--- title: "Community 1st Credit Union Rates - Iowa" description: "Current mortgage, heloc, and personal loan rates from Community 1st Credit Union in Iowa. Updated daily with source verification. See who can join Community 1st Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/iowa/community-1st" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Community 1st Credit Union Rates - Iowa ### Mortgage rates 6 offers | Product | Published | Rate | Term / condition | Status | | **5/5 ARM Agriculture** 5 5 arm | — APR | 5.990% | — | Standard | | **5/5 ARM Commercial** 5 5 arm | — APR | 6.500% | — | Standard | | **1 Year Balloon** other | — APR | 7.000% | — | Standard | | **3 Year Balloon** other | — APR | 7.250% | — | Standard | | **5 Year Balloon** other | — APR | 7.500% | — | Standard | | **7 Year Balloon** other | — APR | 7.750% | — | Standard | Community 1st Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC Flex (Fixed-Rate)** heloc_fixed | — APR | 6.990% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Community 1st Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Consumer** personal | — APR | 9.990% | — | Standard | | **Payday Alternative Loan** personal | — APR | 19.000% | — | Standard | Community 1st Credit Union personal loan rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **As Low As 9.99% APR*** other | 6.375% % | 6.375% | — | Standard | Community 1st Credit Union other rates as of November 12, 2026 Community 1st Credit Union is a credit union in Iowa. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/iowa/community-1st) , verified from [Community 1st Credit Union's official website](https://www.c1stcreditunion.com/) Loading branch locator… ## About Community 1st Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 72.4K Assets $1.1B Founded 1936 Locations reported 24 NCUA charter 68510 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 education - First-time homebuyer program - Bilingual services - Student scholarships 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. [**Meridian** River Community Credit Union · Ottumwa · IA · 52501-2358 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/meridian) [**River Community** River Community C. U. · Ottumwa · IA · 52501-2358 About 1.5 miles away](https://rateapi.dev/credit-unions/iowa/river-community) [**Empeople** Ottumwa Works · Ottumwa · IA · 52501-4352 About 2.8 miles away](https://rateapi.dev/credit-unions/illinois/empeople) [**Industrial Employees** Industrial Employees CU · Centerville · IA · 52544 About 32.1 miles away](https://rateapi.dev/credit-unions/iowa/industrial-employees) [**5 Star Community** 5 Star Community Credit Union · Mount Pleasant · IA · 52641 About 46.6 miles away](https://rateapi.dev/credit-unions/iowa/5-star-community) [**Greenstate** Grinnell · Grinnell · IA · 50112 About 50.9 miles away](https://rateapi.dev/credit-unions/iowa/greenstate) 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 Community 1st Credit Union Membership eligibility from Community 1st Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Community 1st Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Community 1st Credit Union's membership page](https://www.c1stcreditunion.com/) . Final membership determination is always made by the credit union. ## Work at Community 1st 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 Community 1st Credit Union ranks against Iowa peers. - See which AI assistants fetched Community 1st 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=community-1st&state=iowa&code=IA&name=Community%201st%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Community 1st Credit Union offer? Community 1st Credit Union currently offers mortgage, HELOC, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Community 1st Credit Union rates updated? RateAPI verifies Community 1st 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 Community 1st Credit Union's rate data? Rate data is collected directly from Community 1st Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Community 1st Credit Union? Community 1st Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Community 1st Credit Union's rates against national credit-union benchmarks. [More Iowa credit unions](https://rateapi.dev/credit-unions/iowa) [Iowa mortgage rate leaders](https://rateapi.dev/mortgage-rates/iowa) [Iowa HELOC rate leaders](https://rateapi.dev/heloc-rates/iowa) [Iowa personal loan leaders](https://rateapi.dev/personal-loan-rates/iowa) [Mortgage rate benchmark](https://rateapi.dev/mortgage-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.c1stcreditunion.com/) ### 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 Community 1st 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 Community 1st Credit Union curl "https://api.rateapi.dev/credit-unions/iowa /community-1st " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Community 1st Credit Union locations Search, filter, and browse all 24 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/community-1st Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp