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Loans

Our Credit Union Loans Come In All Shapes and Sizes.

LOAN RATES

Loans

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Getting a loan from Community 1st Credit Union is a quick and easy process. You can expect friendly service and great rates. Gain access to all these benefits and more by applying for membership today! We currently serve 57 counties in Southern and Central Iowa and 14 counties in Missouri.

Reynaldo's Experience

Meet Reynaldo, owner of Burritos Los Roy located in Market on Main in Ottumwa. Learn about Reynaldo's story and his experience with Community 1st Credit Union. C'mon in and experience the difference! We'll invest in you. Because at C1st... Together IS Better.

Get the Best Rate with Automatic Payments!

When you set up Auto-Payments, you get the best rate offered on consumer loans. Best of all, there is never a pre-payment penalty if you choose to pay your loan off early.

Additional options to enhance your loan:
  • Debt & Depreciation Protection
  • Extended Warranty
  • Guaranteed Asset Protection (GAP) Advantage
C1st NMLS# Listing:

C1st MORTGAGE loan originators &
NATIONWIDE MORTGAGE LICENSING System (NMLS) Numbers

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Take A Vacation From Your Loan Payment

It's easy!  Log in to Digital Banking and choose the month of the payment you'd like to skip (any month of the year) for any qualifying loan. 

SKIP A LOAN PAYMENT

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Click here to browse thousands of new, used and certified pre-owned vehicles from different dealers. 

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Convenient Options to Make Your Loan Payment

Digital Banking Transfer

To make a payment from a C1st account, simply transfer the funds using digital banking.

Cross-Member Transfer
Pay your credit union loans with funds located in a separate C1st membership!  We can set up cross-member transfers in digital banking.

Payroll Deduction
Have your payments automatically deducted from your direct deposit.

ACH Debit Payment
Set up preauthorized monthly payments from your account at another financial institution.

One-Time Payment
To make a one-time payment from another financial institution or credit card*, visit our Online Payment Center. There is an $8 convenience fee to use this service. This service is currently not available to pay a C1st Mortgage or C1st Credit Card.

visit our online payment center

For additional information about these credit union loans payment options, please call 866.360.5370 or email memberservice@c1stcu.com.

*Does not include Visa credit cards. Cards that are available for payments include: Visa debit card, Mastercard credit and debit cards, and Discover cards.

Mortgage / Home EquityFinding the right mortgage and home equity loan is important. That's why we personally help select the loan that fits your needs in life. Vehicle LoansAutos, recreational vehicles, boats, motorcycles, motor homes, and travel trailers. Personal LoansA loan for whatever you need and no collateral is required. Student LoanDon't let gaps in federal funding keep you from getting your education. Student Loan RefinanceRefinance and consolidate your private and federal student loans into one manageable loan. Loan Rates
 Mortgage Rates
 Online Loan ApplicationsWhether you're looking for a new vehicle, a credit card, or even your dream home, you can easily apply online for your loan in just a few minutes!

Have a question for one of our C1st representatives?

Schedule an Appointment