# Community 1st Credit Union (Iowa) CD and share certificate rates

As of October 22, 2026, Community 1st Credit Union (Iowa)'s highest tracked CD (share certificate) rate is 4.15% APY on a 13-month promotional CD ($1,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.70% to 3.55% APY.

Canonical page: https://apyledger.com/cd-rates/community-1st-credit-union-iowa
Institution: Community 1st Credit Union (NCUA 68510)
Aliases: 
Status: live
Last verified: 2026-10-23T02:09:38.000Z (October 22, 2026)
Official source: https://www.c1stcreditunion.com/personal/rates/
Coverage: Membership required. Certificates from 3 to 60 months with balance tiers ($500 minimum), the 12-month Dollar Dog certificate ($250) and a 13-month special ($1,000). Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 03 Month | standard | 3 months | $250,001 | 0.95% | Not ZIP-priced | −3.34% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 03 Month | standard | 3 months | $7,501 | 0.85% | Not ZIP-priced | −3.44% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 03 Month | standard | 3 months | $500 | 0.70% | Not ZIP-priced | −3.59% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 06 Month | standard | 6 months | $250,001 | 2.20% | Not ZIP-priced | −2.20% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 06 Month | standard | 6 months | $50,001 | 2.10% | Not ZIP-priced | −2.30% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 06 Month | standard | 6 months | $7,501 | 2.00% | Not ZIP-priced | −2.40% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 06 Month | standard | 6 months | $500 | 1.80% | Not ZIP-priced | −2.60% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 12 Month | standard | 12 months | $250,001 | 3.10% | Not ZIP-priced | −1.47% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 12 Month | standard | 12 months | $50,001 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 12 Month | standard | 12 months | $15,001 | 2.85% | Not ZIP-priced | −1.72% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 12 Month | standard | 12 months | $7,501 | 2.80% | Not ZIP-priced | −1.77% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 12 Month Dollar Dog Certificate Account | special | 12 months | $250 | 2.75% | Not ZIP-priced | −1.82% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 12 Month | standard | 12 months | $500 | 2.75% | Not ZIP-priced | −1.82% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 13 Month Certificate Account Special | promotional | 13 months | $1,000 | 4.15% | Not ZIP-priced | −0.45% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 18 Month | standard | 18 months | $250,001 | 3.20% | Not ZIP-priced | −1.52% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 18 Month | standard | 18 months | $50,001 | 3.10% | Not ZIP-priced | −1.62% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 18 Month | standard | 18 months | $15,001 | 2.95% | Not ZIP-priced | −1.77% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 18 Month | standard | 18 months | $7,501 | 2.90% | Not ZIP-priced | −1.82% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 18 Month | standard | 18 months | $500 | 2.85% | Not ZIP-priced | −1.87% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 24 Month | standard | 24 months | $250,001 | 3.30% | Not ZIP-priced | −1.57% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 24 Month | standard | 24 months | $50,001 | 3.20% | Not ZIP-priced | −1.67% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 24 Month | standard | 24 months | $15,001 | 3.05% | Not ZIP-priced | −1.82% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 24 Month | standard | 24 months | $7,501 | 3.00% | Not ZIP-priced | −1.87% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 24 Month | standard | 24 months | $500 | 2.95% | Not ZIP-priced | −1.92% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 36 Month | standard | 36 months | $250,001 | 3.40% | Not ZIP-priced | −1.55% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 36 Month | standard | 36 months | $50,001 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 36 Month | standard | 36 months | $15,001 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 36 Month | standard | 36 months | $7,501 | 3.10% | Not ZIP-priced | −1.85% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 36 Month | standard | 36 months | $500 | 3.05% | Not ZIP-priced | −1.90% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 48 Month | standard | 48 months | $250,001 | 3.45% | Not ZIP-priced | −1.53% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 48 Month | standard | 48 months | $50,001 | 3.35% | Not ZIP-priced | −1.63% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 48 Month | standard | 48 months | $15,001 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 48 Month | standard | 48 months | $7,501 | 3.20% | Not ZIP-priced | −1.78% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 48 Month | standard | 48 months | $500 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 60 Month | standard | 60 months | $250,001 | 3.55% | Not ZIP-priced | −1.46% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 60 Month | standard | 60 months | $50,001 | 3.45% | Not ZIP-priced | −1.56% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 60 Month | standard | 60 months | $15,001 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 60 Month | standard | 60 months | $7,501 | 3.30% | Not ZIP-priced | −1.71% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |
| 60 Month | standard | 60 months | $500 | 3.20% | Not ZIP-priced | −1.81% | 2026-10-23T02:09:38.000Z | [Snapshot 843](https://apyledger.com/snapshots/843) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.