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Community 1st Credit Union Ottumwa, IA Rates & Review November 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 30, 2026
Community 1st Credit Union Ottumwa, IA's CD Account - 60 Month rates are at 3.55%, CD Account - 48 Month rates are at 3.45%, CD Account - 36 Month rates are at 3.40%, CD Account - 24 Month rates are at 3.30%, CD Account - 18 Month rates are at 3.20%. Community 1st Credit Union Ottumwa, IA's savings rates are at 1.00%. Community 1st Credit Union Ottumwa, IA's money market rates are at 1.75%. Community 1st Credit Union Ottumwa, IA's checking rates are as high as 0.20%. Community 1st Credit Union Ottumwa, IA's In-House Loan - 15 Year Fixed rates are at 6.62%, In-House Loan - 20 Year Fixed rates are at 6.88%, In-House Loan - 5/1 ARM rates are at 6.75%, In-House Loan - 7/1 ARM rates are at 6.88%, In-House Loan - 10/1 ARM rates are at 7.00%. Community 1st Credit Union Ottumwa, IA's Personal Loan Rates are as low as 9.99%. Community 1st Credit Union Ottumwa, IA's CD rates are 2% higher than the MonitorBankRates national average, and it has a B health rating. 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 10/30/2026.
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 Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 4.15% APY · checked 7 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 60 Month
3.50%
3.55%
60 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.55% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 48 Month
3.41%
3.45%
48 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 60 Month
3.41%
3.45%
60 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.45% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 36 Month
3.36%
3.40%
36 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 60 Month
3.36%
3.40%
60 Month
Min Deposit$500
Min Balance$15,001
DetailsBalance tier begins at $15,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.40% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 48 Month
3.31%
3.35%
48 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.35% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 24 Month
3.26%
3.30%
24 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 36 Month
3.26%
3.30%
36 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 48 Month
3.26%
3.30%
48 Month
Min Deposit$500
Min Balance$15,001
DetailsBalance tier begins at $15,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 60 Month
3.26%
3.30%
60 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.30% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 18 Month
3.16%
3.20%
18 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 24 Month
3.16%
3.20%
24 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 48 Month
3.16%
3.20%
48 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 60 Month
3.16%
3.20%
60 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.20% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 36 Month
3.11%
3.15%
36 Month
Min Deposit$500
Min Balance$15,001
DetailsBalance tier begins at $15,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 48 Month
3.11%
3.15%
48 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.15% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 12 Month
3.07%
3.10%
12 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 18 Month
3.07%
3.10%
18 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 36 Month
3.07%
3.10%
36 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.10% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 24 Month
3.02%
3.05%
24 Month
Min Deposit$500
Min Balance$15,001
DetailsBalance tier begins at $15,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.05% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 36 Month
3.02%
3.05%
36 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.05% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 12 Month
2.97%
3.00%
12 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 24 Month
2.97%
3.00%
24 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 18 Month
2.92%
2.95%
18 Month
Min Deposit$500
Min Balance$15,001
DetailsBalance tier begins at $15,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.95% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 24 Month
2.92%
2.95%
24 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.95% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 18 Month
2.87%
2.90%
18 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.90% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 12 Month
2.82%
2.85%
12 Month
Min Deposit$500
Min Balance$15,001
DetailsBalance tier begins at $15,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.85% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 18 Month
2.82%
2.85%
18 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.85% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 12 Month
2.77%
2.80%
12 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.80% APY · checked 3 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 Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 12 Month
2.72%
2.75%
12 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 06 Month
2.18%
2.20%
6 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.20% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 06 Month
2.08%
2.10%
6 Month
Min Deposit$500
Min Balance$50,001
DetailsBalance tier begins at $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.10% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 06 Month
1.99%
2.00%
6 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 06 Month
1.79%
1.80%
6 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 1.80% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 03 Month
0.95%
0.95%
3 Month
Min Deposit$500
Min Balance$250,001
DetailsBalance tier begins at $250,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.95% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 03 Month
0.85%
0.85%
3 Month
Min Deposit$500
Min Balance$7,501
DetailsBalance tier begins at $7,501
