Community 1st Ottumwa IA Credit Union | Best Auto Loans & Checking

Introduction

Welcome to Community 1st, your trusted partner in financial well-being, located at 739 Pennsylvania Ave, Ottumwa, IA 52501. Established in 1936, we've been dedicated to serving our community for over 85 years. With a robust membership of 69,212 individuals and total assets reaching an impressive $1,014,113,656, we pride ourselves on being more than just a credit union; we are a vital part of the fabric that holds our community together. At Community 1st, we understand that each member's needs are unique. That's why we offer a wide range of services designed to help you achieve your financial goals. Whether you're looking for personal banking solutions like checking and savings accounts, seeking financing options through auto loans or mortgages, or exploring business banking services, we have you covered. Our commitment to our members is reflected in our solid financial foundation. With total deposits amounting to $75,173,643 and net worth standing at $105,687,386, you can trust that your money is safe with us. We also maintain a healthy cash reserve of $8,806,864, ensuring we can meet your needs promptly. Under the leadership of CEO Gregory Hanshaw and Board President Tim Elliott, our team of 295 employees is here to provide exceptional service and support. We take pride in being accessible; you can reach us at 641-683-6752 during our convenient operating hours: Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. If you'd like to learn more about how Community 1st can assist you on your financial journey or if you have any questions about our services, don't hesitate to visit us online at Community 1st or give us a call today! We look forward to helping you thrive financially!

Branch History & Mission

Commitment to Accessibility

We understand that convenience matters. That's why we offer operating hours from Monday through Friday from 8:30 am to 5:00 pm and Saturday from 8:30 am to 12:00 pm. For added convenience, our drive-thru service operates until 5:30 pm on weekdays and provides access on Saturdays as well. Additionally, we ensure easy access through ATMs available at our branch. As technology continues to advance, so do we. Our digital services include online banking, mobile payments, and e-statements making it easier than ever for you to manage your finances on your terms.

Join Us Today!

If you're looking for a financial partner that prioritizes your needs while fostering community growth, look no further than Community 1st. We invite you to visit us at 739 Pennsylvania Ave, or contact us at 641-683-6752 to learn more about how you can benefit from membership. Join us today and experience firsthand how we can help you achieve your financial goals while being part of something bigger!

Our Mission

At Community 1st, our mission is simple yet powerful: we aim to provide exceptional financial services while actively supporting our local community. We believe that banking should be more than just transactions; it should empower individuals and foster connections. Our services include personal banking solutions like checking and savings accounts, auto loans, mortgages, and credit cards with rewards all designed with our members' best interests in mind. We are proud of our strong commitment to community outreach. Through various partnerships and initiatives, we support local organizations and events that enrich the lives of those in Wapello County and beyond. Whether it's through financial education programs or charitable contributions, we are invested in making a positive impact.

Branch Location & Accessibility

Convenient Location

Situated just a stone's throw away from local landmarks, Community 1st is easily reachable for all residents. If you're near the bustling downtown area or visiting the nearby parks, swing by and see us! Our branch is not only conveniently located but also features ample parking and ADA-compliant access for everyone.

Get in Touch

Ready to experience personalized banking? Call us at 641-683-6752 with any questions or visit us today at our Ottumwa location. We're here to help you achieve your financial goals with friendly service and expert guidance. Remember, whether you're visiting us at our branch or reaching out over the phone, we look forward to welcoming you into the Community 1st family!

Operating Hours

We know your time is valuable. That's why we offer extended hours to accommodate your busy schedule. Our lobby is open Monday through Friday from 8:30 AM to 5:00 PM, and on Saturdays from 8:30 AM to 12:00 PM. For those who prefer the drive-thru option, we've got you covered our drive-thru service operates from 7:30 AM to 5:30 PM on weekdays and until noon on Saturdays.

Services Tailored for You

At Community 1st, we offer a range of services tailored to meet your banking needs, including personal checking and savings accounts, auto loans, mortgage options, and even business banking services. Need cash quickly? We have an ATM available on-site for easy withdrawals and balance checks.

Member Eligibility

Becoming a member of Community 1st is like joining a family that truly cares about your financial well-being. Whether you live in the area or work nearby, we welcome you with open arms! Membership is available to anyone who resides, works, worships, or attends school in Wapello County and surrounding areas. It's our way of fostering a strong community spirit and supporting each other. As a member, you'll enjoy personalized service, competitive rates on loans, and access to a wide range of financial products tailored just for you. Ready to take the next step? Opening an account at Community 1st is easy! Simply visit us at 739 Pennsylvania Ave, Ottumwa, IA 52501 or give us a call at (641) 683-6752 for more information. You can also find detailed eligibility criteria on our website at . We look forward to welcoming you into our community!

