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What better time than now?

Become a C1st member in minutes – entirely online.
It’s that fast, easy, AND affordable.

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If you live or work in the counties we serve in Iowa and Missouri and are ready to reward yourself, C1st Now is the solution for you!

With C1st Now, you can easily become a member by opening a Share Savings account.

Open Your Account

Once you’ve opened your C1st Primary Share Savings Account, you ARE a C1st member!

This means you can also use C1st Now to open any of the following accounts:

Additional Secondary Share Savings Account

Save for any goal, such as a vacation, home renovation, college, and more.

C1st Free Checking

A FREE account for everyone! No minimum account balances and no monthly service charges.

C1st Rewards Checking Accounts

The Rewards Checking Accounts options offer serious rewards when you meet the monthly qualifications (see below).

C1st Cash

• Earn up to 3.00% APY** on balances up to $15,000.

C1st Cash Back

• Get up to 3.00%** cash back on debit card purchases of $300 or less.

Both Rewards accounts are free and offer nationwide ATM fee refunds when qualifications are met.

Qualifications for the Rewards accounts:

• At least 12 debit card purchases posted and settled per qualification cycle
• Receive monthly eStatements
• Access digital banking at least once per qualification cycle

Already a member?

With C1st NOW, you can also open a credit card or auto loan in just minutes!  Don’t forget to refer your family, friends, and neighbors!

*Must live or work in the counties we serve in Iowa and Missouri. Subject to account approval.

**Annual Percentage Yields (APYs) are accurate as of the last dividend declaration date and subject to change without notice. Fees could reduce earnings on the account. Limit one account per social security number. Subject to account approval. WHEN QUALIFICATIONS ARE MET: You will receive unlimited nationwide ATM fee refunds and either a premium rate OR cash back on qualifying debit card purchases, depending on your account. C1st Cash: 3.00% APY will be paid on the portion of daily balance of $15,000 or less. Portion of daily balance over $15,000 earns an interest rate of 0.15%, resulting in an APY of 3.00% to 0.45%, depending on the balance. C1st Cash Back: 3.00% cash back up to a total of $300 in PIN-based and signature-based debit card purchases that post and settle to the account during that cycle period. Maximum cash back of up to $9.00 per monthly qualification cycle. ATM transactions do not qualify. MONTHLY QUALIFICATIONS FOR BOTH ACCOUNTS: At least 12 debit card purchases posted and settled per qualification cycle, receive monthly eStatements, access digital banking at least once per qualification cycle. IF QUALIFICATIONS ARE NOT MET: ATM fees will not be refunded. For C1st Cash: Entire balance will earn 0.03% APY. For C1st Cash Back: You will not receive cash back on your debit card purchases. QUALIFICATION CYCLE: To qualify, all transactions must post and clear your account during the monthly cycle which is defined as the calendar month; beginning on the first day of the current calendar month through the last day of the current calendar month.