Community 1st Albia IA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Community 1st, your trusted financial partner in the heart of Albia, IA. Located at 1420 S Clinton St, we have been serving our community since 1936 with a commitment to providing excellent personal and business banking solutions. With over 72,000 members and total assets reaching an impressive $1,063,891,298, we are dedicated to helping you achieve your financial goals. Our experienced team, led by CEO Gregory Hanshaw and Board President Courtney Jones, is here to ensure you receive personalized service tailored to your unique needs. Whether you're looking for a reliable checking account, competitive auto loans, or comprehensive mortgage options, we have you covered. In fact, our total loans and leases exceed 30,649, demonstrating our strong commitment to supporting our members. At Community 1st, we understand that financial well-being is about more than just numbers it's about fostering relationships within our community. We pride ourselves on our ability to offer products that make banking easier and more accessible for everyone. With total deposits amounting to $82,858,515 and a net worth of $110,494,456, we have the resources and stability to be your lifelong financial partner. While members can visit us at our branch location in Albia, official correspondence should be sent to our mailing address: 1420 S Clinton St, Albia, IA 52531-2636. If you have any questions or would like to learn more about our services including online and mobile banking options please don't hesitate to reach out at 641-932-3322. Join us today at Community 1st and experience the difference of a credit union that truly values its members! Visit our website at Community 1st for more information.

Branch History & Mission

Welcome to the heart of our community at Community 1st in Albia, Iowa! Established in 1936, our branch has grown from a small credit union into a vital part of the local economy. Over the years, we have proudly served over 72,000 members and today manage total assets exceeding $1 billion. Our journey reflects a commitment to financial stability and community support, evolving alongside the needs of our members. Located at 1420 S Clinton St, Albia, IA 52531, we are not just a financial institution; we are a gathering place for neighbors and friends. Our branch is easily accessible and situated near local landmarks, making it convenient for you to visit us. For any official correspondence, please note that you can also reach us at 1420 S Clinton St, Albia, IA 52531-2636. At Community 1st, our mission is straightforward yet powerful: to empower our members through tailored financial solutions while fostering community growth. We offer a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and business banking services. We believe that by investing in our members' financial well-being, we can contribute positively to the broader community. Our operating hours reflect our dedication to serving you better: Monday through Friday from 8:30 am to 5:00 pm and Saturday from 8:30 am to 12:00 pm. If you prefer the convenience of banking on-the-go, we also offer ATM access and drive-thru services for quick transactions. Community engagement is at the core of what we do. We actively participate in various outreach programs that support local charities and initiatives aimed at improving lives in Albia. Our partnerships with local organizations help us understand the unique needs of our community and respond effectively. As technology evolves, so do we. Our online banking platform allows members to manage their finances anytime and anywhere. With features like mobile payments and electronic statements, we prioritize your convenience while ensuring your information remains secure. Join us at Community 1st today! Experience firsthand how we blend financial services with heartfelt community support. Together, let's build a brighter future for everyone in Albia! For more information or assistance, feel free to call us at 641-932-3322 or visit our website at www.c1stcreditunion.com. We look forward to welcoming you into our family!

Branch Location & Accessibility

A Warm Invitation

We invite you to visit us at Community 1st in Albia! If you have any questions or need assistance before your visit, feel free to give us a call at 641-932-3322. We look forward to serving you!

Nearby Landmarks and Accessibility

Situated right in the heart of Albia, our branch is just a stone's throw away from the bustling downtown area. You'll find ample parking available, making it easy for you to stop by anytime during our operating hours. We are committed to accessibility for all members; our facility complies with ADA standards and features ramps for easy access.

Operating Hours and Services

At Community 1st, we understand that your time is valuable. That's why we offer flexible operating hours: Monday through Friday from 8:30 AM to 5:00 PM, with extended Drive-Thru service available until 5:30 PM. On Saturdays, we're open from 8:30 AM to 12:00 PM, and the Drive-Thru operates until noon as well. We offer a range of services tailored to meet your financial needs whether you're looking for checking and savings accounts, auto loans, mortgage options, or business banking solutions. Need cash? Our ATM is available for quick withdrawals and balance checks.

Member Eligibility

Joining the Community 1st family means stepping into a world of support and belonging. We welcome anyone who lives, works, worships, or attends school in our community to become a member at our Albia branch located at 1420 S Clinton St, Albia, IA 52531. It's our way of creating a vibrant community where everyone has access to financial services tailored just for them. As a member, you'll enjoy benefits such as competitive rates on loans and savings accounts, personalized service, and a commitment to your financial well-being. Getting started is simple! If you're interested in becoming part of this welcoming community, we encourage you to check out the detailed eligibility criteria. You can also easily open an account by giving us a call at (641) 932-3322 or visiting us during our lobby hours. We can't wait to meet you and help you take the next steps toward achieving your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine seamlessly accepting payments from your customers without the hassle. Our merchant services empower you to focus on what you do best running your business. From card processing to online payment solutions, we help streamline your transactions so you can serve your clients better. Located at 1420 S Clinton St Albia Ia 52531, Albia, IA 52531, we're here Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. Give us a call at (641) 932-3322 or visit us today to discover how we can help your business thrive!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,134 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $257,184,840, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and businesses in the community, we have tailored services just for you! Our Business Banking includes essential tools like Merchant Services to facilitate transactions smoothly and Business Loans designed to support your growth.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Community 1st, we prioritize digital banking features. With Online & Mobile Banking, accessing your accounts is easy and secure from anywhere at any time. You can also take advantage of our ATM & Cash Withdrawal Services, ensuring that you have quick access to your funds when needed.

Drive-Thru and ATM Access

We know that sometimes you need quick service without the wait. That's where our basic drive-thru banking comes into play offering services like deposits and withdrawals without leaving your vehicle. Our ATMs provide additional flexibility for making withdrawals and checking balances whenever it fits into your schedule. At Community 1st, we strive to create a welcoming environment where every member feels valued. We invite you to visit us at 1420 S Clinton St, Albia, IA 52531 or give us a call at 641-932-3322 during our lobby hours from Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. Experience the difference with our comprehensive suite of services tailored just for you! Ready to take the next step? Explore how Community 1st can support your financial journey today!

Personal Banking Services

For individuals and families, we offer a variety of personal banking solutions. Open a Checking or Savings Account to start managing your finances easily. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options can help you get on the road with competitive rates. Additionally, we provide Mortgage Loans & Refinancing services that can assist you in purchasing your dream home or lowering your current mortgage payments. If you need extra funds for a special project or want to consolidate debts, consider our Personal Loans & Debt Consolidation options. Plus, don't miss out on our Credit Cards with Rewards, which let you earn points for your everyday purchases.

Digital & Online Banking

Key Services

Our online banking portal is user-friendly and packed with features. You can check your balances, transfer funds, and pay bills with just a few clicks. Plus, we offer electronic signature authorization to simplify your transactions no more printing out forms or waiting for the mail! For those who prefer a paperless approach, e-statements are readily available. This feature not only helps you stay organized but also contributes to a greener environment. If you're often on the move, our mobile application brings banking right to your fingertips. You can make mobile payments easily and securely without having to carry cash or cards.

Real-Time Management

Need to send money to a friend? Our person-to-person transfer option allows you to quickly send cash directly from your account. It's perfect for splitting bills or sharing costs with friends and family. And if you ever have questions or need assistance, our customer service team is just a phone call away at 641-932-3322. With Community 1st's 24/7 online banking services, managing your finances has never been easier. Whether you're checking transactions or making payments on-the-go, we've got you covered. Experience the convenience of modern banking with us today!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 164,621, showing a strong and growing member base that trusts us with their finances. Our commitment to serving the community drives us forward every day. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community 1st is your trusted partner. Visit us at 1420 S Clinton St Albia Ia 52531 or call (641) 932-3322 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Commitment to Growth

With $78,452,451 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant; with $10,528 in used auto loans and $889,859,632 in total loans and leases, we support our members' financial goals across various sectors.

Efficient Operations

Our operational efficiency is reflected in our $913,180, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 283 full-time employees and 26 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Savings

Members' savings are secured through $238,625,424 in share certificates and $26,351,965 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $35,054,439, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Financial Health

With a net worth of $110,494,456, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.39% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $144,689,636 in used vehicle loans and $25,284,050 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure you find an option that fits your budget. Don't forget that refinancing options are available if you're looking to lower your monthly payments!

Business Loans

For business owners, our outstanding commercial loans totaling $257,184,840 provide the capital needed to grow and expand your business. Our team is dedicated to helping local businesses thrive by offering tailored solutions that meet their specific needs. At Community 1st in Albia, IA (1420 S Clinton St), we pride ourselves on providing exceptional service and support. If you have any questions about our loan offerings or would like to discuss eligibility options further, please don't hesitate to reach out at 641-932-3322. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial goals today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $43,260,870, make buying or refinancing simple. We are here to guide you through every step of the mortgage process so that you can feel confident in your decision.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $838,663 in loans helping members manage their finances effectively. This can be an excellent option for those looking to consolidate debt or cover unexpected expenses without high-interest rates.

Loan Aggregator

Benefits of Using LendMesh

Using LendMesh comes with several advantages that enhance your borrowing experience: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the rates you see are accurate and up-to-date. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means you will find the best loan options without the influence of advertising. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions. This feature allows users to make informed decisions quickly and confidently. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the reliability and effectiveness of this tool in helping individuals navigate their borrowing needs. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

COMMUNITY 1ST CREDIT UNION - Albia, IA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Albia, IA (52531)

Introduction

Branch History & Mission

Branch Location & Accessibility

A Warm Invitation

Nearby Landmarks and Accessibility

Operating Hours and Services

Member Eligibility

Business Banking & Commercial Services

Merchant Services That Matter

Supporting Business Growth

Comprehensive List Of Services

Business Banking Solutions

Digital Banking Convenience

Drive-Thru and ATM Access

Personal Banking Services

Digital & Online Banking

Key Services

Real-Time Management

Financial Strength

A Growing Community

Commitment to Growth

Efficient Operations

Member-Centric Savings

Strong Financial Health

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

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