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A Rate Worth Celebrating!

Celebrate 90 years of C1st! For a limited time, you can earn 4.15% APY* on a 13-Month Certificate with a $1,000 minimum.

 *GET DETAILS

13-Month Certificate Account
4.15%
Annual Percentage Yield
Money Market Account
1.75%
Annual Percentage Yield
ClubGo 
1.00%
Annual Percentage Yield
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Auto Loans

As Low As 5.09% APR*

Annual Percentage Rate
New/Used Boats, RVs, Travel Trailers

As Low As 7.69% APR*

Annual Percentage Rate
Personal Loan

As Low As 9.99% APR*

Annual Percentage Rate
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15 Year Fixed
7.000% Rate
7.202% APR *
10/1 ARM
7.000% Rate
7.188% APR *
30 Year Fixed
7.250% Rate
7.377% APR *
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Grow With Us

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What's Your C1st Story?

For 90 years, we've been part of your everyday moments, helping neighbors achieve their dreams, making unforgettable memories along the way.

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The one you choose

Why the Signature Rewards Credit Card?

Earn Cash Back on ALL purchases, Low Intro Rate, Exclusive Perks and More!

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$2.6M in Rewards Checking incentives paid in 2025
90 yearsCelebrating 90 years of dedicated service to our members
Proud to be the #1 Ag Lender in Iowa

Stay Informed

News
Community 1st Credit Union Named Top Workplace for 11th Consecutive Year
Tuesday, September 29, 2026
Community 1st Credit Union has been named a Des Moines Register Top Workplace for the 11th consecutive year.
News
2027 Annual Meeting
Monday, September 28, 2026
The 2027 Annual Meeting & Board of Directors Election of Community 1st Credit Union will be held Monday, January 25, 2027 at C1st Headquarters, 1100 Hutchinson Ave, Ottumwa, IA.
News
Marian Holmes Receives 2026 Champion of the Year Award
Friday, September 25, 2026
Community 1st Credit Union is proud to announce that Marian Holmes has been named a recipient of the Iowa Credit Union League's 2026 Champion of the Year Award.
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