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WHAT'S YOUR HOME'S NEXT FLEX?

Our FLEX HELOC gives you an opportunity to lock in a fixed rate and finance virtually anything, from home projects to debt consolidation and more.  

*LEARN MORE

60 Month Certificate Account
3.45%
Annual Percentage Yield
Money Market Account
1.75%
Annual Percentage Yield
ClubGo 
1.00%
Annual Percentage Yield
Learn More
Auto Loans

As Low As 6.09% APR*

Annual Percentage Rate
Flex Home Equity LOC: 6-Month Intro Rate

1.00%

Annual Percentage Rate
Personal Loan

As Low As 10.49% APR*

Annual Percentage Rate
Learn More
15 Year Fixed
6.500% Rate
6.680% APR *
10/1 ARM
7.000% Rate
7.400% APR *
30 Year Fixed
6.750% Rate
6.861% APR *
Learn More

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ChargeUP Credit Builder Program

Together, let’s establish (or rebuild) your credit!

With our ChargeUp Credit Builder program, we make it possible for you to establish your credit or build your credit so you can achieve your dreams – whether that means owning a home, purchasing a vehicle, or something else.

LEARN MORE

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Buying your first home?

Right now, first-time homebuyers could qualify for up to $5,000 toward their down payment!* PLUS, we offer quick processing, mortgage assistance, and a local, helpful team.  Start the search for your first home, or apply online today.

*GET DETAILS

$2.1M in Rewards Checking incentives paid in 2023
85 plusyears of dedicated service to our members
Proud to be the #1 Ag Lender in Iowa

Stay Informed

News
What's Your Home's Next Flex?
Tuesday, April 16, 2024
Our FLEX HELOC gives you an opportunity to lock in a fixed rate and finance virtually anything, from home projects to debt consolidation and more. Learn more!
News
Annual Error Resolution Notice
Wednesday, March 27, 2024
In case of errors or questions about your electronic transfers: Please call us at 866.360.5370, write us at 1100 Hutchinson Ave. Ottumwa, IA 52501 or email us at memberservice@c1stcu.com if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt.
Blog
The Latest in Fraud: Don't fall for a SCAM!
Wednesday, March 27, 2024
At C1st, our objective is to empower our members in combatting fraudulent activities by providing comprehensive education and furnishing them with important information. Please remember that we will NEVER contact you via phone, email, or text to request personal information such as account numbers, passwords, debit or credit card numbers, expiration dates, or (PIN) personal identification numbers. Here are some of the most recent scams we've come across:
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