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Community 1st Credit Union (IA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.c1stcreditunion.com
641-638-5015
235 Richmond Ave
Ottumwa, IA 52501

Community 1st Credit Union (IA) is headquartered in Ottumwa and is the 6th largest credit union in the state of Iowa. It is also the 436th largest credit union in the nation. It was established in 1936 and as of December of 2024, it had grown to 283 employees and 72,150 members at 24 locations. Community 1st Credit Union (IA)'s money market rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Community 1st Credit Union is open to those who live or work in the Iowa counties of Adair, Adams, Appanoose, Audubon, Benton, Boone, Carroll, Cass, Cedar, Clarke, Clinton, Crawford, Dallas, Davis, Decatur, Des Moines, Fremont, Greene, Guthrie, Harrison, Henry, Iowa, Jackson, Jasper, Jefferson, Johnson, Jones, Keokuk, Lee, Linn, Louisa, Lucas, Madison, Mahaska, Marion, Marshall, Mills, Monona, Monroe, Montgomery, Muscatine, Page, Polk, Pottawattamie, Poweshiek, Ringgold, Scott, Shelby, Story, Tama, Taylor, Union, Van Buren, Wapello, Warren, Washington, or Wayne, or the Missouri counties of Adair, Atchison, Gentry, Harrison, Knox, Linn, Macon, Mercer, Nodaway, Putnam, Schuyler, Scotland, Sullivan, or Worth.
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68510
Year Chartered1936
Employees283
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD8.19%
Annual Interest Income$55.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.04B$971.9MM
LoansQ4 2024vs Q4 2023$880.1MM$778.3MM
DepositsQ4 2024vs Q4 2023$922.9MM$863MM
Equity CapitalQ4 2024vs Q4 2023$106.3MM$95.7MM
Loan Loss AllowanceQ4 2024vs Q4 2023$10.8MM$7.4MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$13.1MM$11.2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community 1st Credit Union (IA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1k-Club GO Savings
0.50%*$0$15kC1st Saver
OTHER TIERS: 0.25% → $15k+
0.20%$0-Christmas Club
0.15%$5-Primary Share Savings
0.15%$0-Secondary Share Savings

Community 1st Credit Union (IA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%*$250k*-Money Market Account
OTHER TIERS: 0.70% → $2.5k - $25k | 0.85% → $25k - $50k | 1.15% → $50k - $100k | 1.40% → $100k - $250k

Community 1st Credit Union (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$15kC1st Cash Checking
OTHER TIERS: 0.15% → $15k+
0.20%$0-Non-Profit Checking
0.20%$0-Club GO Checking
0.15%*$125k*-Corporate Checking
OTHER TIERS: 0.05% → $0 - $50k | 0.10% → $50k - $125k

Community 1st Credit Union (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%*$250k*-60 Month CD
OTHER TIERS: 3.20% → $500 - $7.5k | 3.30% → $7.5k - $15k | 3.40% → $15k - $50k | 3.45% → $50k - $250k
3.45%*$250k*-48 Month CD
OTHER TIERS: 3.15% → $500 - $7.5k | 3.20% → $7.5k - $15k | 3.30% → $15k - $50k | 3.35% → $50k - $250k
3.40%*$250k*-36 Month CD
OTHER TIERS: 3.05% → $500 - $7.5k | 3.10% → $7.5k - $15k | 3.15% → $15k - $50k | 3.30% → $50k - $250k
3.30%*$250k*-24 Month CD
OTHER TIERS: 2.95% → $500 - $7.5k | 3.00% → $7.5k - $15k | 3.05% → $15k - $50k | 3.20% → $50k - $250k
3.20%*$250k*-18 Month CD
OTHER TIERS: 2.85% → $500 - $7.5k | 2.90% → $7.5k - $15k | 2.95% → $15k - $50k | 3.10% → $50k - $250k
3.10%*$250k*-12 Month CD
OTHER TIERS: 2.75% → $500 - $7.5k | 2.80% → $7.5k - $15k | 2.85% → $15k - $50k | 3.00% → $50k - $250k
2.75%$250-12 Month Dollar Dog CD
2.20%*$250k*-6 Month CD
OTHER TIERS: 1.80% → $500 - $7.5k | 2.00% → $7.5k - $50k | 2.10% → $50k - $250k
0.95%*$250k*-3 Month CD
OTHER TIERS: 0.70% → $500 - $7.5k | 0.85% → $7.5k - $250k

Community 1st Credit Union (IA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%*$250k*-60 Month IRA
OTHER TIERS: 3.20% → $500 - $7.5k | 3.30% → $7.5k - $15k | 3.40% → $15k - $50k | 3.45% → $50k - $250k
3.45%*$250k*-48 Month IRA
OTHER TIERS: 3.15% → $500 - $7.5k | 3.20% → $7.5k - $15k | 3.30% → $15k - $50k | 3.35% → $50k - $250k
3.40%*$250k*-36 Month IRA
OTHER TIERS: 3.05% → $500 - $7.5k | 3.10% → $7.5k - $15k | 3.15% → $15k - $50k | 3.30% → $50k - $250k
3.30%*$250k*-24 Month IRA
OTHER TIERS: 2.95% → $500 - $7.5k | 3.00% → $7.5k - $15k | 3.05% → $15k - $50k | 3.20% → $50k - $250k
3.20%*$250k*-18 Month IRA
OTHER TIERS: 2.85% → $500 - $7.5k | 2.90% → $7.5k - $15k | 2.95% → $15k - $50k | 3.10% → $50k - $250k
3.10%*$250k*-12 Month IRA
OTHER TIERS: 2.75% → $500 - $7.5k | 2.80% → $7.5k - $15k | 2.85% → $15k - $50k | 3.00% → $50k - $250k
0.90%$100-IRA Shares
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