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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
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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 rate claims to verify, 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.
This is state-level context for Credit Unions consumers in Cedar Rapids, IA. It does not confirm that Collins Community or this specific location is licensed.
State regulator
Iowa Division of Banking
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Collins Community has a 48.1% response rate to consumer complaints, with 7.4% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Collins Community offers 12 services including Premium checking accounts, High-yield savings accounts, Certificate of Deposit (CD) accounts, Auto loans and auto refinancing, Home equity lines of credit, and 7 more.
Collins Community has profile signals associated with Cedar Rapids, Iowa residents seeking long-term relationship banking with local credit union, Home buyers interested in mortgage prequalification and refinancing with simplified processes, Auto loan borrowers comparing rates and seeking flexible terms without closing costs, Established community members prioritizing personal service over large bank alternatives.
Key strengths: Auto loans offered at rate claims to verify starting at 4.14% APR with simplified application process; Home equity products with flexible terms and affordable rates for accessing home value; Long member retention with testimonials spanning 20-50+ years, suggesting stable service. Areas to consider: Geographic limitation to Cedar Rapids/Iowa area based on branch locations and service territory; Website does not clearly disclose membership eligibility criteria or field of membership.
In the Credit Unions category, comparable providers include Aegis, Casebine Community, Cent. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Collins Community Credit Union is profile signals for Cedar Rapids-area residents and those with established ties to Iowa seeking relationship-based community banking with rate claims to verify 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
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
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.
Profile signals: 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.
Profile signals: 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.
Profile signals: 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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