The Community 1st Credit Union All Credit Levels is a cdfi lender from Community 1st Credit Union. The ongoing APR is 4.59% - 9.99%. Rewards: $2.6M in Rewards Checking incentives paid in 2025. This product reports activity to your personal credit report. Community 1st Credit Union is a member-focused financial institution located in Ottumwa, IA, dedicated to helping its members achieve financial success through a variety of savings and loan products. They serve individuals and families in Iowa, with a strong emphasis on agricultural lending and community development. Services include: auto loans, personal loans, mortgages. US Treasury certified CDFI Credit Union in Ottumwa, IA. Membership required.