Survey ResultsWe asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase.See the full results
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 October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 10, 2026
Community 1st Credit Union Ottumwa, IA's top rates as of October 10, 2026 are 4.15% APY on its 13 Month CD Account Special, 1.00% APY on savings, 1.75% APY on money market accounts, 0.20% APY on checking, 6.62% on its 15 Year Fixed mortgage, and personal loans from 11.40% APR, according to rates verified by MonitorBankRates. Other Community 1st Credit Union Ottumwa, IA CD rates include 60 Month CD at 3.55%, 48 Month CD at 3.45%, and 60 Month CD at 3.45%. Other Community 1st Credit Union Ottumwa, IA mortgage rates include 20 Year Fixed at 6.88%, 5/1 ARM at 6.75%, and 7/1 ARM at 6.88%. MonitorBankRates evaluates the financial stability of Community 1st Credit Union Ottumwa, IA with a 4.4 Star Rating, an B Overall Health Grade, and a Texas Ratio of 22.12%. Rates last updated and verified on 10/10/2026.
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.
Overall Health & Safety Grade
?
B
Solid HealthScore: 83/100
Overall Health & Safety Grade
Community 1st Credit Union Ottumwa, IA has earned an overall safety grade of B (Solid, Score: 83/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
4.4
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Community 1st Credit Union Ottumwa, IA has earned a Star Rating of 4.4 out of 5 stars (Excellent).
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
?
22.12%
GoodHigher than avg
Community 1st Credit Union Ottumwa, IA Texas Ratio
Community 1st Credit Union Ottumwa, IA's Texas Ratio is 22.12%, which is considered good and is higher than the national average of 6.13%.
While Community 1st Credit Union Ottumwa, IA has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Community 1st Credit Union Ottumwa, IA Health Trend
9.86% to 22.12% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.4, Health Grade A to B
The Texas Ratio for this credit union has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Community 1st Credit Union Ottumwa, IA CD Rates
Product
Rate
APY
Term
View More
13 Month Certificate Account Special
4.09%
4.15%
13 Month
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 4.15% APY · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
60 Month Certificate
3.50%
3.55%
60 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
48 Month Certificate
3.41%
3.45%
48 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
60 Month Certificate
3.41%
3.45%
60 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
36 Month Certificate
3.36%
3.40%
36 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
60 Month Certificate
3.36%
3.40%
60 Month
Min Deposit$500
Min Balance$15,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
48 Month Certificate
3.31%
3.35%
48 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
24 Month Certificate
3.26%
3.30%
24 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
36 Month Certificate
3.26%
3.30%
36 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
48 Month Certificate
3.26%
3.30%
48 Month
Min Deposit$500
Min Balance$15,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
60 Month Certificate
3.26%
3.30%
60 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
18 Month Certificate
3.16%
3.20%
18 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
24 Month Certificate
3.16%
3.20%
24 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
48 Month Certificate
3.16%
3.20%
48 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
60 Month Certificate
3.16%
3.20%
60 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
36 Month Certificate
3.11%
3.15%
36 Month
Min Deposit$500
Min Balance$15,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
48 Month Certificate
3.11%
3.15%
48 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
12 Month Certificate
3.07%
3.10%
12 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
18 Month Certificate
3.07%
3.10%
18 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
36 Month Certificate
3.07%
3.10%
36 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
24 Month Certificate
3.02%
3.05%
24 Month
Min Deposit$500
Min Balance$15,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
36 Month Certificate
3.02%
3.05%
36 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
12 Month Certificate
2.97%
3.00%
12 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
24 Month Certificate
2.97%
3.00%
24 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
18 Month Certificate
2.92%
2.95%
18 Month
Min Deposit$500
Min Balance$15,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
24 Month Certificate
2.92%
2.95%
24 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
18 Month Certificate
2.87%
2.90%
18 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
12 Month Certificate
2.82%
2.85%
12 Month
Min Deposit$500
Min Balance$15,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
18 Month Certificate
2.82%
2.85%
18 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
12 Month Certificate
2.77%
2.80%
12 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
12 Month Certificate
2.72%
2.75%
12 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
12 Month Dollar Dog Certificate Account
2.72%
2.75%
12 Month
Min Deposit$250
Min Balance$250
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
06 Month Certificate
2.18%
2.20%
6 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
06 Month Certificate
2.08%
2.10%
6 Month
Min Deposit$500
