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Community 1st

1100 Hutchinson Ave, Ottumwa, IA 52501
NCUA Insured4.6 (40 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

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

Location & Directions

Address

1100 Hutchinson Ave

Ottumwa, IA 52501

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(866) 360-5370

Service Area

This credit union is located in Ottumwa and serves members in the IA area. Currently serving 72,306 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

5.49%

Used Auto Loan

5.49%

Personal Loan

19.00%

Credit Card APR

11.99%

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).

Telco Triad Community— New Auto Loan

Sioux City, IA

1.99%
Waterloo Firemen'S— Used Auto Loan

Waterloo, IA

2.75%
Financial Plus— Personal Loan

West Des Moines, IA

7.91%
Affinity— Credit Card APR

Des Moines, IA

8.19%

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

Branches & Locations(24 total)

Member Reviews

4.6

40 Google reviews

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

View on Google Maps
Tasha Norton

Tasha Norton

8 months ago

Would not recommend to anyone. Not open when it says they are open. The cards suck they eather don't work or you cannot activate them. Then you try to go to bank and they are closed it's very helpful. I hope I can make it home on a quater tank of gas because I have no way of pulling money out. I can't activate my new card and the banks closed so looks like I'm fucked.

Shawn

Shawn

6 months ago

I recently opened a new checking and savings account at c1st. Cindy made the process very simple and easy. There are many c1 st locations in the area. And the service I received..... was top notch!

Deek Dodge

Deek Dodge

a year ago

I applied for a loan and community first was great customer service was outstanding they approved my loan in 2 days with low payments and interest And a special thanks to Cindy who helped me every step of the way and answered any questions I had.

christopher west

christopher west

a year ago

I've had community first ever since I've moved to iowa. The ATMS are constantly broken. Nothing is worse than going across town to use a brand new atm and it's broken. They seem to be down every third time I need them. Seriously.

Peggy Curtis

Peggy Curtis

8 years ago

Uncomplicated and convenient. I needed financing for a car purchase. Made a phone call to tell them what I wanted, filled out the application online, a couple more phone calls to answer my questions and mission accomplished. Extremely helpful through whole process.

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).