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.85% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Certificate Account - 03 Month
0.70%
0.70%
3 Month
Min Deposit$500
Min Balance$500
DetailsBalance tier begins at $500
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.70% APY · checked 3 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
DetailsDividend Rate 1.00%; APY 1.00%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
IRA Share
0.90%
0.90%
Min Deposit$100
Min Balance$100
DetailsDividends compounded and credited quarterly; dividends calculated by daily balance method
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.90% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Christmas Club
0.20%
0.20%
DetailsDividend Rate 0.20%; APY 0.20%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 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
DetailsDividend Rate 0.15%; APY 0.15%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Secondary Savings
0.15%
0.15%
DetailsDividend Rate 0.15%; APY 0.15%
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 10 times
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 tier minimum: $250,001
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 10 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 tier minimum: $100,001
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 10 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 tier minimum: $50,001
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 10 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 tier minimum: $25,001
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 10 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 tier minimum: $2,500
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 10 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 Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Non-Profit Checking
0.20%
0.20%
Min Deposit$50
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.20% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Corporate Checking
0.15%
0.15%
Min Deposit$50
Min Balance$125,001
DetailsBalance: $125,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.15% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Corporate Checking
0.10%
0.10%
Min Deposit$50
Min Balance$50,001
DetailsBalance: $50,001
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.10% APY · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Corporate Checking
0.05%
0.05%
Min Deposit$50
Min Balance$0
DetailsBalance: $0
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 0.05% APY · checked 3 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 Plus Checking
0.00%
0.00%
Min Deposit$50
Last Updated10/30/2026
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Small Business Checking
0.00%
0.00%
Min Deposit$50
Last Updated10/30/2026
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
In-House Loan - 15 Year Fixed
6.625%
0.000
6.796%
DetailsOwner-occupied primary residence; Points: No Points
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 6.80% APR · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
In-House Loan - 20 Year Fixed
6.875%
0.000
7.013%
DetailsOwner-occupied primary residence; Points: No Points
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.01% APR · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
In-House Loan - 5/1 ARM
6.75%
0.000
7.152%
DetailsOwner-occupied primary residence; ARM fixed for first 5 years, then adjusts annually; Points: No Points
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.15% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
In-House Loan - 7/1 ARM
6.875%
0.000
7.158%
DetailsOwner-occupied primary residence; ARM fixed for first 7 years, then adjusts annually; Points: No Points
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.16% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
In-House Loan - 10/1 ARM
7.00%
0.000
7.188%
DetailsOwner-occupied primary residence; ARM fixed for first 10 years, then adjusts annually; Points: No Points
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.19% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
In-House Loan - 3/1 ARM
6.625%
0.000
7.191%
DetailsOwner-occupied primary residence; ARM fixed for first 3 years, then adjusts annually; Points: No Points
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 7.19% APR · checked 4 times
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
Home Equity Loan (Fixed-Rate)
-
-
6.49%
DetailsAs Low As; Closed-End, Fixed-rate; Rates accurate as of August 27, 2024; 6.49% APR available on Loan to Value (LTV) of 90% or less and a 5 year term; higher rates apply for higher LTV and longer terms
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 10 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
HELOC Flex (Fixed-Rate)
-
-
6.99%
DetailsAs Low As; Fixed-rate HELOC Flex; up to 2 fixed-rate lock requests available for 5, 10 or 15 years; rates depend on credit score and LTV; maximum APR 18%; property insurance required
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 10 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
HELOC (Variable-Rate)
-
-
7.00%
DetailsAs Low As; Variable-rate HELOC; rates depend on credit score and LTV; maximum APR 18%; property insurance required
Last Updated10/30/2026
Rate History
No change since Sep 22, 2026 · 7.00% APR · checked 8 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New/Used Autos, Trucks/Motorcycles (Fixed Rate)
-
-
5.09%
Up to 48 months
DetailsAs Low As; Model Year: 2023-2027; Terms up to 48 months; Fixed Rate; Rates accurate as of September 9, 2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.09% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
New/Used Autos, Trucks/Motorcycles (Fixed Rate)
-
-
5.29%
Up to 66 months
DetailsAs Low As; Model Year: 2023-2027; Terms up to 66 months; Fixed Rate; Rates accurate as of September 9, 2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.29% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
New/Used Autos, Trucks/Motorcycles (Fixed Rate)
-
-
5.69%
Up to 66 months
DetailsAs Low As; Model Year: 2021-2022; Terms up to 66 months; Fixed Rate; Rates accurate as of September 9, 2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 5.69% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
New/Used Autos, Trucks/Motorcycles (Fixed Rate)
-
-
6.19%
Up to 60 months
DetailsAs Low As; Model Year: 2019-2020; Terms up to 60 months; Fixed Rate; Rates accurate as of September 9, 2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.19% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
New/Used Autos, Trucks/Motorcycles (Fixed Rate)
-
-
6.69%
Up to 54 months
DetailsAs Low As; Model Year: 2017-2018; Terms up to 54 months; Fixed Rate; Rates accurate as of September 9, 2026
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 6.69% APR · checked 4 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Community 1st Credit Union Ottumwa, IA RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Powersports/Equipment - Consumer Loan
-
7.19%
DetailsAs Low As; Fixed-Rate; Loan interest rate and approval subject to qualified credit, account balance and product usage; new loans only, not for refinancing present Community 1st debts unless the new loan amount is double the present debt balance
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.19% APR · checked 3 times
DetailsAs Low As; Fixed-Rate; Rates accurate as of July 10, 2026
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.69% APR · checked 3 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
Consumer Personal Loan (Fixed-Rate)
9.99%
DetailsAs Low As; Fixed-rate personal loan; Terms and qualifications apply; subject to qualified credit
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 9.99% APR · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Personal Line of Credit (Variable-Rate)
11.40%
DetailsVariable-rate; APR range 11.40% to 19.15% APR*; rate subject to qualified credit, account balance and product usage
Last Updated10/30/2026
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%
C1 Signature Rewards Card
12.49%
DetailsIntro/promo APR: 1.99%; Intro rate expires: 12 billing cycles; Intro APR applies to purchases and balance transfers made in first 60 days of account opening; Regular APR: 12.49% - 20.49%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 12.49% APR · checked 2 times
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
C1 Business Smart Rate Card
-
-
13.49%
DetailsIntro rate expires: 12 billing cycles from date of account opening; Regular APR: 13.49% APR - 21.49% APR depending on credit history; Balance Transfers: 1.99% introductory APR for 12 billing cycles, then 13.49% - 21.49%; Cash Advances: 13.49% APR - 21.49% APR based on credit history; APR range: 13.49% APR - 21.49% APR
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 13.49% APR · checked 2 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1 Credit Savvy Secured Card
-
-
13.49%
DetailsPublished APR range: 13.49% - 21.49%. Regular APR based on credit history; applies to purchases, balance transfers and cash advances; APR varies with the Prime Rate
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 13.49% APR · checked 2 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1 Flex Rewards Card
-
-
14.49%
DetailsIntro/promo APR: 1.99%; Intro rate expires: 12 billing cycles; Intro APR applies to purchases and balance transfers made in first 60 days of account opening; Regular APR: 14.49% - 24.49%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 14.49% APR · checked 2 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1 Smart Rate Card
-
-
11.49%
DetailsIntro/promo APR: 1.99%; Intro rate expires: 12 billing cycles; Intro APR applies to purchases and balance transfers made in first 60 days of account opening; Regular APR: 11.49% - 20.49%
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 11.49% APR · checked 2 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Equipment Loans (Fixed Rate)
-
-
5.99%
DetailsAs Low As; Fixed rate equipment loan; rate based on credit score and other factors
Last Updated10/30/2026
Rate History
No change since Oct 10, 2026 · 5.99% APR · checked 5 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Land/Lot Loans - Up to 20 Acres, Maximum Term of 15 Years
6.625%
-
7.009%
DetailsAs Low As; Up to 20 Acres, Maximum Term of 15 Years; Maximum of 80% Loan-to-Value (LTV); 1st lien position only; Additional closing costs may apply
Last Updated10/30/2026
Rate History
No change since Oct 19, 2026 · 7.01% APR · checked 3 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Payday Alternative Loan
-
-
19.00%
DetailsAs low as; Maximum loan term of 6 months; Must be 18 years or older and a C1st member for at least 30 days
Last Updated10/30/2026
Rate History
No change since Sep 14, 2026 · 19.00% APR · checked 10 times
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Secondary Market Loans - 15 Year Fixed
6.625%
No Points
6.825%
15 years
DetailsSecondary Market Loans - Fixed Rate; Rates accurate as of October 26, 2026
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.08% → 6.83% ▼ 0.25 pts · high 7.08% / low 6.83%
Oct 30, 20266.83%▼ from 7.08%
Oct 14, 20267.08%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
Secondary Market Loans - 30 Year Fixed
6.875%
No Points
6.999%
30 years
DetailsSecondary Market Loans - Fixed Rate; Rates accurate as of October 26, 2026
Last Updated10/30/2026
Rate History
1 change since Oct 14, 2026 · 7.25% → 7.00% ▼ 0.25 pts · high 7.25% / low 7.00%
Oct 30, 20267.00%▼ from 7.25%
Oct 14, 20267.25%first recorded
Institution Ratings
4.4
Star Rating
B
Health Grade
◈ Texas Ratio: 22.12%
C1st Cash: Qualifications Met
2.96%
-
3.00%
Min Balance$0
DetailsQualifications Required; Qualifying balance up to $15,000.00; Rates may vary after the account is opened
Last Updated10/30/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 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
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Frequently Asked Questions About Community 1st Credit Union Ottumwa, IA
Does Community 1st Credit Union Ottumwa, IA offer CDs?
