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

Introduction

Welcome to Community 1st, your trusted financial partner located at 235 Richmond Ave, Ottumwa, IA 52501. Since our establishment in 1936, we've been dedicated to serving our members and the local community with integrity and care. With over 69,212 members and a solid commitment to their financial well-being, we strive to provide personalized banking solutions that fit your unique needs. At Community 1st, we understand that life can be unpredictable, which is why we offer a range of services including checking and savings accounts, auto loans, mortgage options, personal loans, and business banking services. Our total assets now exceed $1 billion, reflecting our growth and stability. We pride ourselves on maintaining a net worth of $105,687,386 and cash reserves of $8,806,864, ensuring that we can support you through every stage of your financial journey. While members can visit us at our Ottumwa branch for face-to-face service or use our online tools for convenience, official correspondence should be sent to our mailing address: PO Box 737, Ottumwa, IA 52501. Whether you're looking for help with financing a new vehicle where we've funded over 29,162 loans and leases or seeking advice on how to manage your savings effectively, our experienced team is here to guide you. Our CEO Gregory Hanshaw and Board President Tim Elliott lead a passionate team of 295 employees, all committed to enhancing your banking experience. We believe in building lasting relationships within the community by offering reliable services that truly make a difference. Ready to take the next step? Give us a call at 641-684-5448 or visit us online at c1stcreditunion.com. Join us today and discover how Community 1st can help you achieve your financial goals!

Branch History & Mission

Community 1st has a rich legacy that began in 1936, rooted in the heart of Ottumwa, Iowa. Over the decades, we have grown from a small credit union to a significant financial institution that serves over 69,000 members. Our branch at 235 Richmond Ave is not just a location; it's a place where dreams are nurtured and financial journeys begin. From our humble beginnings, Community 1st has evolved with our community's needs. We've expanded our services and adapted to changes in technology while maintaining our core mission: to enhance the financial well-being of our members and support the communities we serve. With total assets exceeding $1 billion, we pride ourselves on being a stable partner for your financial future. Our mission is simple yet profound: to provide accessible financial services that empower individuals and families. We offer personal banking solutions such as checking and savings accounts, auto loans, mortgages, and business banking services. We believe in supporting our members beyond transactions; we engage in meaningful community outreach and partnerships that uplift those around us. While members can visit us at 235 Richmond Ave, official correspondence should be sent to PO Box 737, Ottumwa, IA 52501. Our operating hours are designed with your convenience in mind: 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 quick access, our drive-thru operates until 5:30 pm on weekdays and until noon on Saturdays. At Community 1st, we strive for accessibility. We provide an ATM for quick cash withdrawals and ensure ADA compliance across all services. Additionally, we embrace modern conveniences such as online banking and mobile payments to keep you connected to your finances anytime you need. Join us in celebrating a legacy built on trust and service. At Community 1st, you're not just a member; you're part of a family committed to your success. Experience the benefits of membership today by reaching out at 641-684-5448 or visiting us online at www.c1stcreditunion.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is equipped with ADA-compliant features, including ramps for easy access and spacious parking available right outside. No matter how you choose to visit us whether walking in or using our drive-thru service you'll find it straightforward and welcoming.

Operating Hours

At Community 1st, we strive to be available when you need us most. Our lobby hours are Monday through Friday from 8:30 AM to 5:00 PM and Saturday from 8:30 AM to 12:00 PM. If you're on the go, take advantage of our drive-thru banking which operates until 5:30 PM on weekdays and noon on Saturdays. We're here to support your banking needs with flexibility and convenience.

Services Offered

From checking and savings accounts to auto loans and mortgage options, we provide a range of services tailored for every member of our community. You can also enjoy easy ATM access for withdrawals and balance checks anytime. Our friendly team is always ready to help you navigate through personal loans, credit cards with rewards, business banking services, and much more. We invite you to visit Community 1st at our Ottumwa branch or give us a call at 641-684-5448. Experience the personalized service that sets us apart!

Member Eligibility

At Community 1st, we believe that everyone deserves a place to belong and thrive. Becoming a member is simple and welcoming! If you live, work, or worship in the areas we serve, you're likely eligible to join our family. We take pride in offering a supportive community where your financial needs come first. To find out if you qualify, check out our detailed eligibility informati. Once you're ready to take the next step, opening an account with us is easy and straightforward. You can reach us anytime at (641) 684-5448, or visit us at our branch located at 235 Richmond Ave Ottumwa Ia 52501. Our friendly team is here to guide you through every step of the process, making sure you feel right at home. Join us today and experience the benefits of being part of Community 1st!

Business Banking & Commercial Services

Practical Merchant Services

In today's fast-paced marketplace, having the right tools at your disposal is crucial. Our merchant services offer solutions that make transactions smoother for you and your customers. Imagine being able to accept payments effortlessly while managing your cash flow more effectively this is what our merchant services can do for your business. Visit us at 235 Richmond Ave, Ottumwa, IA 52501, or call us at 641-684-5448 to learn how Community 1st can be your partner in success. Let's work together to turn your business goals into reality!

Tailored Business 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

ATM and Drive-Thru Services

For those who prefer face-to-face interactions or need quick cash withdrawals, we also provide ATM access as well as basic drive-thru banking services for deposits and withdrawals. Our drive-thru hours are designed to fit into your busy schedule. At Community 1st, we believe in building strong relationships with our members while offering comprehensive financial solutions that empower them to achieve their goals. If you have any questions about our services or need assistance selecting the right option for you, don't hesitate to reach out! Give us a call at (641) 684-5448 or visit us at 235 Richmond Ave Ottumwa Ia 52501. Let's work together towards a brighter financial future!

Business Banking Solutions

If you're running a business, Community 1st has got you covered too. Our business banking services include merchant services and business loans tailored specifically for entrepreneurs like you. We understand the unique challenges businesses face, and we're here to help them thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options. You can easily access your accounts from anywhere using our user-friendly app or website. Whether it's paying bills, transferring money through person-to-person payments, or checking balances, managing your finances has never been easier.

Home Financing Solutions

For those looking to buy a home or refinance an existing mortgage, our mortgage loans are here to support your journey. We understand that securing the right loan is crucial for achieving homeownership, and our friendly staff is ready to guide you through every step.

Personal Banking Made Easy

Starting with our personal banking options, we offer various checking and savings accounts designed to fit different lifestyles. Our accounts come with features that help you manage your money effortlessly. If you're considering purchasing a new car, our auto loans and vehicle financing solutions can help you hit the road in no time.

Personal Loans for Your Needs

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. These services can provide the financial relief you need during challenging times.

Rewards with Every Purchase

Don't forget about our credit cards equipped with rewards! With each purchase, you'll earn points that can be redeemed for various perks, making your spending even more rewarding.

Digital & Online Banking

Accessible Online Banking

With our 24/7 online banking services available at https://www.c1stcreditunion.com/, you can check your balances, transfer funds, and pay bills anytime, anywhere. No more waiting in long lines or rushing to the bank before it closes. You have real-time access to your accounts, making it simple to stay on top of your financial goals.

Eco-Friendly E-Statements

We care about the environment as much as we care about you! That's why we provide e-statements for those who want a paperless option. Enjoy the peace of mind knowing that you can access your statements anytime without worrying about clutter.

Enhanced Features for Your Convenience

Our mobile application is here to simplify your banking experience even further. Whether you're out shopping or enjoying a weekend getaway, you can easily make mobile payments, send money with person-to-person transfers, and manage your accounts right from your smartphone. Plus, we offer electronic signature authorization for added ease when completing transactions.

Security You Can Trust

Your security is our priority. Our digital banking platform employs advanced security measures to keep your information safe while providing a user-friendly experience. You can bank with confidence knowing that your personal data is protected. At Community 1st, we aim to empower our members with tools that enhance their financial well-being. Join us today and take advantage of our innovative digital banking services!

Financial Strength

Member-Centric 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 commitment to operational efficiency is reflected in our $913,180, 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 capacity to lend is robust; with $10,056 in used auto loans and $849,716,963 in total loans and leases, we support members' financial goals across various sectors.

Solid Financial Foundations

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.

Trust Built Over Time

Total Share Accounts: 157,756, show a strong and growing member base that trusts us with their finances. This trust is vital as it allows us to focus on what truly matters 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 235 Richmond Ave Ottumwa Ia 52501 or call (641) 684-5448 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 can be customized to fit your budget and needs.

Business Financing

For business owners, our outstanding commercial loans totaling $248,556,909 provide the capital needed to grow and expand. We understand the unique challenges businesses face and strive to support local entrepreneurs with funding solutions that work. If you are interested in refinancing any existing loans or would like to learn more about eligibility options for our various loan products, please don't hesitate to reach out. You can contact us at 641-684-5448 or visit us at 235 Richmond Ave, Ottumwa IA 52501 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. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let Community 1st be your partner in achieving financial success!

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 believe that having a home should be accessible and straightforward for everyone.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, although currently we do not have any active unsecured credit card loans in our portfolio. This means you can expect even better offerings as we continue to grow our services!

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 sourcing method guarantees that all offers are fair and transparent, allowing users to compare options without hidden agendas. One of the key benefits of using LendMesh is Verified Data. All loan offers come from legitimate financial institutions, ensuring users can trust the information they see. Additionally, there are No Sponsored Listings; LendMesh does not prioritize lenders based on paid promotions this commitment to unbiased results fosters confidence among users looking for the best deals. With Real-Time Rate Comparisons, borrowers can access up-to-date loan rates from multiple institutions. This feature helps users make decisions based on current market conditions rather than outdated data, enhancing their chances of securing favorable terms. 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!" This testimonial reflects the effectiveness and credibility of the platform. 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 - Ottumwa, IA

Type of Loan Offerings

Home Equity Loans

Mortgage Loans

Personal Loans

Student Loans

Vehicle Loans

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Loan rates in Ottumwa, IA (52501)

Introduction

Branch History & Mission

Branch Location & Accessibility

Accessibility Features

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Practical Merchant Services

Tailored Business Loan Options

Comprehensive List Of Services

ATM and Drive-Thru Services

Business Banking Solutions

Digital Banking Features

Home Financing Solutions

Personal Banking Made Easy

Personal Loans for Your Needs

Rewards with Every Purchase

Digital & Online Banking

Accessible Online Banking

Eco-Friendly E-Statements

Enhanced Features for Your Convenience

Security You Can Trust

Financial Strength

Member-Centric Resources

Operational Efficiency

Reinvestment for Growth

Solid Financial Foundations

Trust Built Over Time

Loan Offering

Auto Loans

Business Financing

Mortgage Loans

Unsecured Credit Card Loans

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

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