Community 1st Atlantic IA Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Community 1st, your trusted financial partner in Atlantic, Iowa! Located at 200 Maple St, we have been proudly serving our community since 1936. With a strong commitment to helping our members achieve their financial goals, we currently support over 69,000 members and manage assets exceeding $1 billion. At Community 1st, we believe in the power of personal banking. Our dedicated team of 295 employees, led by CEO Gregory Hanshaw and Board President Tim Elliott, is here to provide you with tailored solutions that meet your unique needs. Whether you're looking for checking and savings accounts, auto loans, or business banking services, we've got you covered. While members can visit us at our branch address, official correspondence should be sent to 200 Maple Street, Atlantic, IA 50022. We understand that convenience is key, which is why we offer a range of services including online and mobile banking options to make managing your finances easier than ever. With total deposits of $75,173,643 and net worth reaching $105,687,386, our financial health speaks volumes about our commitment to stability and growth for our members. We are proud to have a cash reserve of $8,806,864, ensuring that we are well-prepared to support our community's needs. Our dedication extends beyond numbers; we strive to make a positive impact in the lives of those we serve. Join us as we work together toward a brighter financial future. If you have questions or want to learn more about how we can assist you today, feel free to give us a call at 866-360-5370 or visit us online at Community 1st Credit Union. Your journey towards financial empowerment begins here!

Branch History & Mission

At Community 1st, we proudly celebrate a rich history that began in 1936 in Atlantic, Iowa. Over the years, our branch has evolved from a small community initiative into a vital financial resource for our members and the surrounding area. Located at 200 Maple St, Atlantic, IA 50022, we are easily accessible to our community, ready to serve your banking needs. As of today, Community 1st boasts a membership of over 69,000 individuals and total assets reaching an impressive $1,014,113,656. This growth reflects not only our commitment to providing exceptional financial services but also our dedication to fostering strong relationships within the community. Throughout the decades, we've maintained our mission: to enhance the lives of our members through personalized service and community engagement. Our mission goes beyond just offering banking products; it is about empowering individuals and families. We believe that by providing accessible financial solutions like checking and savings accounts, auto loans, mortgages, and business banking options, we can help our members achieve their financial goals. Additionally, we take pride in our community support efforts through partnerships with local organizations and initiatives designed to uplift those around us. While members can visit us at 200 Maple St for all their banking needs including ATM access and drive-thru services we encourage any official correspondence to be sent to the same address or our mailing address at 200 Maple Street, Atlantic, IA 50022 if preferred. In keeping pace with modern conveniences, Community 1st offers various digital banking options such as online banking and mobile payments. We are committed to ensuring that all our services are ADA compliant so that everyone can access the financial resources they need without barriers. With operating hours from 7:30 AM to 5:30 PM on weekdays, we aim to accommodate your schedule. Our knowledgeable staff is always on hand at (866) 360-5370 to answer questions or assist you. We invite you to experience what makes Community 1st different. Join us today and discover how we can help you navigate your financial journey while supporting the vibrant community of Atlantic. Together, let's build a brighter future!

Branch Location & Accessibility

Convenience and Accessibility

Our branch offers ample parking and features designed with accessibility in mind, including ADA-compliant entrances and ramps. You can feel confident that our location is welcoming to everyone. If you're looking for a quick banking solution on the go, we have an ATM available for your convenience. Plus, for those who prefer the ease of drive-thru service, we offer basic banking transactions like deposits and withdrawals without leaving your vehicle.

Operating Hours

At Community 1st, we understand that life can be busy. That's why our lobby hours are tailored to fit your schedule. We're open from 7:30 AM to 5:30 PM Monday through Friday, making it easy for you to visit us before work or after school.

Stay Connected

If you need assistance or have questions about our services, don't hesitate to give us a call at 866-360-5370. Our team is ready to help you with personal banking options such as checking and savings accounts, auto loans, mortgage loans, and more. While members can visit us at 200 Maple St, official correspondence should be sent to the same address as our mailing address: 200 Maple Street, Atlantic, IA 50022. We invite you to come in and see how Community 1st can support your financial needs. Your community is our priority!

Member Eligibility

Becoming a member of Community 1st means joining a welcoming community that puts your needs first. If you're looking to open an account, you'll find that eligibility is straightforward. Anyone who lives, works, worships, or attends school in the area can apply for membership. It's about building relationships and supporting one another, and at Community 1st, we believe everyone deserves access to great financial services. For more specific eligibility details. The process of becoming a member is easy and inclusive! Just reach out to us at (866) 360-5370 or visit us at our branch located at 200 Maple St Atlantic Ia 50022. Our friendly staff will guide you through the simple steps needed to open your account and enjoy all the benefits that come with being part of Community 1st. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,077 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $248,556,909, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In today's fast-paced market, it's vital for businesses to have efficient payment solutions. Our merchant services make transactions smooth and hassle-free. Imagine a busy café where customers can pay quickly at the counter or order ahead through mobile payments this is just one way our services help streamline operations. By choosing Community 1st for your business banking needs, you're not just getting a lender; you're gaining a partner committed to your success. Visit us at 200 Maple St, Atlantic, IA 50022 or call us at 866-360-5370 to explore how we can help your business flourish!

