Community 1st Knoxville IA Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Community 1st, your trusted partner in financial wellness, located right here at 1008 W Bell Ave Ste 103, Knoxville, IA 50138. Since our establishment in 1936, we have proudly served our community and fostered a sense of belonging among our members. With a total membership of over 69,200, we are dedicated to providing personalized banking solutions that cater to your unique needs. At Community 1st, we understand that financial stability is crucial. That's why we manage assets totaling an impressive $1,014,113,656, ensuring that your money is secure and working for you. Our commitment to you is reflected in our total deposits of $75,173,643 and a solid net worth of $105,687,386. We pride ourselves on being transparent and reliable, with cash reserves of $8,806,864 readily available to support our members. Our leadership team, headed by CEO Gregory Hanshaw and Board President Tim Elliott, believes in empowering you through accessible financial services. Whether you're looking for personal banking options like checking accounts or auto loans or business solutions such as merchant services and business loans, we have it all under one roof. Our friendly staff is here to assist you with any questions you may have. While members can visit us at our branch in Knoxville for face-to-face service, official correspondence should be sent to the same address: 1008 W Bell Ave Ste 103, Knoxville, IA 50138-3100. You can reach us at 641-828-6775 during our operating hours from 8:30 AM to 5:00 PM, Monday through Friday. Explore more about what we offer by visiting our website at Community 1st. We invite you to join our growing family and experience the difference a member-focused credit union can make in your life. Your financial journey starts here!

Branch History & Mission

Commitment to Innovation

As technology advances, so do we. Community 1st embraces digital tools like online banking and mobile payments to enhance member experiences. Our commitment to accessibility includes ADA compliance across all platforms, ensuring that every member can utilize our services comfortably. While you can visit us during our operating hours from 8:30 AM to 5:00 PM on weekdays, you can also access your accounts anytime through our online services. Although we currently do not have drive-thru banking or shared service centers, our ATM is readily available for your convenience.

Join Us

We invite you to become part of the Community 1st family. Experience firsthand how we blend financial expertise with heartfelt community support. Whether you're opening your first account or seeking advice on loans, we're here for you every step of the way. Feel free to call us at 641-828-6775 for any inquiries or assistance. Together, let's build a brighter financial future!

Our Mission

At Community 1st, our mission is simple yet profound: to provide accessible and affordable financial services while fostering a sense of community and belonging. We believe that everyone deserves the opportunity to achieve their financial dreams. Whether it's through personal banking services like checking and savings accounts or more specialized offerings such as auto loans and mortgages, we aim to empower our members with the tools they need for success. We are dedicated not just to banking but also to giving back. Our branch actively engages in community outreach programs and partnerships that uplift local families and businesses. From sponsoring local events to supporting educational initiatives, we strive to make a positive impact beyond just numbers.

Branch Location & Accessibility

Welcome to Community 1st, your friendly neighborhood credit union located conveniently at 1008 W Bell Ave Ste 103 in Knoxville, IA. Our branch is nestled in the heart of Marion County, making it easily accessible for all our members. Whether you're coming from nearby schools or local parks, you'll find us just a short drive away! At Community 1st, we understand that convenience matters. Our branch offers ample parking and is designed with accessibility in mind. We ensure that everyone can comfortably access our services, thanks to features like ramps and ADA-compliant facilities. Our lobby hours are set to accommodate your busy schedule, welcoming you from 8:30 AM to 5:00 PM, Monday through Friday. While we don't have a drive-thru service, our friendly team is always ready to assist you inside the branch. And if you're on the go, rest assured that you can still access your funds easily with our ATM services available right here. If you need to get in touch with us for any banking needs or inquiries, please feel free to call us at 641-828-6775. For official correspondence, while you can visit us at our Knoxville address, we also accept mail at the same location: 1008 W Bell Ave Ste 103, Knoxville, IA 50138-3100. At Community 1st, we pride ourselves on offering a variety of personal and business banking services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. So why wait? Stop by today or give us a call we're here to help you achieve your financial goals!

Member Eligibility

At Community 1st, we believe in the power of community and welcome you to join our family! Becoming a member is easy and open to those who live, work, worship, or attend school in our area. This means that if you have ties to Knoxville, IA, you're likely eligible for membership. By choosing Community 1st, you're not just opening an account; you're gaining access to personalized financial services designed with your needs in mind. For more details on eligibility criteria and how you can become part of our vibrant community, please visit this link. If you're ready to get started on your journey with us, feel free to call us at (641) 828-6775 or stop by our branch located at 1008 W Bell Ave Ste 103 Knoxville Ia 50138. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer practical merchant services that simplify transactions for your business. Imagine a busy Saturday at your store having reliable payment processing means you can focus on serving customers instead of worrying about how they pay. Our services ensure that you can accept payments easily, whether it's through credit cards, mobile payments, or online sales. Located at 1008 W Bell Ave Ste 103 Knoxville Ia 50138 in Knoxville, IA, we're here to help you navigate the financial landscape of running a business. Contact us today at (641) 828-6775 to learn more about how we can support your growth journey!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For our business members in Knoxville, we offer comprehensive business banking services including merchant services and business loans. We know how important it is for local businesses to thrive, so our solutions are crafted with small businesses in mind.

