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Community Choice Credit Union Johnston, IA Rates & Review August 2026

Community Choice Credit Union Johnston, IA's Personal Loan Rates are at 3.92%. MonitorBankRates evaluates the financial stability of Community Choice Credit Union Johnston, IA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.96%. Rates last updated and verified on 08/30/2026.

Community Choice Credit Union Johnston, 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 Choice Credit Union Johnston, IA? Share your experience about Community Choice Credit Union Johnston, IA by leaving a review below, or read customer reviews before you decide to use Community Choice Credit Union Johnston, IA.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.96%
Excellent Lower than avg
Community Choice Credit Union Johnston, IA
Johnston Administration Office
6163 NW 86th st
Johnston, IA 50131
https://comchoicecu.org
Member NCUA

Community Choice Credit Union Johnston, IA Auto Loan Rates

Product Rate Points APR Term View More
2025 & Newer Vehicle Loan - - 3.92% 1 - 36 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2024 Vehicle Loan - - 4.52% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2025 & Newer Vehicle Loan - - 4.52% 37 - 66 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2024 Vehicle Loan - - 4.62% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2025 & Newer Vehicle Loan - - 4.62% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2024 Vehicle Loan - - 4.72% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2025 & Newer Vehicle Loan - - 4.72% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2023 Vehicle Loan - - 4.82% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2024 Vehicle Loan - - 4.82% 79 - 84 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2025 & Newer Vehicle Loan - - 4.82% 79 - 84 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2023 Vehicle Loan - - 4.92% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2023 Vehicle Loan - - 5.02% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2023 Vehicle Loan - - 5.12% 79 - 84 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2022 Vehicle Loan - - 5.17% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2022 Vehicle Loan - - 5.27% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2022 Vehicle Loan - - 5.37% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2021 Vehicle Loan - - 5.47% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2022 Vehicle Loan - - 5.47% 79 - 84 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2021 Vehicle Loan - - 5.57% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2021 Vehicle Loan - - 5.67% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2017 Vehicle Loan - - 5.77% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2018 Vehicle Loan - - 5.77% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2019 Vehicle Loan - - 5.77% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2020 Vehicle Loan - - 5.77% 1 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2021 Vehicle Loan - - 5.77% 79 - 84 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2018 Vehicle Loan - - 5.87% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2019 Vehicle Loan - - 5.87% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2020 Vehicle Loan - - 5.87% 67 - 72 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2019 Vehicle Loan - - 5.97% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2020 Vehicle Loan - - 5.97% 73 - 78 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2015 & 2016 Vehicle Loan - - 8.52% 1 - 48 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2014 & Older Vehicle Loan - - 8.62% 1 - 48 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%
2015 & 2016 Vehicle Loan - - 8.62% 49 - 60 months
Details As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.96%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Community Choice Credit Union Johnston, 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 Choice Credit Union Johnston, 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 Choice Credit Union Johnston, IA's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Choice Credit Union Johnston, IA
Address 6163 NW 86th st, Johnston, IA 50131
Phone 515-334-8100
Fax 515-334-8150
President Randy Dickey
CEO Josh Cook
Full-Time Employees 183
Part-Time Employees 4
Branch Locations 10
ATM Locations 10
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.96%
Return on Assets (ROA)
0.7459%
Return on Equity (ROE)
5.9054%
Non-Performing Loans Ratio (NPL)
0.48%
Total Assets
865,341,850
Total Amount of Shares and Deposits
724,232,074
Total Shares and Deposits < 1 Year
707,849,249
Total Shares and Deposits 1 3 Years
16,218,969
Total Shares and Deposits > 3 Years
163,856
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
12,390,960
Total Uninsured Shares and Deposits > $250K (F+J)
12,390,960
Total Insured Shares and Deposits > $250K (item 17 less item K)
711,841,114
Total Interest Expense (Sum of items 6 8)
6,638,973
Share Certificates
2,798
Number of Accounts for Share Drafts
36,073
IRA KEOGH Accounts
802
Number of Accounts for Regular Shares
61,755
All other shares
1,336
Money Market Shares
2,724
Net Income (unless the amount is already included in Undivided Earnings)
6,454,332
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)
26,053,645
Total Liabilities
756,307,754
Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Community Choice Credit Union Johnston, IA

How many branches does Community Choice Credit Union Johnston, IA operate?

Community Choice Credit Union Johnston, 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 Choice Credit Union Johnston, IA?

Yes, to access services at Community Choice Credit Union Johnston, 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 Choice Credit Union Johnston, 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 Choice Credit Union Johnston, IA provides members with tools to manage their accounts and build a solid financial history.

Does Community Choice Credit Union Johnston, IA offer online and mobile banking?

Most modern institutions like Community Choice Credit Union Johnston, 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://comchoicecu.org.