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Community 1st Credit Union (IA)


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 456th largest credit union in the nation. It was established in 1936 and as of June of 2024, it had grown to 263 employees and 68,807 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.
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Health
B+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #68510
Year Chartered1936
Employees263
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD8.1%
Annual Interest Income$26.9MM
Assets and Liabilities
AssetsQ2 2024vs Q2 2023$982MM$944.5MM
LoansQ2 2024vs Q2 2023$821.9MM$755MM
DepositsQ2 2024vs Q2 2023$869.3MM$839.6MM
Equity CapitalQ2 2024vs Q2 2023$99.9MM$89.9MM
Loan Loss AllowanceQ2 2024vs Q2 2023$8.9MM$7.2MM
Unbacked Noncurrent LoansQ2 2024vs Q2 2023$9.6MM$2.6MM
Real Estate OwnedQ2 2024vs Q2 2023$0$0
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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