Community 1st Credit Union

Headquarters

1100 Hutchinson Ave
Ottumwa, IA 52501
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Notable Rates	APY	Vs.Others
Savings	0.10%	5.50% →
1-Year CD	0.60%	4.65% →
2-Year CD	0.80%	4.25% →
5-Year CD	1.20%	4.05% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2024 Overview

General Credit Union Information

Community 1st is an NCUA insured institution located in Ottumwa, IA. It was founded in 1936 and has approximately $981.98 millions in assets.

Who can join?

Community 1st Credit Union membership is open to persons living or working in the following Iowa and Missouri Counties.

Iowa Counties:

Adair County, Adams County, Appanoose County, Audubon County, Benton County, Boone County, Carroll County, Cass County, Cedar County, Clarke County, Clinton County, Crawford County, Dallas County, Davis County, Decatur County, Des Moines County, Fremont County, Greene County, Guthrie County, Harrison County, Henry County, Iowa County, Jackson County, Jasper County, Jefferson County, Johnson County, Jones County, Keokuk County, Lee County, Linn County, Louisa County, Lucas County, Madison County, Mahaska County, Marion County, Marshall County, Mills County, Monona County, Monroe County, Montgomery County, Muscatine County, Page County, Polk County, Pottawattamie County, Poweshiek County, Ringgold County, Scott County, Shelby County, Story County, Tama County, Taylor County, Union County, Van Buren County, Wapello County, Warren County, Washington County, Wayne County

Missouri Counties:

Adair County, Knox County, Linn County, Macon County, Putnam County, Schuyler County, Scotland County, Sullivan County


NCUA Insured	Yes / State-Chartered
Charter Number #	# 68510
Date Established	1936
Assets	$981.98 million
Loans	$821.93 million
Deposits	$869.34 million
Capital	$103.04 million

Field of Membership Restrictions

Membership in Community 1St Credit Union is open to those who live or work in 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 Counties in Iowa or Adair, Knox, Linn, Macon, Putnam, Schuyler, Scotland, or Sullivan Counties in Missouri.

Deposit Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.10%	$2,500	$4,999	Learn More Reviews
Money Market	0.15%	$2,500	$2,999	Learn More Reviews
Money Market	0.15%	$10,000	$14,999	Learn More Reviews
Money Market	0.20%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.30%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.45%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.60%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.60%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.80%	$100,000	$199,999	Learn More Reviews
36 Mo CD	0.80%	$10,000	$14,999	Learn More Reviews
36 Mo CD	0.95%	$100,000	$199,999	Learn More Reviews
48 Mo CD	0.90%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.10%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.20%	$100,000	$199,999	Learn More Reviews

Int Checking Rates	APY	MIN	MAX
Int Ckg	0.20%	$1	$99	Learn MoreShow Less
Int Ckg	0.40%	$2,500	$3,499	Learn MoreShow Less

Loan Rates - December 22, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Community 1st

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1025894	6.863%	6.750%	1.00	$3,705	$2,076	Learn More
NMLS ID: 2592312 License#: RM.805266.000	6.879%	6.750%	1.00	$4,432	$2,076	Learn More
NMLS ID: 3030	7.325%	7.250%	0.75	$2,400	$2,183	Learn More
NMLS ID: 3029						Learn More

See More Mortgage Rates →

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Rate See Table	Intro APR 7.900 % After Intro: 7.900 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Community 1st
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Community 1st branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio

Community 1st Locations around zip code 43085

Branch	Distance	Map	View Lobby Hours
Washington	469.82	A	View Lobby Hours
Cedar Rapids	480.59	B	View Lobby Hours
Amana	488.36	C	View Lobby Hours
Pennsylvania	503.45	D	View Lobby Hours
Richmond	504.82	E	View Lobby Hours
Venture Drive	506.45	F	View Lobby Hours
Oskaloosa	520.29	G	View Lobby Hours
Grinnell	529.98	H	View Lobby Hours
Pella	534.97	I	View Lobby Hours
Chariton	552.04	J	View Lobby Hours
Nishna Valley Credit Union	606.97	K	View Lobby Hours
NISHNA VALLEY CREDIT UNION	644.32	L	View Lobby Hours
Albia	769.69	M	View Lobby Hours
Fairfield	786.66	N	View Lobby Hours
Centerville	788.29	O	View Lobby Hours
Bloomfield	789.42	P	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

COMMUNITY 1ST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Community 1st Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community 1st. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Community 1st	U.S. Average
2.37%	5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Community 1st had $2,598,466 in non-current loans and $10,656 in owned assets. To cover these potential losses it had $103,040,792 in net worth and $7,224,074 in loans loss reserves. That gives it a Texas Ratio of 2.37%.

Net Worth

Community 1st	U.S. Average
10.49%	13.93%

Community 1st FCU has a net worth of 10.49% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Community 1st

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