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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 Primary Share Savings account.

Open Your Account

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

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

Secondary 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 account options offer serious rewards when you meet the monthly qualifications (see below).

C1st Cash

• Earn up to 6.00% APY** on balances up to $15,000.

C1st Cash Back

• Get up to 6.00%** 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 apply for a credit card or auto loan in just minutes. Don’t forget to refer your family, friends, and neighbors!

APPLY NOW!

*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: New checking members meeting monthly qualifications will earn 6.00% Annual Percentage Yield (APY) on the portion of the daily balance of $15,000 or less for the first 6 months after account opening. After the 6-month period, the account will revert to the premium rate of 3.00% APY on the portion of the 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 for new checking members of 6.00% to 0.15% and for other members of 3.00% to 0.15%, depending on the balance. C1ST CASH BACK: During the first 6 months after account opening, when qualifications are met, receive 6.00% cash back up to a total of $300 in debit card purchases that post and settle to the account during the cycle period. Maximum cash back of $18.00 during that time. Max cash back does change after 6 months to the normal $9.00 max. ATM transactions do not qualify. After the 6-month period, when qualifications are met, the account will revert to the 3.00% cash back up to a total of $300 for debit card purchases that post and settle to the account during the cycle period. 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 FOR BOTH: ATM fees will not be refunded. FOR C1ST CASH: Entire balance will earn 0.03% APY. FOR CASH BACK: You will not receive cash back on your debit card purchases. 

Have a question for one of our C1st representatives?

Schedule an Appointment