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Sleigh This Holiday!

With three financially savvy moves. Enjoy our low intro-rate Flex Rewards Card, secure a personal loan at a low rate, or save in a flash with Skip a Pay.

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60-Month Certificate Account
3.55%
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 5.39% APR*

Annual Percentage Rate
Flex Home Equity LOC: 6-Month Intro Rate

1.00%

Annual Percentage Rate
Personal Loan

As Low As 9.99% APR*

Annual Percentage Rate
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15 Year Fixed
5.500% Rate
5.686% APR *
10/1 ARM
6.250% Rate
6.394% APR *
30 Year Fixed
6.000% Rate
6.113% APR *
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Hand holding three credit cards

Low Intro Rate Credit Cards.

Choose between our Flex Rewards, Signature Rewards, and Smart Rate to enjoy a low intro rate for 12 months on purchases and balance transfers. All of our cards offer a variety of features and benefits – pick the one that fits you best!

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That's so six

An offer you don't want to miss. 

With our Rewards Checking offer, you choose between earning higher interest or getting more cash back on your debit card purchases and you'll get unlimited nationwide ATM fee refunds when you meet monthly qualifications. 

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$2.2M in Rewards Checking incentives paid in 2024
85 plusyears of dedicated service to our members
Proud to be the #1 Ag Lender in Iowa

Stay Informed

News
Together: We're Here for You!
Friday, October 24, 2025
At C1st, Together IS Better. We know it's imperative to provide solutions to alleviate your financial stress. If you are affected by the recent government shutdown, we're available to discuss your personal financial situation, and ready to work together to avoid possible hardships.
News
Community 1st Credit Union Welcomes Two Ottumwa Leaders to Its Board of Directors
Friday, October 17, 2025
Community 1st Credit Union is honored to announce the appointment of Curt Hopkins and Brian McWilliams to its Board of Directors.
News
Community 1st Credit Union CEO Honored with 2025 ICUF Community Impact Award
Thursday, October 16, 2025
Community 1st Credit Union proudly announces that its President and CEO, Greg Hanshaw, has been recognized with the prestigious Iowa Credit Union Foundation (ICUF) Community Impact Award.
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