Comprehensive List Of Services

Business Banking Services

For our business members, Community 1st offers comprehensive support through various services including merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're here to provide solutions that help you thrive.

Convenient Access

Our branch features a drive-thru service for quick transactions like deposits and withdrawals without leaving your vehicle. For those moments when you need quick access to cash or account information, our ATMs are available around the clock. At Community 1st, we're not just about transactions; we're about relationships. Our friendly staff is always ready to assist you with any questions or concerns you may have. Feel free to reach out by phone at 866-360-5370 during our lobby hours from 7:30 AM to 5:30 PM on weekdays. We invite you to visit us at 200 Maple St, Atlantic, IA 50022, or explore more about our offerings online at Community 1st. Join us today and experience the difference of being part of a credit union that truly cares about its members!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we proudly offer robust online and mobile banking features. With just a few taps on your smartphone, you can access your accounts anytime, anywhere. Our digital banking tools include options for ATM cash withdrawals, balance checks, and even person-to-person payments all designed to fit into your busy lifestyle.

Personal Banking Solutions

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your everyday finances while encouraging savings growth. If you're considering purchasing a new car, our auto loans and vehicle financing options make it easy to get behind the wheel without breaking the bank. Additionally, we provide mortgage loans and refinancing solutions, ensuring that owning your dream home is within reach. If you're facing unexpected expenses or simply want to consolidate debt, our personal loans and debt consolidation services can help you regain control of your finances. Plus, our credit cards with rewards allow you to earn while you spend on things you love.

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the go, you'll appreciate the convenience of real-time account management. Plus, with our electronic signature authorization, signing documents is straightforward and secure no need for paper or in-person visits. We also provide e-statements to help you stay organized. You can easily track your finances without the clutter of paper statements cluttering your mailbox. For those who prefer mobile banking, our user-friendly mobile application offers all the features you need right in the palm of your hand.

Security and Accessibility

Your security is our top priority. All transactions made through our digital services are protected with advanced encryption technology, ensuring that your personal information remains safe. Plus, if you want to send money quickly to friends or family, our person-to-person transfer feature makes it easy just a few taps on your phone! And for those who love shopping on the go, our mobile payments feature lets you make purchases directly from your device. Enjoy the freedom and flexibility that comes with modern banking while knowing that Community 1st has your back. With all these features combined, managing your finances has never been easier or more efficient. Embrace the convenience of digital banking with Community 1st today!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 157,756, showing a strong and growing member base that trusts us with their finances. Net Shares available for lending and investments amount to $0, reflecting our capacity to support your dreams. 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 200 Maple St Atlantic Ia 50022 or call (866) 360-5370 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $230,759,270 in share certificates and $24,012,890 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $36,027,973, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is evident in our $913,180, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 266 full-time employees and 29 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $70,392,193 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $10,056 in used auto loans and $849,716,963 in total loans and leases.

Solid Financial Foundations

With a net worth of $105,687,386, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.42% 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

Additional Services

Whether you need refinancing options or want to explore eligibility criteria for any of our loan products, our friendly staff is ready to assist you. We aim to make every borrowing experience as seamless as possible. For more information about our loan offerings or to speak with one of our representatives, please call us at 866-360-5370 during our lobby hours from 7:30 AM to 5:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Community 1st, we're here not just to lend but also to build lasting relationships with our members through reliable financial solutions tailored just for you.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $135,664,189 in used vehicle loans and $20,764,781 in new vehicle loans already helping members get on the road. We provide flexible terms to meet your needs and make the car-buying process straightforward and accessible.

Business Financing

For business owners, our outstanding commercial loans totaling $248,556,909 provide the capital needed to grow and expand your business. We understand the unique challenges faced by small businesses and are dedicated to supporting your journey.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $39,050,005, make buying or refinancing simple. Our team is here to guide you through every step of the process to ensure that you find the best solution for your housing needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While currently there are no outstanding unsecured credit card loans available, when offered, these loans can help members manage their finances effectively by providing access to funds without requiring collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from recognized financial institutions, ensuring that users receive credible information. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions. 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!" This kind of feedback underscores the platform's effectiveness in helping individuals find the best financing options available. 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.*

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that users receive fair and transparent offers tailored to their needs. The platform's commitment to accuracy means that every loan comparison reflects current market conditions and legitimate financial products.

COMMUNITY 1ST CREDIT UNION - Atlantic, IA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

Compare Loan Rates Near You

Loan rates in Atlantic, IA (50022)

Introduction

Branch History & Mission

Branch Location & Accessibility

Convenience and Accessibility

Operating Hours

Stay Connected

Member Eligibility

Business Banking & Commercial Services

Business Loan Options

Merchant Services

Comprehensive List Of Services

Business Banking Services

Convenient Access

Digital Banking Features

Personal Banking Solutions

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

Growing Together

Member-Focused Savings

Operational Efficiency

Reinvesting in Your Future

Solid Financial Foundations

Loan Offering

Additional Services

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

Benefits of Using LendMesh

How LendMesh Ensures Accurate Comparisons

Customers Also Interested In: