Introduction
Welcome to Community 1st, your trusted partner in financial services located at 205 West St, Grinnell, IA 50112. Since our establishment in 1936, we have proudly served our community, growing to a membership of over 69,212 individuals who depend on us for their banking needs. With total assets reaching an impressive $1,014,113,656, we are committed to providing secure and reliable financial solutions tailored to each member's unique situation. At Community 1st, our mission goes beyond just banking; we strive to empower our members with the tools and resources they need for financial success. Our dedicated team of 295 employees is here to assist you with everything from personal banking like checking and savings accounts to auto loans, mortgages, and business banking services. We're not just about numbers; we're about people and relationships. Under the leadership of CEO Gregory Hanshaw and Board President Tim Elliott, we focus on transparency and community engagement. We understand that each dollar represents a dream or goal for our members. That's why our total deposits stand at $75,173,643, reflecting the trust our members place in us. We also maintain a healthy net worth of $105,687,386 and keep $8,806,864 in cash on hand to ensure your financial stability. While you can visit us at our branch address for all your banking needs, official correspondence can be sent to our mailing address: 205 West St, Grinnell, IA 50112-2313. We invite you to discover how Community 1st can make a positive impact on your financial journey. Call us today at 641-236-7267 or explore more about our services by visiting our website. Let us help you reach your financial goals! Branch History & Mission
Welcome to Community 1st, located at 205 West St, Grinnell, IA 50112. Since our inception in 1936, we have been dedicated to serving our members and the surrounding community. Over the years, we have grown from a small financial institution into a robust credit union with a total membership of over 69,000 and assets exceeding $1 billion. Our journey reflects not just our growth but also our commitment to providing exceptional financial services tailored to meet the needs of every member. At Community 1st, we believe in the power of community. Our mission is simple yet impactful: to enhance the financial well-being of our members while actively supporting local initiatives that foster growth and development in Grinnell and beyond. We are proud to offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. This commitment is evident in everything we do. Our operating hours are designed for your convenience: Monday through Friday from 8:30 am to 5:00 pm, with extended drive-thru hours until 5:30 pm during the weekdays and Saturday hours from 8:30 am to 12:00 pm. Additionally, we provide ATM access for quick transactions, ensuring that banking is accessible whenever you need it. While members can visit us at 205 West St, official correspondence should be sent to 205 West St, Grinnell, IA 50112-2313 if different from the branch address. Our facilities are fully ADA compliant, making sure everyone can access our services easily. We pride ourselves on being more than just a credit union; we're a partner in your financial journey. Through various partnerships and community outreach programs, we strive to make a positive impact in areas such as education and economic development. Our commitment extends beyond banking we're here to support you every step of the way. As we look forward to continuing our legacy in Grinnell and surrounding areas, we invite you to join us at Community 1st. Experience firsthand how we can help you achieve your financial goals while being part of a community-focused institution that truly cares about its members. Together, let's build a brighter future! For any inquiries or assistance, feel free to reach out at 641-236-7267.
Branch Location & Accessibility
Welcome to Community 1st, your friendly neighborhood credit union located at 205 West St in Grinnell, IA. Our branch is conveniently situated near local favorites like the Grinnell College and the beautiful Central Park, making it easy for you to pop in while enjoying your day out. Whether you're running errands or just exploring our vibrant community, we're here to help with all your banking needs. At Community 1st, we prioritize accessibility for all our members. Our branch is equipped with features that cater to everyone, including ADA-compliant ramps and spacious parking. You'll find plenty of room to park when you visit us, so you can focus on what matters most your financial well-being. We understand that convenience is key in today's busy world. That's why our lobby hours are designed to fit your schedule: we're open from Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. If you're in a hurry, take advantage of our drive-thru service available until 5:30 PM on weekdays and until noon on Saturdays. Additionally, if you need access to cash outside of regular hours, you'll be pleased to know that we have an ATM available right at the branch. Our services range from personal banking accounts and auto loans to business banking solutions, ensuring that whatever your financial needs are, we've got you covered. While members can visit us at 205 West St for all their banking needs, please note that official correspondence should be sent to the same address as our mailing address: 205 West St, Grinnell, IA 50112-2313. Feel free to call us at 641-236-7267 if you have any questions or would like more information about our services. We look forward to seeing you soon!
Member Eligibility
At Community 1st, we believe that everyone deserves a supportive financial community, and becoming a member is your first step toward unlocking a world of benefits. If you live or work in the area, you're likely eligible to join us! Membership is open to individuals who meet certain criteria, which you can easily check for details on our website. Whether you're looking for personal banking services, loans, or simply a friendly place to manage your finances, our doors are wide open for you. Joining is straightforward and welcoming. You can start the process by visiting us at our branch located at 205 West St Grinnell Ia 50112, or simply give us a call at (641) 236-7267 if you have any questions. We're here to help you every step of the way and ensure that your experience with Community 1st feels like home. Don't hesitate to explore more about how to open an account and become part of our community today!
