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Community 1st Credit Union (IA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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 435th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 283 employees and 72,173 members at 24 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68510
Year Chartered1936
Employees283
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD4.95%
Annual Interest Income$14.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.06B$1.01B
LoansQ1 2025vs Q1 2024$889.9MM$786.1MM
DepositsQ1 2025vs Q1 2024$945.7MM$897.3MM
Equity CapitalQ1 2025vs Q1 2024$107.9MM$97.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$10.1MM$8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$14.2MM$10.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
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 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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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