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

Introduction

Welcome to Community 1st, your trusted partner in financial wellness located at 714 W McLane St, Osceola, IA 50213. Established in 1936, we have proudly served our community for over eight decades, nurturing relationships built on trust and support. With a total membership of 69,212, we're committed to providing personalized banking solutions that empower you to achieve your financial goals. At Community 1st, our assets total an impressive $1,014,113,656, allowing us to offer robust services tailored to meet the diverse needs of our members. Whether you're looking for auto loans or personal banking options, we have you covered with a variety of products designed just for you. Our total deposits stand at $75,173,643, reflecting the confidence our members place in us. Led by CEO Gregory Hanshaw and Board President Tim Elliott, our dedicated team of 295 employees is here to assist you every step of the way. We understand that every financial decision matters and strive to create an atmosphere where you feel valued and understood. While members can visit us at our branch location, official correspondence should be sent to the same address: 714 W McLane St, Osceola, IA 50213-1534. You can reach us at 866-360-5370 during our lobby hours from 7:30 AM to 5:30 PM on weekdays. Join us today and discover how Community 1st can help you navigate your financial journey. Whether you're in need of a new car loan or simply want to open a savings account, we are here for you. Visit our website at Community 1st or give us a call let's build a brighter financial future together!

Branch History & Mission

A Commitment to Innovation

As times change, so do we. Community 1st embraces modern technology to provide our members with convenient access to their accounts through online banking and mobile apps. With features like electronic signatures and person-to-person payments, managing your finances has never been easier. We also prioritize accessibility by ensuring our services comply with ADA standards. Our drive-thru banking and ATM availability offer additional convenience for those on the go. While members can visit us at 714 W McLane St for their banking needs, official correspondence should be sent to our mailing address at 714 W McLane St, Osceola, IA 50213-1534.

Join Us

As we look towards the future, we invite you to become part of the Community 1st family. Experience firsthand how our dedication to service can benefit you and your loved ones. Together, let's build a brighter financial future! For more information or assistance, call us at 866-360-5370 or explore our website at Community 1st.

Our Mission

Our mission at Community 1st is simple yet powerful: to provide financial products and services that help our members achieve their goals while fostering a sense of community and support. We understand that each member has unique needs, and we strive to offer personalized solutions that make a real difference in their lives. Whether you're looking to buy your first home or start a new business venture, we're here to guide you every step of the way. Community involvement is at the heart of what we do. We actively participate in local initiatives that enhance the quality of life for all residents. From sponsoring community events to partnering with local organizations, we are committed to giving back and making Osceola a better place for everyone.

Branch Location & Accessibility

Get in Touch

Ready to experience exceptional service? We invite you to drop by or give us a call at 866-360-5370. At Community 1st, we look forward to helping you achieve your financial goals!

Nearby Landmarks and Accessibility

As you approach our branch, you'll notice that we're just a short drive from popular spots like the Clarke County Fairgrounds and the beautiful Lake Ahquabi State Park. Whether you're stopping by after a visit to these attractions or making us your first stop of the day, you'll appreciate the ease of access we provide.

Operating Hours and Services

We are here for you Monday through Friday from 7:30 AM to 5:30 PM. During these hours, our team is ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgage loans, and business banking solutions. If you're in need of quick cash or simple transactions, take advantage of our drive-thru service or ATM access available on-site. While members can visit us at 714 W McLane St, official correspondence should be sent to our mailing address at 714 W McLane St, Osceola, IA 50213-1534.

Parking and Features

At Community 1st, we understand that convenience matters. That's why we offer ample parking right outside our door, making it easy for you to pop in for a quick transaction or spend more time discussing your financial options with our staff. Our branch is fully ADA-compliant, ensuring that everyone can comfortably access our services.

Member Eligibility

At Community 1st, we believe that everyone deserves a place in our community, and becoming a member is your first step towards enjoying the benefits we offer. If you live, work, or worship in the Osceola area, or have a family member who is already part of our credit union, you're likely eligible to join us! We strive to create an inclusive environment where you can access personalized financial services tailored to your needs. Plus, as a member of Community 1st, you'll enjoy competitive rates on loans and savings accounts, along with exceptional customer service from our friendly team. Joining is simple! Just head over to our website at for detailed eligibility criteria. If you're ready to take the next step, check out how easy it is to open an account by visiting . Should you have any questions or need assistance, feel free to call us at (866) 360-5370. We can't wait to welcome you into our family at Community 1st, located at 714 W Mclane St Osceola Ia 50213!

Business Banking & Commercial Services

Commercial 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 addition to loans, we offer merchant services tailored for your day-to-day operations. Imagine being able to accept payments easily from customers, whether they pay with cash, card, or mobile wallet. Our tools help streamline transactions so you can focus on what matters most growing your business. Located at 714 W Mclane St Osceola Ia 50213 in Osceola, IA, our team is ready to partner with you on your journey to success. Reach out at (866) 360-5370 and let's discuss how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For our local entrepreneurs and businesses, we offer tailored business banking solutions, including merchant services and business loans. We recognize the unique challenges faced by small businesses and are dedicated to providing support so you can thrive.

Community Engagement

At Community 1st in Osceola, we believe in building strong relationships within our community. Our friendly staff is always ready to assist you with any questions or concerns. You can reach us at 866-360-5370 during our lobby hours from 7:30 AM to 5:30 PM. We invite you to explore all the ways we can help simplify your financial life at Community 1st. Whether you're looking for personal banking solutions or business support, we have something for everyone. Stop by today or visit us online at c1stcreditunion.com to learn more about how we can serve you better!

Credit Card Rewards

Don't forget about our competitive credit cards with rewards! They not only allow you to make purchases conveniently but also earn points for travel, cash back, or other rewards along the way.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that let you manage your finances anytime, anywhere. With features like ATM access, cash withdrawal services, as well as basic drive-thru banking for quick deposits and withdrawals, we're committed to making your banking experience as easy as possible.

Home Financing and Loans

For those dreaming of homeownership, our mortgage loans and refinancing services can help turn that dream into reality. We understand that buying a home is one of the biggest decisions you'll make, and we're here to guide you through every step of the process. Additionally, if you're facing unexpected expenses or want to consolidate your debt, our personal loans and debt consolidation services can provide the financial relief you need.

Personal Banking Solutions

Whether you're opening your first checking account or looking for a safe place to save, our personal banking options are designed with you in mind. We offer checking and savings accounts that fit various lifestyles and financial situations. If you're planning to buy a new car or need financing for a vehicle, our auto loans and vehicle financing options make it easy to get on the road without breaking the bank.

Digital & Online Banking

E-Statements and Mobile Banking

Say goodbye to paper clutter with our e-statements! Not only are they environmentally friendly, but they also allow you to view your account statements conveniently online. And for those on the go, our mobile application offers robust features that let you manage your finances right from your smartphone. With mobile payments enabled, making purchases has never been easier just tap and go!

Online Banking Features

With 24/7 online banking services available at https://www.c1stcreditunion.com/ , you have the power to handle your banking needs on your schedule. Whether you want to check your balance, transfer funds, or pay bills, it's all just a few clicks away. Plus, our electronic signature authorization feature makes signing documents a breeze, so you can complete transactions quickly and securely from the comfort of your home.

Person-to-Person Transfers

Need to send money to a friend or family member? Our person-to-person transfer service is quick and straightforward. You can easily send money without needing cash or checks, making it perfect for splitting bills or sending gifts. At Community 1st, we prioritize not just convenience but also security. Your data is protected with advanced encryption technology, ensuring that your information remains safe while you enjoy all these benefits. Experience the freedom of managing your finances on your terms with our comprehensive digital banking services. Visit us at https://www.c1stcreditunion.com/ today and discover how easy banking can be!

Financial Strength

Growing Trust Among Members

The trust placed in us by our members is evident with a total of 157,756 share accounts. This growing member base reflects the confidence you have in us to manage your finances responsibly. 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 714 W Mclane St Osceola Ia 50213 or call (866) 360-5370 to learn more about how we can help you achieve your financial goals.

Member Savings and Resources

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 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, committed team.

Reinvesting for Growth

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

Strong 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 competitive rates to make your auto financing experience smooth and straightforward.

Commercial Loans

For business owners, our outstanding commercial loans totaling $248,556,909 provide the capital needed to grow and expand. We understand that having the right financial tools is vital for business success. If you're considering refinancing or want to learn more about eligibility options for any of our loan products, please reach out. Our team is ready to help you navigate your choices so you can make informed decisions. Feel free to visit us at 714 W Mclane St Osceola IA 50213 or give us a call at 866-360-5370. We're here to support you every step of the way! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines

For those looking for more flexibility in their finances, our total credit lines of $168,505,851 can be an excellent option. Whether you're planning a major purchase or need a safety net for unexpected expenses, our credit lines can give you peace of mind.

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 can guide you through the process to ensure you find a loan that fits your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans; however, currently we have no outstanding amounts in this category. This means when we do offer them again, you'll have great opportunities to manage your finances effectively.

Loan Aggregator

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Ensuring Accurate Comparisons

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COMMUNITY 1ST CREDIT UNION