Credit union · NCUA insured
Community 1st Credit Union CD Rates
Community 1st Credit Union’s best CD rate is 4.15% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Community 1st Credit Union’s CD rates compare
Compared with banks and credit unions near Ottumwa, IA, where Community 1st Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Community 1st Credit Union
4.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $450
13-Month Certificate Account Special
Top rate
Empeople Credit Union
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
2nd-highest rate
South Ottumwa Savings Bank
4.31%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $468
Community 1st Credit Union CD score
82
CD score
Higher than 59% of U.S. banks and credit unions
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.30%
- QualifiedQualified4.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Community 1st Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
13-Month Certificate Account Special
4.15%APY · 1 term
Limited-time offer. A penalty may be imposed for early withdrawal. Subject to change and may end at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsLimited-time special celebrating 90 years of C1st. Early withdrawal penalty may apply | 4.15% | $450 |
Sources (3)
All captured Sep 18, 2026
Certificate Accounts
Up to 3.30%APY · 8 terms
Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for early withdrawal.
| Term | APY · $500 and up | APY · $7,501 and up | APY · $15,001 and up | APY · $50,001 and up | APY · $250,001 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | 0.70% | 0.85% | — | — | 0.95% | 0.70%0.85% from $7.5k0.95% from $250k | $17 |
| 6 months | 1.80% | 2.00% | — | 2.10% | 2.20% | 1.80%2.00% from $7.5k2.10% from $50k2.20% from $250k | $90 |
| 12 months | 2.75% | 2.80% | 2.85% | 3.00% | 3.10% | 2.75%2.80% from $7.5k2.85% from $15k3.00% from $50k3.10% from $250k | $275 |
| 18 months | 2.85% | 2.90% | 2.95% | 3.10% | 3.20% | 2.85%2.90% from $7.5k2.95% from $15k3.10% from $50k3.20% from $250k | $431 |
| 24 months | 2.95% | 3.00% | 3.05% | 3.20% | 3.30% | 2.95%3.00% from $7.5k3.05% from $15k3.20% from $50k3.30% from $250k | $599 |
| 36 months | 3.05% | 3.10% | 3.15% | 3.30% | 3.40% | 3.05%3.10% from $7.5k3.15% from $15k3.30% from $50k3.40% from $250k | $943 |
| 48 months | 3.15% | 3.20% | 3.30% | 3.35% | 3.45% | 3.15%3.20% from $7.5k3.30% from $15k3.35% from $50k3.45% from $250k | $1,321 |
| 60 months | 3.20% | 3.30% | 3.40% | 3.45% | 3.55% | 3.20%3.30% from $7.5k3.40% from $15k3.45% from $50k3.55% from $250k | $1,706 |
Sources (1)
- c1stcreditunion.com/personal/rates · captured Sep 18, 2026
12 Month Dollar Dog Certificate Account
2.75%APY · 1 term
Dividends compounded and credited quarterly. Calculated by daily balance method. Penalties may be imposed for withdrawal of funds before maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
Sources (1)
- c1stcreditunion.com/personal/rates · captured Sep 18, 2026
Who can join Community 1st Credit Union
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.
Membership information collected October 4, 2026.