Credit union · NCUA insured
Community 1st Credit Union Savings Rates
Community 1st Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Community 1st Credit Union’s savings 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
0.70%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $70
Money Market Account
Top rate
Empeople Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $325
2nd-highest rate
Iowa State Bank
2.02%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $202
Community 1st Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.15%
- QualifiedQualified0.70%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.70%APY
Dividends are calculated by the daily balance method and compounded monthly. Minimum daily balance to earn must be maintained each day to obtain disclosed APY (fee if balance drops below minimum). Rates may vary after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum daily balance to earn must be maintained each day to obtain disclosed APY. | 0.70% | $70 | Minimum daily balance to earn must be maintained each day to obtain disclosed APY. |
| $25,001 and upMinimum daily balance to earn must be maintained each day to obtain disclosed APY. | 0.85% | — | Minimum daily balance to earn must be maintained each day to obtain disclosed APY. |
| $50,001 and upMinimum daily balance to earn must be maintained each day to obtain disclosed APY. | 1.15% | — | Minimum daily balance to earn must be maintained each day to obtain disclosed APY. |
| $100,001 and upMinimum daily balance to earn must be maintained each day to obtain disclosed APY. | 1.40% | — | Minimum daily balance to earn must be maintained each day to obtain disclosed APY. |
| $250,001 and upMinimum daily balance to earn must be maintained each day to obtain disclosed APY. | 1.75% | — | Minimum daily balance to earn must be maintained each day to obtain disclosed APY. |
Sources (3)
All captured Sep 18, 2026
C1st Saver
Up to 0.50%APY
Must be linked to either a C1st Cash or C1st Cash Back checking account. To qualify per monthly qualification cycle, you must: 1) make 15 debit card (non-ATM) transactions; and 2) be enrolled in and receive eStatements. Monthly qualification cycle is defined as the calendar month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceQualifications not met in either checking account; all balances in the C1st Saver earn 0.03% APY. | 0.03% | $3 | Qualifications not met in either checking account; all balances in the C1st Saver earn 0.03% APY. |
| Up to $15,000Qualifications met (15 debit card non-ATM transactions and eStatements enrolled/received). Balances up to $15,000 receive an APY of 0.50%. | 0.50% | $50 | Qualifications met (15 debit card non-ATM transactions and eStatements enrolled/received). Balances up to $15,000 receive an APY of 0.50%. |
| $15,001 and upQualifications met. Balances over $15,000 earn 0.25% APY on the portion of the balance over $15,000, resulting in 0.50% APY to 0.28% APY depending on the balance. | 0.25% | — | Qualifications met. Balances over $15,000 earn 0.25% APY on the portion of the balance over $15,000, resulting in 0.50% APY to 0.28% APY depending on the balance. |
Sources (2)
All captured Sep 18, 2026
Primary Savings
0.15%APY
Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited quarterly. Service fee applies if balance falls below required minimum daily balance.$5 and up | 0.15% | $15 | Dividends compounded and credited quarterly. Service fee applies if balance falls below required minimum daily balance. |
Sources (2)
All captured Sep 18, 2026
Secondary Savings
0.15%APY
Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly. Service fee applies if balance falls below required minimum daily balance.Any balance | 0.15% | $15 | Dividends compounded and credited quarterly. Service fee applies if balance falls below required minimum daily balance. |
Sources (1)
- c1stcreditunion.com/personal/rates · captured Sep 18, 2026
Special-purpose accounts
ClubGo Savings
1.00%APY
Tailored for members age 55 and over. Dividends will be compounded and credited quarterly (rather than monthly). If during any time your account falls below the required minimum daily balance, your account will be subject to a service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTailored for members age 55 and over. Dividends compounded and credited quarterly.$1,000 and up | 1.00% | $100 | Tailored for members age 55 and over. Dividends compounded and credited quarterly. |
Sources (3)
All captured Sep 18, 2026
IRA Shares
0.90%APY
Dividends will be compounded and credited quarterly. Dividends are calculated by the daily balance method (fee if drops below min.). Withdrawals may be subject to early withdrawal penalties, and to tax and penalty, according to IRS Regulations.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends will be compounded and credited quarterly. Dividends calculated by daily balance method. Withdrawals may be subject to early withdrawal penalties and IRS tax/penalty.$100 and up | 0.90% | $90 | Dividends will be compounded and credited quarterly. Dividends calculated by daily balance method. Withdrawals may be subject to early withdrawal penalties and IRS tax/penalty. |
Sources (2)
All captured Sep 18, 2026
Christmas Club
0.20%APY
Save throughout the year for the holiday season; on October 1st each year, yearly savings along with dividends are returned. Dividends will be compounded and credited quarterly (rather than monthly).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly.Any balance | 0.20% | $20 | Dividends compounded and credited quarterly. |
Sources (2)
All 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.