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 Matter

In addition to loans, we offer merchant services tailored to meet the needs of your business. Imagine processing payments seamlessly whether you're at a bustling market or running an online store. Our tools make it easy for you to accept payments and manage transactions efficiently, allowing you to focus on what truly matters growing your business. Visit us at 739 Pennsylvania Ave, Ottumwa, IA 52501, or call us at 641-683-6752. Let's take your business to the next level together!

Comprehensive List Of Services

Business Banking Solutions

For local entrepreneurs and business owners, Community 1st has you covered with our comprehensive business banking services. From merchant services that simplify payment processing to business loans that support growth and expansion, we're committed to helping your business thrive.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can check balances, make transfers, pay bills, and even deposit checks right from your smartphone or computer. Plus, our ATM services ensure that accessing cash is as easy as possible.

Credit Cards and Rewards

We understand that rewards matter. That's why we offer credit cards with rewards, allowing you to earn points on everyday purchases which can be redeemed for travel, merchandise, or even cash back. This makes every dollar spent work harder for you.

Drive-Thru and ATM Services

If you prefer face-to-face interactions but are short on time, take advantage of our drive-thru banking, where simple transactions like deposits and withdrawals can be handled quickly without leaving your car. We also have basic ATM access for balance checks and cash withdrawals whenever you need it. At Community 1st, located at 739 Pennsylvania Ave, Ottumwa, IA 52501, we're dedicated to providing exceptional service tailored to your financial needs. With our friendly staff ready to assist you during our lobby hours from Monday through Friday (8:30 am - 5:00 pm) and Saturday (8:30 am - 12:00 pm), we invite you to visit us or give us a call at 641-683-6752 for more information. Explore all the ways Community 1st can support your financial goals by visiting us today! Your path to financial success starts here.

Personal Banking Services

For individuals seeking to manage their finances effectively, we provide various personal banking options. You can open checking and savings accounts tailored to your lifestyle, making it simple to save for that dream vacation or manage everyday expenses. If you're thinking about purchasing a new vehicle, our auto loans and vehicle financing services can help you get behind the wheel without breaking the bank. Are you planning to buy a home? Our mortgage loans and refinancing options are designed with competitive rates to ensure your homeownership dreams become a reality. If you need some extra cash for unexpected expenses or want to consolidate debt, our personal loans are flexible and user-friendly.

Digital & Online Banking

At Community 1st, we understand that your time is valuable, and managing your finances should be as easy and secure as possible. Our digital and online banking services are designed to provide you with convenient access to your accounts anytime, anywhere. With just a few clicks at https://www.c1stcreditunion.com/ , you can take advantage of our 24/7 online banking services. This means you can check your balances, pay bills, and transfer funds without having to visit the branch. If you're on the go, our mobile application puts all these features right at your fingertips. You can even make mobile payments easily, allowing you to shop or settle up with friends in a flash. We also offer person-to-person transfers, making it simple to send money to family or friends without any hassle. Need to sign a document? No problem! Our electronic signature authorization feature ensures that you can complete transactions securely from the comfort of your home. For those who prefer paperless options, we provide e-statements so you can view your account statements electronically whenever you need them. This not only helps you stay organized but also contributes to a greener environment. Security is our top priority. With robust measures in place, including encryption and multi-factor authentication, you can have peace of mind knowing that your personal information is protected while using our digital services. Embrace the ease of managing your finances with Community 1st's digital and online banking solutions where convenience meets security!

Financial Strength

Committed to 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 capacity to lend is evident with $10,056 in used auto loans and $849,716,963 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is reflected in our $6,695,353, which enables us to keep 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 ready to assist you with knowledgeable service.

Member-Centric 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.

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. This strong position means that our members can feel confident knowing their money is secure with us.

Trust Built on Transparency

At Community 1st, transparency matters. We have $0 available for lending and investments, showing how well we manage our resources. With a total of 157,756 share accounts, it's clear that more people trust us with their finances every day. 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 739 Pennsylvania Ave Ottumwa Ia 52501 or call (641) 683-6752 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

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 financing options that cater to both new and used vehicles so that you can choose what suits your needs best.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $248,556,909 provide the capital needed to expand operations or invest in new projects. We are committed to supporting local businesses in their journey toward success. At Community 1st, we are dedicated to transparency and providing valuable insights for all our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today! Visit us at our branch or contact us by phone for more information about eligibility and how we can assist you in achieving your financial aspirations.

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 aim to make the mortgage process straightforward and accessible. If you're considering refinancing your current mortgage for better rates or terms, we can help you explore those options as well.

Unsecured Credit Card Loans

For managing everyday expenses or unexpected costs, we also offer flexible terms on unsecured credit card loans. Although currently we have no outstanding amounts in this category, our offerings can still help you manage your finances effectively when they become available.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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COMMUNITY 1ST CREDIT UNION - Ottumwa, IA