--- title: "Collins Community Credit Union: #1 HELOC in Iowa" description: "Collins Community Credit Union has the lowest tracked HELOC rate in Iowa (6.90% APR) among 14 credit unions we verify. Collins Community Credit Union rates today: HELOC from 6.90% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Collins Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/collins-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Collins Community Credit Union: #1 HELOC in Iowa ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 4.140% | — | Standard | Collins Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Closed-End Home Equity Loan (80% of AVM or Appraised Value)** heloc_fixed | 6.900% APR | 7.150% | — | Standard | Collins Community Credit Union heloc rates as of November 12, 2026 ### Savings & CD rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Personal Checking Account Rates ($30,000.01-account balance)** checking | 0.01% APY | 0.01% | — | Specialty offer | | **Personal Checking Account Rates ($25,000.01-$30,000)** checking | 0.05% APY | 0.05% | — | Specialty offer | | **Business Checking Account** checking | — APY | 0.10% | — | Eligibility restricted | | **Personal Checking Account Rates ($25,000 or less)** checking | 4.85% APY | 4.75% | — | Specialty offer | | **Advantage Checking Account** checking | — APY | 4.85% | — | Specialty offer | Collins Community Credit Union savings & cd rates as of November 12, 2026 HELOC rates from 6.9% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/collins-community) , verified from [Collins Community Credit Union's official website](https://www.collinscu.org/) Best product position **#1 of 14** HELOC Gap to state best **0 bp** State market leader Vs. state median **24 bp behind median** HELOC Products ranked **1** across tracked Iowa markets | Product | Published APR | Position | Vs. state best | Vs. state median | | HELOC | 6.90% | #1 of 14 · lowest in Iowa | State market leader | 24 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Collins Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=collins-community&state=iowa&code=IA&name=Collins%20Community%20Credit%20Union) Loading branch locator… ## About Collins Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 81.1K Assets $1.5B Founded 1940 Locations reported 9 NCUA charter 62969 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Quaker Oats** QUAKER OATS CREDIT UNION · CEDAR RAPIDS · IA · 52402 About 0.6 miles away](https://rateapi.dev/credit-unions/iowa/quaker-oats) [**Greenstate** Cedar Rapids - Blairs Ferry · Cedar Rapids · IA · 52402 About 0.8 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) [**Veridian** Blairs Ferry · Cedar Rapids · IA · 52402 About 1.0 miles away](https://rateapi.dev/credit-unions/iowa/veridian) [**Corda** Corda Credit Union · Cedar Rapids · IA · 52402 About 1.3 miles away](https://rateapi.dev/credit-unions/iowa/corda) [**Dupaco Community** Cedar Rapids 1st Avenue · Cedar Rapids · IA · 52403-1321 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/dupaco-community) [**Community 1st** Cedar Rapids · Cedar Rapids · IA · 52402-6578 About 1.7 miles away](https://rateapi.dev/credit-unions/iowa/community-1st) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Collins Community Credit Union Membership eligibility from Collins Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Collins Community Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Collins Community Credit Union's membership page](https://www.collinscu.org/) . Final membership determination is always made by the credit union. ## Work at Collins Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Collins Community Credit Union ranks against Iowa peers. - See which AI assistants fetched Collins Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Iowa - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=collins-community&state=iowa&code=IA&name=Collins%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Collins Community Credit Union offer? Collins Community Credit Union currently offers Auto loan, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Collins Community Credit Union rates updated? RateAPI verifies Collins Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Collins Community Credit Union's rate data? Rate data is collected directly from Collins Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Collins Community Credit Union's HELOC rate? As of November 12, 2026, Collins Community Credit Union offers home equity lines of credit from 6.9% APR. ### Who can join Collins Community Credit Union? Collins Community Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Collins Community Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa auto loan rate leaders](https://rateapi.dev/auto-loan-rates/iowa) [Iowa HELOC rate leaders](https://rateapi.dev/heloc-rates/iowa) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.collinscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Collins Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Iowa credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Collins Community Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /collins-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Collins Community Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/iowa/collins-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp