Community 1st Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
NISHNA VALLEY CREDIT UNION	200 MAPLE ST, ATLANTIC, IA 50022	View Lobby Hours
Nishna Valley Credit Union	PO Box 44, Creston, IA 50801	View Lobby Hours
Centerville	999 N 18th St, Centerville, IA 52544	View Lobby Hours
Bloomfield	301 E Franklin St, Bloomfield, IA 52537	View Lobby Hours
Fairfield	2501 W Burlington Ave, Fairfield, IA 52556	View Lobby Hours
Albia	1420 S Clinton St, Albia, IA 52531	View Lobby Hours
Venture Drive	1940 Venture Dr, Ottumwa, IA 52501	View Lobby Hours
Chariton	1934 Court Ave, Chariton, IA 50049	View Lobby Hours
Richmond	235 Richmond Ave, Ottumwa, IA 52501	View Lobby Hours
Pella	500 Main St, Pella, IA 50219	View Lobby Hours
Grinnell	205 West St, Grinnell, IA 50112	View Lobby Hours
Washington	303 S 2nd Ave, Washington, IA 52353	View Lobby Hours
Amana	2800 220th Trl, Amana, IA 52204	View Lobby Hours
Oskaloosa	1506 A Ave E, Oskaloosa, IA 52577	View Lobby Hours
Pennsylvania	739 Pennsylvania Ave, Ottumwa, IA 52501	View Lobby Hours
Cedar Rapids	1030 Sierra Dr NE, Cedar Rapids, IA 52402	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 292473	6.494%	6.375%	0.63	$3,998	$1,997	Learn More
NMLS ID: 1067	6.564%	6.490%	0.75	$2,464	$2,021	Learn More
NMLS ID: 613839	6.727%	6.624%	0.50	$3,420	$2,049	Learn More
NMLS ID: 399799	6.729%	6.625%	0.75	$3,612	$2,049	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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