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Members1st Community

PO Box 777, Marshalltown, IA 50158
NCUA Insured4.0 (77 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1964

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 777

Marshalltown, IA 50158

Service Area

This credit union is located in Marshalltown and serves members in the IA area. Currently serving 17,629 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.17%

Used Auto Loan

8.06%

Personal Loan

13.51%

Credit Card APR

9.51%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in IA

Lowest rates currently reported by credit unions in IA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

4.0

77 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Sydney Rogers

Sydney Rogers

3 months ago

Do not use this bank if you want to get thousands of money from your account stolen online, and then have them take 40 days of bothering them to finally put the money back into your account. Them blaming it on their “cards not having a chip reader”. It’s supposed to take two weeks to resolve. Took 40 days with calling and bothering them!!! With over draft fees. Because you know at 45 days they legally have too. What a joke do not bank here. Don’t trust them with your money or screwing you over with added on late fees when you can’t catch up to your bills because they let all the money in your account get stolen. Not to mention this was all around the beginning of December and this went on past Christmas allll the way to the end of January. Messing with peoples money, and then charging $25 overdraft fees to rack it up when they banked with you since 2013. Not to mention money has been taken from their account before and has been resolved in the past, in a timely manner but not this time this time would be incident number 4 over the years. This person has been with them since 2013! They have no loyalty to their customers. Just a matter of time before they screw you over too. It doesn't matter how long you've been with them they do not care about you. Please think about banking elsewhere, saving your money from this place. I don't want this to happen to anyone else, everyone knows how hard it is out there, this just simply is not right.

Jacob Navara

Jacob Navara

3 months ago

For being a small credit union they sure love to charge people ridiculous fees. Would not recommend them to anyone. Get you a bank that isn’t charging 25$ fees left and right for declined transactions after you switched banks and were moving automatic payments over. Feels like this was done just to be petty because I wasn’t going to use there bank anymore. They also have their cards and bank accounts compromised all the time. Somehow they let someone open a card under my dead grandmas name who wasn’t even on my account ever and take all of the money out of my account and it took them weeks to figure that out. This bank is just problem after problem

Jessica Kail

Jessica Kail

6 months ago

I had an issue setting up a pin for ky new card and Alex and Joey tirelessly to get my card fixed and up and running! I appreciate these 2 touch for their excellent service, friendly demeanor, and helping me out!

Jasmin Cisneros

Jasmin Cisneros

a year ago

Once again, Rene Aguilera has gone above and beyond to help my family with our financing needs. He is constantly polite, informative, and quick to respond to any questions I may have. Thank you Rene for your outstanding customer service!! We will continue to reach out to him with future financial needs! A great asset to Members1st!!

Madison Weeks

Madison Weeks

a year ago

The constant failures of the automatic system they use have me baffled and exsausted. After two years of making payments only to have those payments transferred back to me and then getting charged for it, and losing an apartment due to not being able to use my credit card from this credit union despite having money to pay- I wouldn't recommend this place. I'm trying to pay my loans and couldn't last month due to lost documentation. I get charged when your system lags and charges overdraft fees despite having enough money to pay. Your app malfunctions all the time, and I don't know how you have business at this point. I just want to pay off my loan and be done using your credit union.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).