Community 1st Washington IA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Community 1st, your trusted financial partner located at 303 S 2Nd Ave, Washington, IA 52353. Since our establishment in 1936, we have proudly served over 69,212 members, providing a wide array of financial services tailored to meet your needs. With total assets reaching an impressive $1,014,113,656 and total deposits amounting to $75,173,643, we are committed to fostering financial growth and stability within our community. At Community 1st, we understand that every member is unique. Whether you're looking for personal banking solutions like checking accounts or auto loans, or business banking services such as merchant services and business loans, we've got you covered. Our dedicated team of 295 employees is here to help you navigate your financial journey with confidence. Under the leadership of our CEO, Gregory Hanshaw, and Board President, Tim Elliott, we strive to maintain a strong commitment to our members' needs. We take pride in our substantial net worth of $105,687,386 and ensure that your funds are safe with us. Our focus on community impact means that we're not just a credit union; we're your neighbors working together for a brighter financial future. While members can visit us at our branch for all their banking needs during our operating hours (Monday through Friday from 8:30 AM to 5:00 PM), official correspondence should be sent to the same address: 303 S 2nd Ave, Washington, IA 52353. Ready to take the next step? Feel free to call us at (319) 653-6326 or explore more about our offerings by visiting our website at c1stcu.com. Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Modern Banking Experience

In addition to traditional banking services, we embrace technology to enhance your experience. Members can access online and mobile banking features for convenience at their fingertips. Whether you prefer visiting us during our lobby hours Monday through Friday from 8:30 AM to 5:00 PM or Saturday from 8:30 AM to 12:00 PM or utilizing our drive-thru service available until 5:30 PM on weekdays and noon on Saturdays, we aim to provide accessible banking options for everyone. While you can visit us at our branch address for all your banking needs, please direct official correspondence to the same mailing address: 303 S 2nd Ave, Washington, IA 52353. As we continue to grow with the community we love so much, we invite you to join us at Community 1st. Experience the difference of being part of a credit union that values you as more than just a member but as part of our family. Reach out today at (319) 653-6326 or explore more about us online at c1stcreditunion.com. Together, let's build a brighter future!

Our Mission

At Community 1st, our mission is simple yet powerful: to empower individuals and families through accessible financial solutions while fostering community growth and wellbeing. We believe in putting our members first by offering personalized services such as checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our commitment extends beyond financial transactions. We actively engage in community outreach programs aimed at supporting local initiatives and partnerships that uplift residents of Washington and surrounding areas. We strive to make a positive impact through financial literacy workshops and charitable contributions that address the unique needs of our neighbors.

Branch Location & Accessibility

Convenient Access and Parking

Getting to our branch is a breeze! We have ample parking available, ensuring that you can quickly stop by without any hassle. For those who may need assistance, we are proud to be ADA compliant, offering features like ramps and accessible entrances to cater to all our members.

Get in Touch

We invite you to come visit us at Community 1st! If you have questions or want more information about our services before stopping by, feel free to give us a call at 319-653-6326. We're excited to assist you on your financial journey see you soon!

Operating Hours That Fit Your Schedule

We know your time is valuable. That's why we offer flexible operating hours from Monday through Friday, 8:30 AM to 5:00 PM, with extended drive-thru service until 5:30 PM. Need to swing by on Saturday? Our lobby is open from 8:30 AM to 12:00 PM, with drive-thru services available during those hours as well. Whether you're making deposits or seeking advice on loans and accounts, we're here when you need us.

Services Designed for You

At Community 1st, we offer a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. For business owners, we provide merchant services and business loans that can help you thrive. Plus, enjoy the convenience of online and mobile banking anytime you need it.

Member Eligibility

At Community 1st, we believe that becoming a member means joining a supportive community where your financial well-being is our priority. If you live, work, or attend school in the area, you're likely eligible to join us! We welcome individuals from various backgrounds and situations, so whether you're just starting out or looking for ways to better manage your finances, we're here for you. To get started on your journey with us, simply check out the detailed eligibility criteria at . Our friendly team is ready to guide you through the easy process of opening an account. You can reach us at (319) 653-6326 or visit us at our branch located at 303 S 2Nd Ave Washington Ia 52353. Join us today and discover the advantages of being part of the Community 1st family!

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 Made Easy

Managing payments shouldn't be a hassle. Our merchant services simplify transactions so you can focus on what really matters: running your business. Imagine having a seamless way to accept payments from customers, whether they pay by card or mobile app. This not only enhances customer satisfaction but also helps streamline your operations. Located at 303 S 2Nd Ave Washington Ia 52353 in Washington, IA, our team is ready to help you navigate the world of business banking. Reach out at (319) 653-6326 or visit us today to discover how we can partner with you for success!

Comprehensive List Of Services

Business Banking Services

For small business owners, we know how crucial it is to have the right support. Our business banking services, including merchant services and business loans, are designed to help you thrive. We aim to be more than just a financial institution; we strive to be a partner in your success.

Contact Us

Ready to learn more about how we can assist you? Visit us at 303 S 2Nd Ave, Washington, IA 52353, or give us a call at 319-653-6326 during our operating hours: Monday through Friday from 8:30 am to 5:00 pm, with Saturday hours from 8:30 am to 12:00 pm. We look forward to helping you achieve all of your financial goals! Explore all of these offerings and more at Community 1st.

Convenient Access Points

We recognize that banking should be as convenient as possible. At Community 1st, we provide ATM and cash withdrawal services so you can access your money when you need it. Our drive-thru service allows for simple transactions such as deposits and withdrawals without leaving your car, making it easier for those busy days when time is tight.

Digital Banking Features

In today's fast-paced world, having the ability to bank online is essential. With features like mobile payments, e-statements, and person-to-person transfers available at your fingertips, managing your finances has never been simpler. Our commitment to digital banking means that whether you're at home or on the go, accessing your accounts is hassle-free.

Personal Banking Solutions

For those managing day-to-day finances, our checking and savings accounts offer flexible options that fit your lifestyle. Imagine having easy access to your funds through our convenient online and mobile banking services. You can check balances, transfer money, and even make payments right from your phone or computer. When it comes time to purchase a vehicle or refinance an existing loan, our auto loans and vehicle financing options are tailored just for you. With competitive rates, getting behind the wheel of your dream car is easier than ever. We also provide mortgage loans and refinancing, ensuring you have a trustworthy partner whether you're buying your first home or looking to secure a better rate on your current mortgage. If you're facing unexpected expenses, our personal loans and debt consolidation services can help ease the burden. Plus, don't forget about our credit cards with rewards that not only help manage purchases but also offer perks that can benefit you in everyday life.

Digital & Online Banking

Key Services

Our online banking platform is available 24/7, allowing you to access your accounts anytime through our website. You can check balances, transfer funds, and pay bills without needing to visit a branch. Plus, with our mobile application, managing your money has never been more straightforward. It's like having a bank branch right in your pocket! We also make it easy for you to send money directly to friends and family with our person-to-person transfer feature. If you've ever needed to split a bill or send cash quickly, this service is perfect for you! And if you're always on the move, our mobile payments option lets you pay using your smartphone at participating merchants.

Security and Convenience

Your security is our top priority. With electronic signature authorization available for documents and transactions, you can complete your banking needs with confidence. We also offer e-statements so you can view your account statements securely online without the clutter of paper. Whether you're tech-savvy or just getting started with online banking, our user-friendly interface ensures that everyone can navigate their accounts easily. Real-time account management means you'll always be in control of your finances. With all these features at your fingertips, managing your money is not only easy but also safe. Experience the convenience of digital banking today at Community 1st!

Financial Strength

Growing Membership Base

Our commitment to service is evident as we manage a total of 157,756 share and deposit accounts. This shows a strong and growing member base that trusts us with their finances. 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 303 S 2Nd Ave Washington Ia 52353 or call (319) 653-6326 to learn more about how we can help you achieve your financial goals.

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.

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.

Reinvesting 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. Additionally, 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.

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.

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 refinancing options to ensure you get the best deal possible.

Business Financing

For business owners, our outstanding commercial loans totaling $248,556,909 provide the capital needed to grow and expand your business operations. We understand the unique challenges faced by businesses today and are here to support your success. Our loan offerings are designed with you in mind. Whether it's purchasing a car or securing a mortgage for your dream home, we're committed to providing competitive rates and personalized service. Feel free to reach out for more information at our branch located at 303 S 2Nd Ave, Washington, IA 52353 or give us a call at 319-653-6326. Our dedicated team is here to assist you 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. Come see how Community 1st can help you achieve your financial dreams!

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 guide you through each step of the process so you can focus on settling into your new home.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $0 in unsecured credit card loans available currently, we aim to help our members manage their finances effectively without added stress.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 guarantees that users receive fair and transparent offers without hidden fees or misleading terms.

COMMUNITY 1ST CREDIT UNION