Business Details
50+ Years
experience
Your Trusted Financial Partner in Hannibal, MO
Community First Credit Union has served the financial needs of residents and workers in Marion and Ralls Counties since July 1952. Originally chartered as Division #3 Highway Credit Union, we operate as a not-for-profit cooperative, offering a full array of financial products tailored to our members' needs. Our member-owned structure ensures democratic governance through an elected board of directors, with each member holding one vote regardless of account balance. We prioritize personalized service, maintaining a hometown atmosphere where customers interact directly with knowledgeable staff rather than automated systems. Our physical location in Hannibal, Missouri features convenient drive-thru access and a night deposit box.As a community-focused institution, we extend membership eligibility to immediate family members of existing members through legally recognized relationships. Our leadership team combines local expertise with financial industry experience to deliver competitive rates and fee structures. We maintain transparent operations with clear dividend policies and account fee disclosures. Our commitment to accessibility includes dedicated phone support for internet banking access during regular business hours. Through decades of service, we have established ourselves as a trusted financial partner for individuals and families in our service area.
Services
Loans
Savings Accounts
Checking Accounts
Online Banking
Debit Cards
Details
- Year established: 1952
Highlights and features
- We have served Marion and Ralls Counties since 1952 with locally tailored financial solutions
- Our member-owned cooperative structure ensures democratic governance and shared benefits
- We offer personalized service with direct staff access and no automated phone menus
- Our competitive dividend rates and transparent fee schedule benefit account holders
- We provide comprehensive financial education and community development initiatives
Services
Personal Loans
We offer affordable personal loans for automobiles, boats, lawn equipment, debt consolidation, and general purchases. Our flexible terms accommodate various credit profiles while maintaining competitive interest rates. Loan approvals prioritize member financial health and responsible borrowing practices.
Savings Accounts
Our high-yield savings accounts provide secure growth opportunities with variable dividend rates determined monthly by our board. Accounts require only a $1.00 minimum share to join, with automatic overdraft protection available from linked share draft accounts.
Checking Accounts
Our no-monthly-fee checking accounts include ATM/debit card access and electronic payment capabilities. Members enjoy free check imaging services and optional payroll deduction arrangements. Overdraft protection transfers maintain account activity without penalty fees.
Online Banking
Our Internet Member Access platform enables 24/7 account management including fund transfers, bill payment, and document submission. Secure login requires initial verification through our office during business hours for account activation.
Certificate Programs
We provide share certificate options with fixed dividend rates for specified terms. These accounts offer enhanced returns for members seeking structured savings plans with guaranteed returns through certificate maturity periods.
People
Mike Baxter
Chairman
Mike Baxter leads our board of directors with extensive local financial oversight experience. He ensures strategic governance aligns with member interests while maintaining regulatory compliance.
Tina Lee
Vice Chairman
Tina Lee supports board operations with specialized knowledge of credit union financial management. She focuses on member service standards and operational efficiency improvements.
Nathan Hathaway
Manager
Nathan Hathaway oversees daily operations as credit union manager. His leadership ensures consistent service quality across all member interactions and implements board-approved policies effectively.
Barbara Bowdish
Assistant Manager
Barbara Bowdish manages transaction processing and account administration. She specializes in member onboarding procedures and maintains compliance with financial disclosure requirements.
Katelyn Horn
Loan Officer
Katelyn Horn evaluates loan applications and develops customized financing solutions. She educates members about borrowing options while maintaining responsible lending practices.
Questions
What are your current loan interest rates?
Our loan rates vary based on market conditions and individual credit profiles. Contact our office for personalized rate quotes and financing options.
How do I access online banking?
Call 573-248-2569 during business hours to activate your internet banking access with our staff's assistance.
What membership requirements apply?
Eligibility requires living or working in Marion/Ralls Counties, or having immediate family ties to existing members.
What fees does the credit union charge?
We disclose all fees in our Truth in Savings documents, including NSF charges, wire transfer costs, and inactive account fees.
Are there minimum balance requirements?
Savings accounts require $100 minimum balances for dividends. Checking accounts have no minimums but may incur fees for excessive transfers.
What holiday hours should I know?
We observe standard federal holidays with early closings on Christmas and New Year's Eves. Check our website for annual holiday schedules.