Convenience at Your Fingertips

With an ATM available at our branch and basic ATM access for withdrawals and balance checks, accessing your money is simple and straightforward. You can even use mobile payments for quick transactions without needing cash or cards.

Credit Cards That Reward You

Our credit cards come with rewards that can enhance your spending experience. Whether it's earning cash back on everyday purchases or points toward travel, we have options that cater to your lifestyle.

Flexible Personal Loans

If you're facing unexpected expenses or planning for a big purchase, our personal loans provide the financial support you need. We also offer debt consolidation options that can help streamline your payments into one manageable monthly amount.

Home Financing Made Simple

Looking to purchase a new home or refinance your existing mortgage? At Community 1st, we offer mortgage loans designed to simplify the process for you. Our knowledgeable staff is here to guide you through each step, ensuring that you find the right loan that fits your budget and goals.

Let's Connect!

To learn more about how Community 1st can serve you better, give us a call at 641-828-6775 or visit us online at www.c1stcu.com. We're here Monday through Friday from 8:30 AM to 5:00 PM, ready to help you achieve your financial goals! Join us today and experience the difference of community-focused banking!

Personal Banking Solutions

We understand that managing your personal finances can sometimes feel overwhelming. That's why our personal banking options include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, make transfers, and pay bills from the comfort of your home or on-the-go. For those considering a new vehicle, our auto loans and vehicle financing options make it easier than ever to drive away in your dream car. With competitive rates and flexible terms, we help turn your automotive dreams into reality.

Digital & Online Banking

Easy Transfers and Always Available

Need to send money to a friend or family member? Our Person-to-Person Transfers allow you to transfer funds easily and securely, making it perfect for splitting bills or sending gifts. And with 24/7 Online Banking Services, you never have to worry about not having access to your account when you need it most. At Community 1st, we prioritize your security as much as we value convenience. You can rest assured knowing that all transactions are protected by robust security measures. Enjoy real-time account management while feeling confident in the safety of your information. Explore all these features and more by visiting us online at Community 1st. We're here to support you every step of the way!

Key Features

Our online banking service offers a variety of tools to help you stay on top of your financial needs. With features like E-Statements, you can say goodbye to cluttered mailboxes and easily access your statements online whenever you need them. Plus, we provide Electronic Signature Authorization for a quick and secure way to approve transactions without the hassle of paperwork. If you're looking for fast payments, our Mobile Payments feature lets you pay directly from your phone with just a few taps. And for those who want even more flexibility, our Mobile Application makes it simple to manage your account right from your device whether it's checking balances, transferring funds, or paying bills.

Financial Strength

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 $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.

Reinvestment for Growth

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 your financial goals with $10,056 in used auto loans and $849,716,963 in total loans and leases.

Solid Foundation

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.

Strong Membership Base

With total share accounts reaching 157,756, we have a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0 further affirm our capability to serve you effectively. 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 1008 W Bell Ave Ste 103 Knoxville Ia 50138 or call (641) 828-6775 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. Whether you're interested in a brand-new model or a reliable used car, our flexible financing options make it easier than ever to drive away with the vehicle you need.

Credit Lines and Commercial Loans

For those looking for additional flexibility, we have total credit lines amounting to $168,505,851 available for our members. Additionally, if you're a business owner seeking capital to grow and expand your enterprise, our outstanding commercial loans totaling $248,556,909 can provide the funding needed to take your business further. At Community 1st located at 1008 W Bell Ave Ste 103, Knoxville IA 50138, we're dedicated to serving our community's financial needs. If you're interested in learning more about any of these loan products or exploring eligibility options for refinancing, don't hesitate to reach out! You can call us at 641-828-6775 during our operating hours from 8:30 AM to 5:00 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $39,050,005, providing an excellent opportunity for those ready to take the step toward owning their own home. Our team is here to help guide you through the process and ensure you find the right mortgage solution for your financial situation.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans. While currently our total unsecured credit card loans stand at $0, our focus remains on providing options that help our members manage their finances effectively when they need it most.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This platform is designed to empower users with clear insights into their borrowing options, making it easier to find loans that fit their needs. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to compliance guarantees that the loan offers presented are fair and transparent. One of the key advantages of using LendMesh is its emphasis on verified data. All loan offers come from legitimate financial institutions, which fosters a trustworthy environment for users. Additionally, LendMesh operates without sponsored listings; lenders are not prioritized based on paid promotions. Instead, the focus remains solely on providing unbiased results, allowing users to make informed choices. Another benefit is real-time rate comparisons. Users can access up-to-date loan rates from multiple institutions in one place. This feature enables borrowers to evaluate various options quickly, ultimately helping them save money over the life of their loans. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the tool can be in helping individuals achieve better financial outcomes. 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