Community 1st Credit Union
Headquarters
1100 Hutchinson Ave
Ottumwa, IA 52501
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2024 Overview
General Credit Union Information
Community 1st is an NCUA insured institution located in Ottumwa, IA. It was founded in 1936 and has approximately $971.88 millions in assets.
Who can join?
Community 1st Credit Union membership is open to persons living or working in the following Iowa and Missouri Counties.
Iowa Counties:
Adair County, Adams County, Appanoose County, Audubon County, Benton County, Boone County, Carroll County, Cass County, Cedar County, Clarke County, Clinton County, Crawford County, Dallas County, Davis County, Decatur County, Des Moines County, Fremont County, Greene County, Guthrie County, Harrison County, Henry County, Iowa County, Jackson County, Jasper County, Jefferson County, Johnson County, Jones County, Keokuk County, Lee County, Linn County, Louisa County, Lucas County, Madison County, Mahaska County, Marion County, Marshall County, Mills County, Monona County, Monroe County, Montgomery County, Muscatine County, Page County, Polk County, Pottawattamie County, Poweshiek County, Ringgold County, Scott County, Shelby County, Story County, Tama County, Taylor County, Union County, Van Buren County, Wapello County, Warren County, Washington County, Wayne County
Missouri Counties:
Adair County, Knox County, Linn County, Macon County, Putnam County, Schuyler County, Scotland County, Sullivan County
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68510 |
| Date Established | 1936 |
| Assets | $971.88 million |
| Loans | $778.35 million |
| Deposits | $862.97 million |
| Capital | $98.99 million |
Field of Membership Restrictions
Membership in Community 1St Credit Union is open to those who live or work in Adair, Adams, Appanoose, Audubon, Benton, Boone, Carroll, Cass, Cedar, Clarke, Clinton, Crawford, Dallas, Davis, Decatur, Des Moines, Fremont, Greene, Guthrie, Harrison, Henry, Iowa, Jackson, Jasper, Jefferson, Johnson, Jones, Keokuk, Lee, Linn, Louisa, Lucas, Madison, Mahaska, Marion, Marshall, Mills, Monona, Monroe, Montgomery, Muscatine, Page, Polk, Pottawattamie, Poweshiek, Ringgold, Scott, Shelby, Story, Tama, Taylor, Union, Van Buren, Wapello, Warren, Washington, or Wayne Counties in Iowa or Adair, Knox, Linn, Macon, Putnam, Schuyler, Scotland, or Sullivan Counties in Missouri.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.15% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.20% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.20% | $1 | $99 | Learn More |
| Int Ckg
|
0.40% | $2,500 | $3,499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Community 1st
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2059741 |
6.905% | 6.750% | 1.00 | $5,094 | $2,076 | Learn More |
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: 491986 |
Learn More | |||||
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Community 1st
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Branches
Below are Community 1st branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
COMMUNITY 1ST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Community 1st Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Community 1st. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Community 1st | U.S. Average |
|---|---|
| 7.90% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Community 1st had $8,381,318 in non-current loans and $10,656 in owned assets. To cover these potential losses it had $98,992,034 in net worth and $7,224,074 in loans loss reserves. That gives it a Texas Ratio of 7.90%.
Net Worth
| Community 1st | U.S. Average |
|---|---|
| 10.19% | 13.62% |
Community 1st FCU has a net worth of 10.19% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Community 1st
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