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LET'S ADDRESS IT!

Rates are rising, but now is still a great time to buy or refinance your  home!  Get up to $2,000 off closing costs!*

*GET DETAILS

C1st Cash Checking
3.00%
Annual Percentage Yield
C1st Platinum Checking
0.40%
Annual Percentage Yield
C1st Interest Checking
0.20%
Annual Percentage Yield
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60 Month Certificate Account
1.15%
Annual Percentage Yield
Money Market Account
0.65%
Annual Percentage Yield
ClubGo 
0.60%
Annual Percentage Yield
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Auto Loans
3.89%
Annual Percentage Rate
Flex Home Equity LOC: 6-Month Intro Rate
1.00%
Annual Percentage Rate
Personal Loan
8.49%
Annual Percentage Rate
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15 Year Fixed
4.625% Rate
4.812% APR *
10/1 ARM
4.625% Rate
5.082% APR *
30 Year Fixed
5.000% Rate
5.109% APR *
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Vehicle Refi Special + 90 Day No Pay

Save with a Vehicle Refi!

Move your vehicle loan to C1st and place the savings into your next adventure. Get up to 2.00% off your current vehicle loan rate and enjoy no payments for 90 days. What a great way to roll into that summer fun!

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Say Hello to Cash Back in Your Checking!

If you prefer online banking and use a debit card, you could qualify for some serious cash. And with either of our Rewards Checking Accounts, you'll enjoy unlimited nationwide ATM fee refunds when requirements are met. Both checking accounts are free, and require no minimum balance. 

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$1.6+ Million in Rewards Checking incentives paid in 2021
85+ yearsDedicated to serving our members for 85+ years
Proud to be the #1 Ag Lender in Iowa

Stay Informed

Blog
Be the Light Walk
Monday, August 8, 2022
Join us for the first annual Suicide Prevention GLOW Walk on September 1st, 6:30 PM at the IHCC Ottumwa Campus. This family friendly event will feature mental health providers and resources from across our community.
News
Get up to $2,000 off closing costs!*
Monday, August 1, 2022
Rates are rising, but now is still a great time to buy or refinance your home! Get the details here!
Blog
Tips for Choosing Personal Loans for Emergencies
Monday, July 25, 2022
If you suddenly need a large amount of money to pay off a medical expense, car repair, or debt, emergency loans can come in handy. There are a few types of emergency loans, but one of the most commonly used types is personal loans.