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 Community 1st Credit Union Ottumwa, IA Rates & Review September 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.
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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: September 22, 2026
Community 1st Credit Union Ottumwa, IA's 13 Month CD Account Special rates are at 4.15%, 60 Month CD rates are at 3.55%, 48 Month CD rates are at 3.45%, 60 Month CD rates are at 3.45%, 36 Month CD 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 6.38%, Mortgage - 15 Year Fixed rates are at 6.49%, 20 Year Fixed rates are at 6.62%, Mortgage - 30 Year Fixed rates are at 6.75%, 5/1 ARM rates are at 6.50%. Community 1st Credit Union Ottumwa, IA's Personal Loan Rates are as low as 11.40%. 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 22.66%. Rates last updated and verified on 09/22/2026. 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
Pennsylvania 739 Pennsylvania 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
Community 1st Credit Union Ottumwa, IA Other Rates
Financial Health HistoryCommunity 1st Credit Union Ottumwa, IA’s Texas Ratio rose from 2.63% in Q2 2023 to 22.66% in Q1 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
739 Pennsylvania Ave,
Ottumwa, IA 52501
Phone
866-360-5370
Fax
641-683-6301
President
Courtney Jones
CEO
Gregory Hanshaw
Full-Time Employees
298
Part-Time Employees
21
Branch Locations
23
ATM Locations
23
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.4 / 5.0 ★
Overall Health & Safety Grade
B- (82/100)
Texas Ratio
22.66%
Return on Assets (ROA)
0.0831%
Return on Equity (ROE)
0.7924%
Non-Performing Loans Ratio (NPL)
3.27%
Total Assets
1,098,388,070
Total Amount of Shares and Deposits
974,868,186
Total Shares and Deposits < 1 Year
910,562,338
Total Shares and Deposits 1 3 Years
61,945,652
Total Shares and Deposits > 3 Years
2,360,196
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
76,093,357
Total Uninsured Shares and Deposits > $250K (F+J)
76,093,357
Total Insured Shares and Deposits > $250K (item 17 less item K)
898,774,829
Total Interest Expense (Sum of items 6 8)
3,522,962
Share Certificates
5,923
Number of Accounts for Share Drafts
59,182
IRA KEOGH Accounts
883
Number of Accounts for Regular Shares
100,882
Non Member Deposits
116
Money Market Shares
394
Net Income (unless the amount is already included in Undivided Earnings)
913,180
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)
111,696,538
Total Liabilities
985,128,938
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About Community 1st Credit Union Ottumwa, IAHow 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.
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