Credit union · NCUA insured
Members1st Community Credit Union
Top CarrotA $307.5M credit union headquartered in Marshalltown, IA, with 17,626 members and 7 branches in Iowa. Best rates: CDs 4.00% and savings 1.16% APY.
Members1st Community Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#2 of 20 in Ames, IA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Members1st Community Credit Union
Members1st Community Credit Union is a member-owned credit union with locations serving Iowa communities including Ames, Boone, Eldora, Iowa Falls, Marshalltown, and Traer.
- Headquarters
- 104 W Anson St, Marshalltown, IA 50158
- NCUA charter
- 62918
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Business entities with a place of business in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, or Webster counties in Iowa are eligible to join.
- Individuals who live, attend school, worship, or work for any entity in Boone, Dallas, Franklin, Greene, Grundy, Hamilton, Hardin, Jasper, Marshall, Polk, Poweshiek, Story, Tama, and Webster counties in Iowa are eligible to join.
Family and household
- Family members of existing members are eligible to join.
Cost to join
- Joining requires completing and submitting a membership application along with a $5 deposit into a basic share savings account.
Branches
7 branches in Iowa
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Iowa
7 branches
Marshalltown area · 2
- Marshalltown Main OfficeMain office104 W Anson St, Marshalltown, IA 50158Directions
- JBS Branch402 N 10th Ave, Marshalltown, IA 50158Directions
Ames area · 2
- Ames Branch423 Main St, Ames, IA 50010Directions
- Boone Branch1021 S Marshall St, Boone, IA 50036Directions
Eldora area · 1
- Eldora Branch1402 Washington St, Eldora, IA 50627Directions
Iowa Falls area · 1
- Iowa Falls Branch1815 Washington Ave, Iowa Falls, IA 50126Directions
Traer area · 1
- Traer Branch503 2nd St, Traer, IA 50675Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.54% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.43% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $77 | $76 | — |
- CapitalNet worth ratio9.54%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$77Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Members1st Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.