Credit union · NCUA insured
Community 1st Credit Union
A $1.1B credit union headquartered in Ottumwa, IA, with 72,400 members and 23 branches in Iowa. Best rates: CDs 4.15% and savings 0.70% APY.
Community 1st Credit Union Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#3 of 7 in Ottumwa, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community 1st Credit Union
Community 1st Credit Union is a not-for-profit financial institution rooted in its communities with a mission of people helping people to help members achieve financial success.
- Headquarters
- 1100 Hutchinson Ave, Ottumwa, IA 52501
- NCUA charter
- 68510
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons living or working in 57 counties in Southern and Central Iowa and 14 counties in Missouri.
Cost to join
- A $5 deposit in a share savings account is required to establish membership.
Branches
23 branches in Iowa
Loading map…
Iowa
23 branches
Ottumwa area · 4
- Jbs600 S Iowa Ave, Ottumwa, IA 52501Directions
- Pennsylvania739 Pennsylvania Ave, Ottumwa, IA 52501Directions
- Richmond235 Richmond Ave, Ottumwa, IA 52501Directions
- Venture Drive1940 Venture Dr, Ottumwa, IA 52501Directions
Pella area · 2
- Knoxville1008 W Bell Ave Ste 103, Knoxville, IA 50138Directions
- Pella500 Main St, Pella, IA 50219Directions
Albia area · 1
- Albia1420 S Clinton St, Albia, IA 52531Directions
Atlantic area · 1
- Atlantic200 Maple St, Atlantic, IA 50022Directions
Omaha area · 1
- Avoca102 N Elm St, Avoca, IA 51521Directions
Bloomfield area · 1
- Bloomfield301 E Franklin St, Bloomfield, IA 52537Directions
Cedar Rapids area · 1
- Cedar Rapids1030 Sierra Dr NE, Cedar Rapids, IA 52402Directions
Centerville area · 1
- Centerville999 N 18th St, Centerville, IA 52544Directions
Chariton area · 1
- Chariton1934 Court Ave, Chariton, IA 50049Directions
Creston area · 1
- Creston205 E Taylor St, Creston, IA 50801Directions
Fairfield area · 1
- Fairfield2501 W Burlington Ave, Fairfield, IA 52556Directions
Grinnell area · 1
- Grinnell205 West St, Grinnell, IA 50112Directions
Harlan area · 1
- Harlan1414 Chatburn Ave, Harlan, IA 51537Directions
Des Moines area · 1
- Indianola300 S Jefferson Way, Indianola, IA 50125Directions
Mount Pleasant area · 1
- Mt Pleasant1800 E Washington St, Mount Pleasant, IA 52641Directions
Osceola area · 1
- Osceola714 W McLane St, Osceola, IA 50213Directions
Oskaloosa area · 1
- Oskaloosa1311 A Ave W, Oskaloosa, IA 52577Directions
Shenandoah area · 1
- Shenandoah700 S Fremont St, Shenandoah, IA 51601Directions
Iowa City area · 1
- Washington303 S 2nd Ave, Washington, IA 52353Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.50% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 3.14% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.31% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $93 | $88 | — |
- CapitalNet worth ratio10.50%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late3.14%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.31%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$93Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Community 1st Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.