the Review Board activities are understood by the general public.   

Tyler Campbell Portrait ImageTyler is the Founder and Principal of FIN Strategies based in Des Moines, IA.  Tyler has worked on and led multiple political campaigns in Iowa and has been a credit union member for 10 years. Tyler is passionate about engaging in the greater community and serves on several boards and volunteer capacities including NAMA Iowa, Northern Polk Pheasants Forever, among others.

Paddy Friedrichsen HeadshotPaddy Friedrichsen has worked for Credit Unions in Sioux City for the past 28 years.  She is currently the CEO of Midwest Community Credit Union, a 30-million-dollar credit union with 3000 members.  Paddy has been active in the Northwest Iowa Chapter of Credit Unions for many years, serving as President, Vice President and Secretary.   Paddy is active in local and state politics.

Scott Zahnle HeadshotScott Zahnle is the President/CEO of Greater Iowa Credit Union, a 28,000+ member, $360 million-asset credit union headquartered in Ames, Iowa. Greater Iowa has seven retail branches throughout central and western Iowa. Prior to his appointment as Greater Iowa’s President/CEO in February 2012, Zahnle was executive vice president at IH-Mississippi Valley Credit Union, a $950 million-asset credit union headquartered in Moline, Illinois. In his 11 years there, he was directly responsible for information technology, card services, loan administration and the contact center. 

Zahnle’s tenure at Greater Iowa has been marked by dynamic progress and growth. In July 2012, the credit union surpassed the $300 million-asset mark for the first time in history. In addition to identifying Indianola as a new branch market, Zahnle completed a comprehensive study of possible branch sites throughout Iowa. Other major initiatives include the successful launch of new online and mobile banking capabilities and the addition of new retirement and investment services at the credit union. In the fall of 2013, Greater Iowa introduced a new credit card product line for credit union members along with the completion of a full core conversion.   

Zahnle is active in the credit union industry at local, state and national levels. He has served on the Iowa Credit Union League Advocacy Committee and the PSCU Strategic Advisory Group, a national industry appointment that seeks strategic solutions in the financial payment arena since 2012. In 2013 he was appointed as a member of the Iowa Credit Union Review Board, a position forwarded by the superintendent of the Iowa Credit Union Division and approved by the Governor, serving as vice chair in 2014-2015. Zahnle was appointed in 2015 to the Iowa Credit Union League Transfer System, Inc. Board of Directors, the Credit Union National Association Banking Industry Technology Secretariat (BITS) Liaisons Task Force and the Financial Services Council.  

Through community and philanthropic endeavors, Zahnle encourages promoting the common good in the communities Greater Iowa serves by helping to improve the quality of life of our members in many ways. He serves on the Leadership Committee for United Way of Story County, the Selection Committee for the Story County Alliance for Philanthropy Awards, the Ames Chamber Board Nominating Committee, the Selection Committee for the Leadership Ames Class 28 and is active in the United Way of Story County and the United Way of Central Iowa. He is also a member of the Ames Noon Rotary Club and the Ames Economic Development Commission Board of Directors.  

Zahnle holds a Bachelor of Science degree in computer science from Northern Illinois University and a Master of Business Administration Degree from the University of Iowa. 

Timothy Marcsisak HeadshotTimothy joined Nishna Valley Credit Union [Atlantic, IA] as CEO in March of 2004. He is very active in the credit union industry.  He served as a member of the Iowa Credit Union League’s board from 2005 to 2014 and was a trustee of the Credit Union Political Action Committee (CUPAC) from 2007 to 2013.  Timothy served as the President of the Southwest Iowa Chapter of Credit Union from 2007 to 2012 and remains actively involved in the chapter.    In the community, Timothy has been an emergency medical technician since 2003 and served on the Cass Atlantic Development Board (CADCO) from 2007- 2013.  Timothy received a BA degree in Business Administration and Economics from William Penn University, Oskaloosa, Iowa in 1983.