Yes. Community 1st Credit Union Ottumwa, IA current CD rates include its CD Account - 60 Month at 3.55% APY, its CD Account - 48 Month at 3.45% APY and its CD Account - 36 Month at 3.40% APY, verified by MonitorBankRates as of October 30, 2026.
Are CDs from Community 1st Credit Union Ottumwa, IA NCUA insured?
Yes. Community 1st Credit Union Ottumwa, IA is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Community 1st Credit Union Ottumwa, IA?
The highest Community 1st Credit Union Ottumwa, IA CD rate is its 13 Month CD Account Special at 4.15% APY, verified by MonitorBankRates as of October 30, 2026.
What CD terms does Community 1st Credit Union Ottumwa, IA offer?
Community 1st Credit Union Ottumwa, IA CD rates are 2.75% APY for a 12 month CD, 3.20% APY for an 18 month CD, 3.30% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.45% APY for a 4 year CD and 3.55% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Community 1st Credit Union Ottumwa, IA for its full lineup.
What is the highest savings rate at Community 1st Credit Union Ottumwa, IA?
The highest Community 1st Credit Union Ottumwa, IA savings rate is its ClubGo Savings at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest money market rate at Community 1st Credit Union Ottumwa, IA?
The highest Community 1st Credit Union Ottumwa, IA money market rate is its Money Market at 1.75% APY, verified by MonitorBankRates as of October 30, 2026.
What is the highest checking rate at Community 1st Credit Union Ottumwa, IA?
The highest Community 1st Credit Union Ottumwa, IA checking rate is its ClubGO Checking at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.
What is the lowest mortgage rate at Community 1st Credit Union Ottumwa, IA?
The lowest Community 1st Credit Union Ottumwa, IA mortgage rate is its In-House Loan - 15 Year Fixed at 6.625%, verified by MonitorBankRates as of October 30, 2026. Community 1st Credit Union Ottumwa, IA mortgage rates are 6.875% for a 20 year mortgage, 6.625% for a 15 year mortgage, 6.625% for a 3/1 ARM, 6.75% for a 5/1 ARM, 6.875% for a 7/1 ARM and 7.00% for a 10/1 ARM.
What is the lowest auto loan rate at Community 1st Credit Union Ottumwa, IA?
The lowest Community 1st Credit Union Ottumwa, IA auto loan rate is its New/Used Autos, Trucks/Motorcycles (Fixed Rate) at 5.09% APR, verified by MonitorBankRates as of October 30, 2026.
What is the lowest personal loan rate at Community 1st Credit Union Ottumwa, IA?
The lowest Community 1st Credit Union Ottumwa, IA personal loan rate is its Consumer Personal Loan (Fixed-Rate) at 9.99% APR, verified by MonitorBankRates as of October 30, 2026.
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/.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Community 1st Credit Union Ottumwa, IA rates compare?
Community 1st Credit Union Ottumwa, IA's CD rates are 2% higher than the MonitorBankRates national average, and it has a B health rating. Community 1st Credit Union Ottumwa, IA's top rates are its 13 Month CD Account Special at 4.15% APY, its ClubGo Savings at 1.00% APY, its Money Market at 1.75% APY, its ClubGO Checking at 0.20% APY, its In-House Loan - 15 Year Fixed at 6.625% and its Consumer Personal Loan (Fixed-Rate) at 9.99% APR, verified by MonitorBankRates on October 30, 2026.
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
