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Community 1st Credit Union (IA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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 444th largest credit union in the nation. It was established in 1936 and as of September of 2024, it had grown to 266 employees and 69,212 members at 22 locations. Community 1st Credit Union (IA)'s money market rates are 4X the national average, and it has a B+ 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
B+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68510
Year Chartered1936
Employees266
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD8.65%
Annual Interest Income$41.2MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.01B$956.3MM
LoansQ3 2024vs Q3 2023$849.7MM$770.8MM
DepositsQ3 2024vs Q3 2023$897.9MM$850.5MM
Equity CapitalQ3 2024vs Q3 2023$103.2MM$92.8MM
Loan Loss AllowanceQ3 2024vs Q3 2023$9.3MM$7.3MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$12.4MM$10.3MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/24/2025
4.55%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
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
0.90%$100-IRA Shares
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 Club Add-On 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
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