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Collins Community Credit Union

Kristal Koberg Schaefer

Real Estate Loan Officer

Office: 563-207-5584



NMLS #: 870916

Cell: 563-349-5385


For over twenty-five years, I have had the privilege of assisting families in realizing their homeownership dreams. Helping borrowers make smart financial decisions that can lead to long-term financial success is why I love what I do.

My primary goal when working with every borrower is understanding their current financial situation, and then helping them choose the best mortgage option to meet their unique needs. I am committed to making the mortgage process a worry-free, educational, and enjoyable experience.

When not at the Credit Union, you’ll find me volunteering with Junior Achievement, running, attending my two teenage sons’ sporting events, or just spending time outside. I am also the current President of the Scott County Library Board, and a past mayor and city council member of the City of Walcott.

I look forward to assisting you in choosing the best mortgage option to achieve your unique financial goals!

What's New

  • Fraud Text Alerts

    Introducing Fraud Text Alerts

    07 June 2021
    At Collins Community Credit Union, your security is our priority. That’s why we’re excited to introduce fraud text alerts. These alerts will help you monitor your money and keep your accounts safe. To receive these alerts, you don’t need to take any action. You will automatically start receiving text alerts for your Collins Community Credit Union debit card and credit card. Learn More
  • How To Increase The Value Of Your Home With Curb Appeal Updates

    11 May 2021
    The United States housing market is booming, and Iowa is no exception. Lack of inventory and historically low interest rates contribute to the red-hot real estate market. Still, despite the skyrocketing price of lumber and sluggish construction projects, data from one real estate listing company indicated home sales are up 20% across the board in 2021. Learn More
  • Be Your Own Fraud Fighter: Tips To Keep Your Money Safe

    26 April 2021
    In 2020, the Federal Trade Commission recorded 2.2 million reports of fraud and $3.3 billion lost by victims. As these numbers continue to grow, it's crucial to stay informed and take action to protect yourself against scams and potential fraud. Check out the tips and current trends below from Collins Community Credit Union's Fraud Officer, Tabby C., to help keep your money safe! Learn More
  • The Top 5 Home Improvement Projects For The Best ROI

    23 April 2021
    If you're thinking about moving, whether you're upgrading, downsizing, or changing locations, now is the time to sell your house. Tighter inventories and increasing demand create an ultra-competitive market, which means houses are selling faster and often for top dollar. You may know specific home improvements can help improve your home's value, but not every upgrade helps drive a higher price. Learn More
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