Business Banking & Commercial Services
Financing Your Growth
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 That Work for You
In addition to loans, we offer robust merchant services designed to simplify transactions and enhance customer experience. Imagine a local café easily processing payments through mobile devices or a retail shop managing inventory with ease. Our merchant services provide practical tools that help streamline operations and improve cash flow, allowing you to focus on what matters most: growing your business. Visit us at 205 West St, Grinnell, IA 50112 or call us at 641-236-7267 to learn how our tailored business banking solutions can help turn your vision into reality.
Comprehensive List Of Services
Business Banking Solutions
For local businesses, we provide comprehensive Business Banking Services, including merchant services and business loans that support growth and innovation. Whether you're starting a new venture or expanding an existing one, our team is here to guide you through financing options tailored specifically for your business needs.
Convenient Digital and In-Person Banking
To enhance your banking experience, we offer robust Online & Mobile Banking features. This means managing your finances is just a click away from wherever you are. You can access your accounts, transfer funds, and even pay bills right from your smartphone. Additionally, our ATM & Cash Withdrawal Services ensure you have quick access to your cash whenever you need it. Our branch also provides basic drive-thru banking for convenient deposits and withdrawals without leaving your vehicle. If you're in a hurry or prefer staying in the comfort of your car, our Basic Drive-Thru Banking is perfect for quick transactions.
Get Started Today!
We invite you to visit us at our branch located at 205 West St, Grinnell, IA 50112, or give us a call at 641-236-7267 during our operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. Let us help you explore the best financial solutions for your needs at Community 1st! Your journey towards financial success starts here!
Personal Banking Services
When it comes to personal banking, we offer Checking & Savings Accounts that cater to different lifestyles and financial habits. Imagine having a checking account with no monthly fees, coupled with an easy-to-manage savings account that helps you reach your saving milestones faster. For those considering a new car or needing vehicle repairs, our Auto Loans & Vehicle Financing make purchasing or refinancing simple and affordable. If buying a home is on your horizon, our Mortgage Loans & Refinancing options are designed to make the process as smooth as possible. We understand that life can bring unexpected expenses; that's why our Personal Loans & Debt Consolidation services can help you manage those costs effectively. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn points on purchases while enjoying flexibility in payments.
Digital & Online Banking
Enhanced Features
Have you ever needed to send money to a friend or family member instantly? With our person-to-person transfer feature, it's never been easier. Just a few taps on your phone and the money is sent! Additionally, we support mobile payments, so you can make purchases quickly and securely with just your device. Security is our top priority at Community 1st. We employ advanced measures to protect your information while ensuring that accessing your accounts remains straightforward and stress-free. In summary, our digital banking services are crafted to fit your lifestyle. From checking balances to making payments and everything in between, Community 1st puts the power in your hands with easy-to-use tools that help you stay connected to your finances wherever life takes you.
Key Services
With our online banking platform available at https://www.c1stcreditunion.com/, you can easily access your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, our user-friendly interface makes it simple. You can also take advantage of electronic signature authorization for a quick and hassle-free way to sign documents without needing to visit the branch. For those who prefer paperless options, we provide e-statements that keep you informed about your financial activities while reducing clutter. Plus, if you're on the go, our mobile application allows you to manage your accounts right from your smartphone.
Financial Strength
At Community 1st, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to maintaining strong financial health ensures that you can trust us with your money, knowing we are here to support your financial journey. Sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results, our financial data reflects our dedication to serving you effectively. 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. 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. With $70,392,193 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust; we have $10,056 in used auto loans and a total of $849,716,963 in loans and leases available to support your financial goals across various sectors. Our operational efficiency shines through with a net income of $6,695,353, 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 and committed team. In total, we proudly manage 157,756 share accounts, showing a strong and growing member base that trusts us with their finances. 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 205 West St Grinnell IA 50112 or call 641-236-7267 to learn more about how we can help you achieve your financial goals. 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 competitive interest rates that make financing your next vehicle straightforward and affordable.
Business Financing
For business owners looking to expand or manage their operations more efficiently, our outstanding commercial loans total $248,556,909. These loans are designed to provide the necessary capital for growth and development.
Credit Lines
Additionally, we offer credit lines totaling $168,505,851 which can be an excellent resource for managing both personal and business expenses. This flexibility allows you to access funds as needed while only paying interest on what you use. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Whether you're interested in auto financing or exploring mortgage options, Community 1st is here to support you every step of the way. Visit us today or give us a call we're ready to help you take the next step towards achieving your financial aspirations!
Mortgage Loans
Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $39,050,005, making buying or refinancing simple. We also provide refinancing options to help you secure better terms on existing loans ensuring you can invest in your dream home without the hassle.
Unsecured Credit Card Loans
We also offer flexible terms on unsecured credit card loans. While currently we have $0 in unsecured credit card loans available, our goal is to help you manage your finances effectively when this option becomes available.
Loan Aggregator
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