Community 1st Ottumwa IA Credit Union | Low Mortgage Rates & Rewards Cards

Introduction

Welcome to Community 1st, your trusted partner in financial wellness since 1936. Located at 600 S Iowa Ave, Ottumwa, IA 52501, we are proud to serve our community with a commitment to transparency and member satisfaction. With a robust membership of 69,212 and total assets reaching an impressive $1,014,113,656, we stand ready to assist you in achieving your financial goals. At Community 1st, we understand that everyone has unique needs. That's why we offer a variety of services tailored just for you whether you're looking for personal banking solutions like checking and savings accounts, or financing options such as auto loans and mortgages. Our aim is to empower you with the tools necessary to navigate your financial journey confidently. Led by our dedicated CEO Gregory Hanshaw and Board President Tim Elliott, our team of 295 employees is here to provide exceptional service every day. We take pride in our strong financial foundation with a net worth of $105,687,386 and total deposits amounting to $75,173,643. We also maintain a healthy cash reserve of $8,806,864, ensuring we can support our members when they need us most. While members can visit us at our branch location for personalized service and assistance, official correspondence should be directed to our mailing address: P.O. Box 737, Ottumwa, IA 52501. We invite you to explore the many benefits of being a part of the Community 1st family. With convenient services like online banking and ATMs available at your fingertips, managing your finances has never been easier. Ready to take the next step? Call us at 866-360-5370 or visit our website at Community 1st to learn more about how we can help you thrive financially!

Branch History & Mission

Community Connections

Community engagement is at the heart of what we do. We actively partner with local organizations to support initiatives that benefit our neighbors. Whether it's sponsoring events or providing resources for local causes, we strive to make a positive impact in Ottumwa and beyond. Join us at Community 1st! Experience the benefits of being part of a credit union that truly cares about your financial well-being. Whether you're looking for a new account or seeking guidance on loans or investments, our team is ready to assist you every step of the way. Reach out today at (866) 360-5370 we look forward to welcoming you into the Community 1st family!

Our Journey

Located at 600 S Iowa Ave, Ottumwa, IA 52501, our branch has evolved significantly since its inception. From modest beginnings to becoming one of the leading credit unions in the area, we have continuously adapted to meet the needs of our members. As we celebrate decades of service, we remain focused on innovation and accessibility. Today, we offer personal banking services, auto loans, mortgages, business banking options, and more all designed with our members' best interests at heart. While members can visit us at 600 S Iowa Ave Ottumwa Ia 52501, official correspondence should be sent to P.O. Box 737, Ottumwa, IA 52501. This ensures all communication is handled efficiently.

Our Mission

Our mission is simple yet powerful: to provide exceptional financial services while fostering community growth and support. We believe that everyone deserves access to quality financial resources and guidance. By prioritizing member education and offering personalized service, we aim to help our community thrive financially. We are proud of our commitment to ADA compliance and ensuring that all members have access to our services. Digital advancements such as online banking and mobile payments allow us to serve you better from wherever you are. Additionally, with convenient ATM availability and operating hours from Monday through Friday from 8:00 AM to 5:00 PM, we're here when you need us.

Branch Location & Accessibility

Accessibility Features

At Community 1st, we prioritize accessibility for all our members. Our branch is equipped with ADA-compliant features including ramps and accessible parking spaces to ensure that everyone can comfortably visit us. You'll find ample parking available right outside our doors.

Operating Hours

We know how important it is for you to have access to your financial services when you need them. That's why our lobby is open Monday through Friday from 8:00 AM to 5:00 PM. Our friendly staff is ready to assist you during these hours with any questions or services you may need.

Services Offered

Community 1st offers a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. Need cash? We have an ATM available on-site for easy withdrawals and balance checks. While we don't currently offer drive-thru service or shared service center options, rest assured that our team is dedicated to providing quality service within our branch. We invite you to come visit us at Community 1st today! If you have any questions or would like more information about our services before stopping by, feel free to give us a call at 866-360-5370. We look forward to serving you!

Member Eligibility

At Community 1st, we believe that becoming a member is more than just opening an account; it's about joining a friendly community that supports you in your financial journey. If you're looking to become part of our family, you'll be glad to know that membership is open to anyone who lives or works in Wapello County or surrounding areas. This means you can easily enjoy all the benefits we offer, including competitive loan rates and personalized service tailored to your needs. To get started, simply visit us at 600 S Iowa Ave, Ottumwa, IA 52501, or give us a call at 866-360-5370 for more details. You can also check out our eligibility criteria at this link for any updates and specific requirements. Joining Community 1st is straightforward and welcoming, so why wait? Let's take this step together!

Business Banking & Commercial Services

Merchant Services

Imagine being able to process payments easily while focusing on serving your customers. Our merchant services offer just that streamlined payment processing that makes transactions quick and efficient. This means less time managing finances and more time growing your business. Located at 600 S Iowa Ave, Ottumwa, IA 52501, our branch is here to help you achieve your business goals. If you have questions or want to learn more about how we can assist you, call us at 866-360-5370. Together, let's build a brighter future for your business!

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

Accessibility and Support

We understand that having the right tools at your fingertips is essential. That's why we ensure basic ATM access for withdrawals and balance checks is available whenever you need it. At Community 1st in Ottumwa, we're not just about transactions; we're about building relationships with our members. Our friendly staff is always ready to assist you with any questions or concerns you may have. If you're ready to explore all that Community 1st has to offer, don't hesitate to reach out! Call us at 866-360-5370 or visit us today. Your financial journey starts here!

Business Banking Made Easy

If you run a business, our business banking services are here to support your growth. From merchant services that simplify transactions to business loans that help fund your next big idea, Community 1st has the resources you need.

Credit Cards and Rewards

Our credit cards come with rewards that make everyday purchases even more beneficial. Picture yourself earning points on groceries or gas that you can redeem for travel or cash back!

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your finances anytime, anywhere. With easy access to account balances, transaction history, and bill payments from your smartphone or computer, staying on top of your financial health has never been easier. You can also enjoy ATM and cash withdrawal services at our location for quick access to cash when you need it.

Personal Banking Solutions

When it comes to personal banking, we offer checking and savings accounts designed for every lifestyle. Imagine having easy access to your funds while enjoying competitive interest rates that help your money grow. If you're thinking about buying a car or need a new vehicle, our auto loans and vehicle financing options are flexible and can fit your budget perfectly. For those dreaming of homeownership or wanting to refinance their existing mortgage, our mortgage loans are crafted with your goals in mind. We understand that life can be unpredictable; that's why we also offer personal loans for debt consolidation or unexpected expenses.

Digital & Online Banking

Key Features

Our online banking platform at https://www.c1stcreditunion.com/ provides 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with ease. Need to send money to a friend? With our person-to-person transfer feature, it's quick and simple just a few taps on your smartphone or tablet. For those who prefer managing their banking on the go, our mobile application makes it easy to keep track of your finances right from your pocket. You can even make payments through mobile payment options, ensuring that paying for things is as straightforward as sending a text.

Security and Accessibility

Security is at the forefront of everything we do. Our electronic signature authorization ensures that your transactions are safe and verified. Plus, with e-statements available, you can easily access your financial information without the clutter of paper statements. At Community 1st, we're committed to making banking easy and accessible for everyone. Whether you're at home or on the move, our digital services allow you to stay connected with your accounts securely and conveniently. Explore all these features today at https://www.c1stcreditunion.com/ and experience a new level of banking with Community 1st!

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. We understand that in today's world, knowing your financial institution is strong can make all the difference. That's why we are proud to share our financial health metrics that highlight our commitment to you. 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. Our financial strength is further evidenced by having $70,392,193 in undivided earnings, which allows us to reinvest in 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. We also take pride in our operational efficiency, reflected in our $913,180. This enables us to continue offering competitive loan rates and solid financial products for our members. Our dedicated team comprises 266 full-time employees and 29 part-time employees who are always ready to assist you with their knowledge and commitment. Finally, our net shares available for lending stand at $0, while we proudly support a growing member base with a total of 157,756 accounts. This shows that more individuals 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 600 S Iowa Ave Ottumwa Ia 52501 or call (866) 360-5370 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. We have already provided over $135,664,189 in used vehicle loans and $20,764,781 in new vehicle loans to help our members get on the road. Whether you're purchasing a brand-new model or a reliable used vehicle, our team can assist you in finding the right financing option.

Business Loans

For business owners, we offer outstanding commercial loans totaling $248,556,909. These loans are designed to provide the capital needed to grow and expand your business ventures.

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 you with the flexibility and support needed for one of life's biggest investments.

Refinancing Options

If you're considering refinancing any existing loans or want to explore eligibility options for our various products, please reach out to us. Our knowledgeable staff can guide you through the process and help you find solutions that work best for your situation. Feel free to contact us at 866-360-5370 during our operating hours (Monday to Friday from 8:00 AM to 5:00 PM) for more information about our loan offerings. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Community 1st, we are committed to supporting your journey towards financial stability and success!

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. Although we currently do not have outstanding amounts in this category, our focus remains on empowering members to manage their finances effectively.

Loan Aggregator

Ensuring Accurate 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 commitment to sourcing ensures that users receive fair and transparent offers. Each loan listing is verified for accuracy, which means you can trust that the rates presented are genuine and reflect current market conditions.

Key Benefits of Using LendMesh

LendMesh offers several advantages that build user trust: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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 kind of feedback highlights the effectiveness and reliability of using LendMesh as your loan comparison tool. 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

Compare Loan Rates Near You

Loan rates in Ottumwa, IA (52501)

Introduction

Branch History & Mission

Community Connections

Our Journey

Our Mission

Branch Location & Accessibility

Accessibility Features

Operating Hours

Services Offered

Member Eligibility

Business Banking & Commercial Services

Merchant Services

Tailored Loan Options

Comprehensive List Of Services

Accessibility and Support

Business Banking Made Easy

Credit Cards and Rewards

Digital Banking Features

Personal Banking Solutions

Digital & Online Banking

Key Features

Security and Accessibility

Financial Strength

Loan Offering

Auto Loans

Business Loans

Mortgage Loans

Refinancing Options

Unsecured Credit Card Loans

Loan Aggregator

Ensuring Accurate Comparisons

Key Benefits of Using LendMesh

Customers Also Interested In: