Community 1st Chariton IA Credit Union | Low Mortgage Rates & Quick Auto Loans

Introduction

Welcome to Community 1st, your trusted partner in financial well-being, located at 1934 Court Ave, Chariton, IA 50049. Since our establishment in 1936, we have proudly served our community with a commitment to provide exceptional financial services tailored to meet the needs of our 69,212 members. As a member-owned credit union, we believe in putting people before profits, ensuring that your financial goals are our top priority. At Community 1st, we boast a robust asset base of over $1 billion and have facilitated 29,162 loans and leases to empower our members' aspirations. With total deposits reaching $75,173,643, we understand the importance of security and growth for your hard-earned money. Our strong net worth of $105,687,386 reflects our dedication to maintaining stability while offering competitive products like auto loans, mortgages, and personal loans. Our team of 295 employees is led by our CEO Gregory Hanshaw and Board President Tim Elliott, who are committed to fostering a welcoming environment where you can feel confident about your financial decisions. Whether you need help with everyday banking or long-term planning, we're here for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 1934 Court Ave, Chariton, IA 50049. You can easily reach us at 641-774-5616 for inquiries or assistance. Join us today and experience how Community 1st can make a difference in your life! Visit our website at c1stcreditunion.com for more information on the services we offer. We look forward to serving you!

Branch History & Mission

Community Connections

Our success is tied directly to the people we serve. We pride ourselves on being involved in community initiatives that make Chariton a better place for all. From sponsoring local events to providing financial education workshops, we seek ways to uplift those around us. While members can visit us at 1934 Court Ave, official correspondence should be sent to the same address as there is no separate mailing location. You can reach us at 641-774-5616 during our lobby hours from 8:30 AM to 5:00 PM on weekdays and 8:30 AM to 12:00 PM on Saturdays.

Join Us

As we continue this journey together, we invite you to become a part of Community 1st. Experience firsthand the difference of working with a credit union that truly cares about its members and their financial well-being. Join us today and let's build a brighter future together! For more information about our services or how you can become a member, visit us at Community 1st.

Our Mission

At Community 1st, our mission goes beyond banking. We strive to create opportunities for our members through personalized service and innovative solutions tailored to their unique needs. Whether it's personal banking options like checking and savings accounts or loans for vehicles and homes, we are here to support you every step of the way. We believe that strong communities build strong futures, which is why we actively participate in outreach programs and partnerships that give back to Chariton. In addition to traditional banking services, we embrace technology by offering online and mobile banking solutions. This allows our members to manage their finances conveniently and securely from anywhere. We also ensure ADA compliance across all platforms so that everyone can access our services without barriers.

Branch Location & Accessibility

Call-to-Action

We invite you to stop by our Chariton branch today or give us a call at 641-774-5616. Our dedicated team looks forward to assisting you with all your banking needs! Visit our website at Community 1st for more information on services and offerings. We can't wait to see you!

Operating Hours

We're here for you during convenient hours! Our lobby is open Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. For those who prefer drive-thru banking, we offer extended hours from 7:30 AM to 5:30 PM on weekdays and 7:30 AM to 12:00 PM on Saturdays.

Parking and Accessibility

We understand that accessibility is important. Our branch offers ample parking spaces right outside the entrance, along with ADA-compliant features to ensure everyone can visit comfortably. You'll find ramps and clear pathways that make navigating our space easy.

Services Available

At Community 1st, we provide a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you need quick access to cash or want to perform simple transactions, our ATM is available for your convenience.

Member Eligibility

At Community 1st, we believe that everyone deserves to be part of a supportive financial community. Joining us is simple and welcoming! To become a member, you just need to meet a few eligibility criteria. Generally, if you live, work, or worship in the areas we serve, you're already on your way to joining our family. We also welcome immediate family members of current members, which means your loved ones can benefit too! For more detailed information about eligibility requirements, feel free to check out our resource at . Opening an account with us is straightforward and hassle-free. Once you're ready to start your membership journey, simply visit us at 1934 Court Ave Chariton Ia 50049 or give us a call at (641) 774-5616. Our friendly staff is here to guide you through the process and answer any questions you might have. At Community 1st, becoming a member means gaining access to personalized services designed to help you reach your financial goals. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Make Life Easier

In addition to our loan offerings, we provide comprehensive merchant services that simplify payment processing. Imagine running your business without worrying about how to accept payments. Our solutions help streamline transactions, allowing you to focus on what you do best growing your business. From credit card processing to online payment options, we make it easy for your customers to pay while keeping your cash flow healthy. Visit us at 1934 Court Ave Chariton Ia 50049 in Chariton, IA, or call us at (641) 774-5616 to discover how we can support your business journey!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Accessibility and Support

Our friendly staff is always ready to assist with basic drive-thru banking for quick deposits, withdrawals, or simple transactions. You can also enjoy basic ATM access for balance checks and cash withdrawals whenever you need them. If you have any questions or want to learn more about how we can support your financial needs, don't hesitate to reach out! Give us a call at (641) 774-5616, or visit us in person at 1934 Court Ave Chariton Ia 50049. Discover how Community 1st can help simplify your financial life today!

Business Banking

For our entrepreneurial members, business banking is crucial. At Community 1st, we provide essential services like merchant services and business loans tailored for small businesses looking to grow and thrive in their communities.

Digital Banking Features

In today's fast-paced world, convenience is key. Our comprehensive online and mobile banking features let you manage your accounts anytime, anywhere. You can easily check balances, transfer funds, or pay bills right from your smartphone or computer. With access to an ATM nearby, cash withdrawal is just a tap away making it easy for you to handle everyday transactions without hassle.

Loans and Credit Options

Life often throws unexpected expenses your way. That's why we offer personal loans and debt consolidation services designed to give you peace of mind during tough times. Plus, our credit cards with rewards allow you to earn while you spend, making every purchase count toward something special.

Personal Banking

Managing your finances is easier than ever with our personal banking options. We provide checking and savings accounts that are perfect for everyday transactions and long-term savings goals. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing solutions can get you on the road without breaking the bank. Need a place to call home? Our mortgage loans and refinancing options make homeownership more attainable, allowing you to invest in your future.

Digital & Online Banking

Key Services at Your Fingertips

Our online banking platform, accessible at https://www.c1stcreditunion.com/ , lets you check your balance, view transaction history, and pay bills all 24/7. If you're someone who prefers mobile banking, you'll love our dedicated mobile application available for download. It makes managing your accounts easier than ever, whether you're at work or running errands. Need to send money to a friend? Our person-to-person transfer feature allows you to do just that with ease. Plus, if you're always on the move, our mobile payments option means you can pay for purchases directly from your phone no need to carry cash or cards!

Security You Can Trust

Your security is our top priority. We use electronic signature authorization for all online transactions to ensure that only you can access your accounts. Additionally, you can opt for e-statements to keep track of your finances while reducing paper clutter a smart choice for both your wallet and the environment. With these features combined, you'll have real-time account management at your fingertips without sacrificing safety. Whether you're checking balances or making transfers late at night, Community 1st is here to support you every step of the way. In today's fast-paced world, having reliable digital banking options is essential. That's why we strive to make banking as easy and secure as possible so you can focus on what matters most in your life. Experience the convenience of online banking with us today!

Financial Strength

Growing Member Trust

Total Share and Deposit Accounts stand at 157,756, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further exemplify our commitment to your financial success. 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 1934 Court Ave Chariton Ia 50049 or call (641) 774-5616 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $6,695,353 reflects our operational efficiency, enabling 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 Our 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.

Secure Savings for Members

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.

Solid Financial Health

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 $1,042 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 $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 and quick approvals so you can drive away in your dream car sooner than you think.

Credit Lines and Personal Loans

Managing day-to-day expenses can sometimes be challenging. That's why we offer personal loans and credit lines to give you the financial flexibility you need. Our total credit lines amount to $168,505,851, allowing members to access funds when they need them most.

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. We offer competitive rates and personalized service to guide you through the process. If you're considering refinancing your existing mortgage, we have options available that could save you money.

Support for Business Owners

For business owners seeking growth opportunities, our outstanding commercial loans totaling $248,556,909 provide the capital needed to expand operations and invest in future success. If you're interested in learning more about our loan offerings or checking your eligibility for any of these products, please don't hesitate to reach out. You can contact us at 641-774-5616 or visit us at 1934 Court Ave Chariton IA 50049. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to assist you every step of the way!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. Although our current total for these loans is $0, we encourage members to explore how our other financial products can help streamline their finances effectively.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that the loan offers you see are based on the latest results from legitimate financial institutions (Source: https://www.ncua.gov ). This approach not only promotes fairness but also builds trust among users who rely on LendMesh for their financial needs.

Key Benefits

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information presented is current and accurate. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This way, you can be confident that you are seeing the best options available. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly and efficiently. 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 reflect the positive impact LendMesh has had on its users' financial journeys. To take advantage of these benefits, 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