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Business Details
50+ Years
experience
Your Community-Centric Financial Partner
Community 1st Credit Union is a not-for-profit financial institution founded on the principle of people helping people, rooted in our communities. For over 85 years, we have empowered our employees to help members achieve financial success through customized solutions. As a member-owned cooperative, we return value to our members through higher savings rates, better services, and lower borrowing rates. Our dedicated team prioritizes understanding individual financial needs to deliver personalized guidance. We serve 57 counties across Southern and Central Iowa and 14 counties in Missouri, with a commitment to community growth and member satisfaction. Our digital banking solutions provide 24/7 secure access to accounts, while our local presence ensures personalized service.

We offer a comprehensive range of products including personal and business loans, savings and checking accounts, mortgage programs, and credit cards tailored to diverse lifestyles. Recognized as the #1 Ag Lender in Iowa and a 10-time Des Moines Register Top Workplace, we maintain strict adherence to ethical standards and transparency. Our board of directors volunteers their time to uphold our mission, ensuring that every decision aligns with member interests. Through financial education initiatives and community partnerships, we strive to foster long-term economic well-being for all our members.
Services
Personal Loans Mortgage Loans Credit Cards Savings Accounts Checking Accounts Home Equity Loans Student Loan Refinancing Digital Banking Business Loans Agricultural Lending
Details
  • Year established: 1940
Highlights and features
  • We return value to members through higher savings rates and lower borrowing costs as a not-for-profit.
  • Our 85-year history demonstrates commitment to community financial well-being.
  • We offer 24/7 secure digital banking with personalized local branch support.
  • Tailored financial solutions developed through in-depth client consultation.
  • Recognized as Iowa's #1 Agricultural Lender with specialized expertise.
Services
Personal Loans
Unsecured personal loans available for various needs with flexible terms and competitive rates. No collateral required, offering quick access to funds for Iowa and Missouri residents. Our streamlined application process ensures timely decision-making.
Mortgage Loans
Comprehensive mortgage solutions including fixed and adjustable-rate options for home purchases or refinancing. Our programs cater to first-time buyers, experienced homeowners, and investment property investors across Iowa and Missouri markets.
Credit Cards
Multiple card options with low introductory rates, cashback rewards, and points-based systems. Benefits include digital wallet compatibility, roadside assistance, and mobile payment security features for enhanced member convenience and protection.
Savings Accounts
Competitively rated savings products with various access options including traditional accounts, money market accounts, and specialty programs for different age groups. Features include automatic transfers and dividend compounding for enhanced growth.
Agricultural Lending
Specialized financing for agricultural operations including equipment purchases, land acquisitions, and working capital. Our experienced Iowa-based lenders provide tailored solutions for crop producers, livestock operations, and agribusinesses.
Questions
What loan options are available for first-time homebuyers?
We offer competitive mortgage programs including fixed-rate options and down payment assistance resources tailored to first-time purchasers in Iowa and Missouri.
How do I access digital banking services?
Enroll through our website to gain 24/7 access to account management, bill payment, mobile check deposit, and electronic statements via our secure digital platform.
What credit cards provide the most rewards?
Our Flex Rewards card offers 3 points per dollar on gas and 2 points on groceries, while Signature Rewards provides 1.5% cash back on all purchases.
How does membership work?
A $5 deposit to a Share Savings Account establishes membership, granting access to all services and making you a partial owner of the credit union.