Credit union · NCUA insured
Community 1st Credit Union Credit Card Rates
Community 1st Credit Union credit card rates start at 11.49% APR. Rates checked October 16, 2026.
How Community 1st Credit Union’s credit card rates compare
Compared with banks and credit unions near Ottumwa, IA, where Community 1st Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Community 1st Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
Meridian Credit Union
10.99%APR
- Up to
- 18.99% APR
2nd-lowest rate
Empeople Credit Union
11.90%APR
- Up to
- 18.24% APR
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
C¹ Credit Savvy Secured Card
Up to $10,000 limit. Subject to credit approval; rates depend on credit qualifications and history. Variable APRs vary with the market based on the Prime Rate. No foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–21.49% | None | Variable APR for purchases, depending on credit history and varying with the market based on the Prime Rate. |
Sources (2)
All captured Oct 5, 2026
C¹ Flex Rewards Card
Up to $25,000 limit. Subject to credit approval; rates depend on credit qualifications and history. Variable APRs vary with the market based on the Prime Rate. No foreign transaction fee. No fee balance transfers. Earn rewards points (3 pts/$1 on Gas, 2 pts/$1 on Groceries, 1 pt/$1 on eligible purchases).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | 1.99% introductory APR for 12 billing cycles on purchases from date of account opening. |
| Ongoing | 14.49%–24.49% | None | Variable APR after introductory period, depending on credit history and varying with the market based on the Prime Rate. |
Sources (2)
All captured Oct 5, 2026
C¹ Signature Rewards Card
Up to $25,000 limit. Subject to credit approval; rates depend on credit qualifications and history. Variable APRs vary with the market based on the Prime Rate. No foreign transaction fee. No fee balance transfers. Earn 1.5% cash back on all purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | 1.99% introductory APR for 12 billing cycles on purchases from date of account opening. |
| Ongoing | 12.49%–20.49% | None | Variable APR after introductory period, depending on credit history and varying with the market based on the Prime Rate. |
Sources (3)
All captured Oct 5, 2026
C¹ Smart Rate Card
Up to $25,000 limit. Subject to credit approval; rates depend on credit qualifications and history. Variable APRs vary with the market based on the Prime Rate. No foreign transaction fee. No fee balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | 1.99% introductory APR for 12 billing cycles on purchases from date of account opening. |
| Ongoing | 11.49%–20.49% | None | Variable APR after introductory period, depending on credit history and varying with the market based on the Prime Rate. |
Sources (2)
All captured Oct 5, 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.