Collins Community Credit Union is a member-owned credit union serving Cedar Rapids, Iowa, offering checking, savings, auto loans, mortgages, and home equity products since the 1960s.
Data compiled from public sources · Rating from CreditDoc methodology
Collins Community Credit Union (CCCU) is a not-for-profit, member-owned credit union headquartered in Cedar Rapids, Iowa at 1005 Blairs Ferry Rd. NE. The institution has established itself as a long-standing financial cooperative, with member testimonials dating back over 50 years, suggesting a stable presence in the local community. The credit union operates with NCUA insurance protection and maintains a routing number (273972949) for electronic transactions.
CCCU offers a comprehensive suite of consumer financial services including premium checking accounts, high-yield savings products, certificate of deposit (CD) accounts with competitive rates, auto loans starting at 4.14% APR, home equity lines of credit, mortgage origination with prequalification letters, and online banking access. The institution actively markets its services across multiple channels including online platforms, branch locations, and member support via phone (800-475-1150). They maintain an ATM/ITM network for member convenience.
The credit union distinguishes itself through emphasis on community relationships and member service longevity. Multiple member testimonials highlight personal attention, ease of refinancing processes, lack of closing costs on certain products, and a culture of members staying for decades. CCCU positions itself as an alternative to large national banks, explicitly appealing to members seeking local relationship banking. The institution's website features safety alerts about scam communications, indicating active fraud monitoring and member protection efforts.
As a credit union, CCCU operates on a not-for-profit model returning profits to members through better rates and lower fees than traditional banks. However, the website content reveals limited information about membership eligibility requirements, specific rate details beyond promotional highlights, or geographic service area boundaries. While member testimonials are overwhelmingly positive, the organization appears primarily positioned for established community members and those already embedded in the Cedar Rapids area.
Yes. Collins Community is a registered company, headquartered in Cedar Rapids, IA, founded in 1940.
Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.
CreditDoc Diagnosis
Collins Community Credit Union is best for Cedar Rapids-area residents and those with established ties to Iowa seeking relationship-based community banking with competitive rates on mortgages and auto loans. The primary caveat is geographic limitation—membership and service appear restricted to the Cedar Rapids region, making this unsuitable for those outside the service area or relocating frequently.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-05-04
Aegis Credit Union is a locally owned, member-focused credit union serving 3,500+ families in Clinton, Iowa since 1979, offering checking, savings, loans, and online banking.
Best for: Clinton, Iowa residents and surrounding communities seeking local banking relationships, Members prioritizing community-based decision-making over corporate banking structures
Casebine Community is a member-owned credit union offering digital banking, loans, HELOCs, and community development services with routing number 273972761.
Best for: Community members seeking credit union membership with community development focus, Spanish and Portuguese-speaking individuals needing multilingual financial services
CENT Credit Union is a member-owned financial cooperative operating since 1965, offering banking services across three Iowa locations with a mission to provide outstanding financial services.
Best for: Residents of Mason City, Le Mars, or Emmetsburg, Iowa seeking local banking relationships, Community-minded individuals who prefer member-owned cooperatives over corporate banks
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