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
06 Month Certificate
1.99%
2.00%
6 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
06 Month Certificate
1.79%
1.80%
6 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
03 Month Certificate
0.95%
0.95%
3 Month
Min Deposit$500
Min Balance$250,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
03 Month Certificate
0.85%
0.85%
3 Month
Min Deposit$500
Min Balance$7,501
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
03 Month Certificate
0.70%
0.70%
3 Month
Min Deposit$500
Min Balance$500
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Savings Rates
Product
Rate
APY
View More
ClubGo Savings
1.00%
1.00%
Min Deposit$1,000
Min Balance$1,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1st Saver
0.50%
0.50%
Min Balance$0
DetailsQualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.01 - $15,000.00
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Christmas Club
0.20%
0.20%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Primary Savings
0.15%
0.15%
Min Deposit$5
Min Balance$5
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Secondary Savings
0.15%
0.15%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1st Saver: Qualifications Not Met
0.03%
0.03%
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.03% APY
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Money Market Rates
Product
Rate
APY
View More
Money Market
1.74%
1.75%
Min Deposit$2,500
Min Balance$250,001
DetailsBalance: $250,001 and over
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Money Market
1.39%
1.40%
Min Deposit$2,500
Min Balance$100,001
DetailsBalance: $100,001 - $250,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Money Market
1.14%
1.15%
Min Deposit$2,500
Min Balance$50,001
DetailsBalance: $50,001 - $100,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Money Market
0.85%
0.85%
Min Deposit$2,500
Min Balance$25,001
DetailsBalance: $25,001 - $50,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Money Market
0.70%
0.70%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500 - $25,000
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Checking Rates
Product
Rate
APY
View More
ClubGO Checking
0.20%
0.20%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Business Checking Rates
Product
Rate
APY
View More
Business Non-Profit Checking
0.20%
0.20%
Min Deposit$50
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Business Corporate Checking
0.15%
0.15%
Min Deposit$50
Min Balance$125,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Business Corporate Checking
0.10%
0.10%
Min Deposit$50
Min Balance$50,001
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Business Corporate Checking
0.05%
0.05%
Min Deposit$50
Min Balance$0
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed
6.625%
No Points
6.796%
15 Year
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.80% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
20 Year Fixed
6.875%
No Points
7.013%
20 Year
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.01% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
5/1 ARM
6.75%
No Points
7.152%
5/1 ARM
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.15% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
7/1 ARM
6.875%
No Points
7.158%
7/1 ARM
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.16% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
10/1 ARM
7.00%
No Points
7.188%
10/1 ARM
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.19% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
3/1 ARM
6.625%
No Points
7.191%
3/1 ARM
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.19% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
15 Year Fixed
7.00%
No Points
7.202%
15 Year
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.20% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
30 Year Fixed
7.25%
No Points
7.377%
30 Year
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.38% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Closed-End, Fixed-rate Home Equity Loan
-
-
6.49%
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.49% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
HELOC Flex (Fixed-Rate)
-
-
6.99%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 7 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
HELOC (Variable-Rate)
-
-
7.00%
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 22, 2026 · 7.00% APR · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Personal Loan Rates
Product
APR
Term
View More
Personal Line of Credit (Variable-Rate)
11.40%
DetailsPublished APR range: 11.40% to 19.15%.
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 11.15% → 11.40% ▲ 0.25 pts · high 11.40% / low 11.15%
Sep 22, 202611.40%▲ from 11.15%
Sep 14, 202611.15%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C Signature Rewards Card Loan
12.49%
12 billing cycles
DetailsIntro rate expires: 12 months; Regular APR: 12.49% APR - 20.49% APR; Earn 1.5% cash back on ALL purchases; APR range: 12.49% APR - 20.49% APR
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 12.24% → 12.49% ▲ 0.25 pts · high 12.49% / low 12.24%
Sep 22, 202612.49%▲ from 12.24%
Sep 14, 202612.24%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Other Rates
Product
Rate
Points
APY/APR
Term
View More
C Credit Savvy Secured Card Loan
-
-
13.49%
DetailsPurchases; This APR will vary with the market based on the Prime Rate. Balance Transfers; This APR will vary with the market based on the Prime Rate. Cash Advances; This APR will vary with the market based on the Prime Rate.; APR range: 13.49% APR - 21.49% APR
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 13.24% → 13.49% ▲ 0.25 pts · high 13.49% / low 13.24%
1 change since Sep 14, 2026 · 11.24% → 11.49% ▲ 0.25 pts · high 11.49% / low 11.24%
Sep 22, 202611.49%▲ from 11.24%
Sep 14, 202611.24%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer (Model Year: 2017-2018; Terms up to 54 months) Loan
-
-
6.69%
up to 54 months
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.69% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer (Model Year: 2019-2020; Terms up to 60 months) Loan
-
-
6.19%
up to 60 months
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.19% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer (Model Year: 2021-2022; Terms up to 66 months) Loan
-
-
5.69%
up to 66 months
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.69% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer (Model Year: 2023-2027; Terms up to 48 months) Loan
-
-
5.09%
up to 48 months
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.09% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer (Model Year: 2023-2027; Terms up to 66 months) Loan
-
-
5.29%
up to 66 months
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.29% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer Loan
-
-
7.69%
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.69% APR · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer Loan
-
-
7.19%
DetailsAs low as; * Rates are subject to change without notice. Rates shown are for qualified borrowers and may vary based on creditworthiness, loan term, and collateral. Contact us for current rates and specific loan program details.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 7.19% APR · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Consumer Loan
-
-
9.99%
DetailsAs Low As; *
Last Updated10/10/2026
Rate History
1 change since Sep 14, 2026 · 7.69% → 9.99% ▲ 2.30 pts · high 9.99% / low 7.69%
Sep 27, 20269.99%▲ from 7.69%
Sep 14, 20267.69%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Equipment Loans (Fixed Rate)
-
-
5.99%
DetailsAs Low As*
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.99% APR
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Payday Alternative Loan
-
-
19.00%
DetailsAs low as; **
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 19.00% APR · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Up to 20 Acres, Maximum Term of 15 Years Loan
6.625%
-
7.009%
15 Years
DetailsAs Low As
Last Updated10/10/2026
Rate History
2 changes since Sep 14, 2026 · 6.25% → 7.01% ▲ 0.76 pts · high 7.01% / low 6.25%
Oct 10, 20267.01%▲ from 6.76%
Sep 18, 20266.76%▲ from 6.25%
Sep 14, 20266.25%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1st Cash
2.96%
-
3.00%
Min Balance$0
DetailsQualifications Required: 15 debit card (non-ATM) transactions; be enrolled in and receive eStatements; C1st Cash: 3.00% APY will be paid on the portion of 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 of 3.00% to 0.45%, depending on the balance. If qualifications are not met, all balances in the C1st Cash will earn 0.03% APY.
Last Updated10/10/2026
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1st Cash
0.03%
-
0.03%
DetailsQualifications Required: 15 debit card (non-ATM) transactions; be enrolled in and receive eStatements; C1st Cash: 3.00% APY will be paid on the portion of 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 of 3.00% to 0.45%, depending on the balance. If qualifications are not met, all balances in the C1st Cash will earn 0.03% APY.
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
IRA
0.90%
-
0.90%
Min Deposit$100
Min Balance$100
Last Updated10/10/2026
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 6 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Financial Health History
Community 1st Credit Union Ottumwa, IA’s Texas Ratio rose from 9.86% in Q3 2023 to 22.12% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.4 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.1B
22.12%
4.4
B
March 31, 2026
$1.1B
22.66%
4.4
B-
December 31, 2025
$1.1B
24.89%
4.2
C+
September 30, 2025
$1.0B
21.04%
4.5
B
June 30, 2025
$1.1B
20.41%
4.6
B
March 31, 2025
$1.1B
11.80%
5.0
A
December 31, 2024
$1.0B
10.95%
5.0
A
September 30, 2024
$1.0B
10.82%
5.0
A
June 30, 2024
$982M
8.59%
5.0
A
March 31, 2024
$1.0B
9.22%
5.0
A
December 31, 2023
$972M
10.58%
5.0
A
September 30, 2023
$956M
9.86%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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 NameCommunity 1st Credit Union Ottumwa, IA
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
79,306,167
Total Uninsured Shares and Deposits > $250K (F+J)
79,306,167
Total Insured Shares and Deposits > $250K (item 17 less item K)
902,198,206
Total Interest Expense (Sum of items 6 8)
7,066,693
Share Certificates
5,838
Number of Accounts for Share Drafts
59,462
IRA KEOGH Accounts
872
Number of Accounts for Regular Shares
101,552
Non Member Deposits
111
Money Market Shares
407
Net Income (unless the amount is already included in Undivided Earnings)
1,700,119
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
110,156,564
Total Liabilities
990,808,781
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Community 1st Credit Union Ottumwa, IA yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Community 1st Credit Union Ottumwa, IA
Frequently Asked Questions About Community 1st Credit Union Ottumwa, IA
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
12-Month CD2.75%
18-Month CD2.85%
24-Month CD2.95%
60-Month CD3.20%
Savings1.00%
MMA1.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
