|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Community 1st Credit Union Ottumwa, IA Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 25, 2026
Community 1st Credit Union Ottumwa, IA's 13 Month CD Account Special rates are at 3.90%, 60 Month CD Account rates are at 3.55%, 48 Month CD Account rates are at 3.45%, 60 Month CD Account rates are at 3.45%, 36 Month CD Account rates are at 3.40%. Community 1st Credit Union Ottumwa, IA's savings rates are at 0.15%. Community 1st Credit Union Ottumwa, IA's money market rates are at 0.70%. Community 1st Credit Union Ottumwa, IA's 15 Year Fixed rates are at 5.38%, 20 Year Fixed rates are at 5.62%, 15 Year Fixed rates are at 5.75%, 7/1 ARM rates are at 5.75%, 10/1 ARM rates are at 5.88%. Community 1st Credit Union Ottumwa, IA's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Community 1st Credit Union Ottumwa, IA with a 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 23.52%. Rates were last updated on 03/25/2026. Community 1st Credit Union Ottumwa, IA money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community 1st Credit Union Ottumwa, IA? Share your experience about Community 1st Credit Union Ottumwa, IA by leaving a review below, or read customer reviews before you decide to use Community 1st Credit Union Ottumwa, IA. Community 1st Credit Union Ottumwa, IA
Headquarters 1100 Hutchinson Ave
https://www.c1stcreditunion.com/ Ottumwa, IA 52501 
Community 1st Credit Union Ottumwa, IA CD Rates
Community 1st Credit Union Ottumwa, IA Savings Rates
Community 1st Credit Union Ottumwa, IA Money Market Rates
Community 1st Credit Union Ottumwa, IA Checking Rates
Community 1st Credit Union Ottumwa, IA Mortgage Rates
Community 1st Credit Union Ottumwa, IA Home Equity & HELOC
Community 1st Credit Union Ottumwa, IA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Community 1st Credit Union Ottumwa, IA is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Community 1st Credit Union Ottumwa, IA rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Community 1st Credit Union Ottumwa, IA's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Community 1st Credit Union Ottumwa, IA
Website
https://www.c1stcreditunion.com/
Address
1100 Hutchinson Ave,
Ottumwa, IA 52501
Phone
866-360-5370
Fax
641-683-6301
President
Courtney Jones
CEO
Gregory Hanshaw
Full-Time Employees
288
Part-Time Employees
22
Branch Locations
23
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.3 / 5.0 ★
Overall Health & Safety Grade
B- (81/100)
Texas Ratio
23.52%
Return on Assets (ROA)
0.3256%
Return on Equity (ROE)
3.0160%
Non-Performing Loans Ratio (NPL)
2.93%
Total Assets
1,042,673,037
Total Amount of Shares and Deposits
921,949,762
Total Shares and Deposits < 1 Year
852,027,239
Total Shares and Deposits 1 3 Years
66,769,599
Total Shares and Deposits > 3 Years
3,152,927
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
60,646,776
Total Uninsured Shares and Deposits > $250K (F+J)
60,646,776
Total Insured Shares and Deposits > $250K (item 17 less item K)
861,302,986
Total Interest Expense (Sum of items 6 8)
11,059,245
Share Certificates
5,899
Number of Accounts for Share Drafts
58,566
IRA KEOGH Accounts
899
Number of Accounts for Regular Shares
100,461
Non Member Deposits
132
Money Market Shares
388
Net Income (unless the amount is already included in Undivided Earnings)
3,394,607
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
57,798,019
Total Liabilities
932,128,072
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Community 1st Credit Union Ottumwa, IAIs Community 1st Credit Union Ottumwa, IA a safe place to deposit money?Yes, Community 1st Credit Union Ottumwa, IA is considered a safe financial institution. With a Texas Ratio of 23.51869099468%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Community 1st Credit Union Ottumwa, IA operate?Community 1st Credit Union Ottumwa, IA currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Community 1st Credit Union Ottumwa, IA?Yes, to access services at Community 1st Credit Union Ottumwa, IA, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Community 1st Credit Union Ottumwa, IA does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Community 1st Credit Union Ottumwa, IA provides members with tools to manage their accounts and build a solid financial history. Does Community 1st Credit Union Ottumwa, IA offer online and mobile banking?Most modern institutions like Community 1st Credit Union Ottumwa, IA provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.c1stcreditunion.com/. Current Community 1st Credit Union Ottumwa, IA Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
One Detroit Credit Union
Riverbank Federal Credit Union
MOPAC Employees Federal Credit Union
Police Federal Credit Union
California Adventist Federal Credit Union
Local 355 MD Federal Credit Union
Ocean Financial Federal Credit Union
TruChoice Federal Credit Union
Ocean State Credit Union
West Virginia Federal Credit Union
Pennsylvania Central Federal Credit Union
Southern Credit Union
Palmetto Health Credit Union
Machinists-Boilermakers Federal Credit Union
4U Federal Credit Union
Brewton Mill Federal Credit Union
Thiokol Elkton Federal Credit Union
United Federal Credit Union
Michigan One Community Credit Union
Kings Peak Credit Union
InTouch Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
