Merger Timeline & Communication
Stay up to date with the latest developments in the merger between CALCOE and ICCU. This section provides a clear overview of key dates, upcoming milestones, and all official communications shared with members.
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1/13/2026 Meeting Information — CALCOE members receive a Notice of Special Meeting with ballot and Merger Vote & FAQs (EN/ES).
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3/6/2026 Special Meeting & Merger Vote — CALCOE members may attend the meeting at 3:00 PM PST. Voting ballots must be received by 4:00 PM PST.
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3/6/2026 Vote Results & Merger Approval — Voting has concluded, and the merger has been officially approved by CALCOE members.
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3/9/2026 Welcome Letter & Privacy Policy — CALCOE members approved the merger with ICCU, beginning the transition to June 2026 completion.
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3/16/2026 Press Release — ICCU to Expand into South-Central Washington Through Merger with CALCOE Federal Credit Union.
Top Merger Questions
ICCU and CALCOE have a shared culture of serving our membership and communities. By merging the two credit unions, we will reinforce our mission, maintain local staff, increase community investment, and bring a broader range of financial products and services to our members. This agreement will also provide greater opportunities for our team members, including competitive salaries and benefits, industry-leading technology, and increased professional growth and development.
The Board of Directors of CALCOE have called a special meeting for the members of CALCOE at the Yakima Branch located at 1209 North 16th Avenue on March 6, 2026. The Special Meeting on the proposed merger with ICCU will begin at 3:00pm PST. All ballots must be submitted by 4:00pm PST, at which time voting will be closed.
CALCOE has long served both the financial and philanthropic needs of our communities. If the merger is approved, ICCU is excited to engage with local nonprofits in an even bigger way. Serving the community is at the core of ICCU’s mission, and ICCU is committed to significantly increasing its investment in Washington.
ICCU is committed to making this transition as seamless as possible for CALCOE members. As a result of the merger, CALCOE members will have access to more financial products, services, and technologies, including VideoChat, credit monitoring with My Credit, CardControl, and much more. ICCU plans to expand its branch network to increase convenience for local members. Further plans will be explored as we progress through the merger.
The CALCOE Board of Directors chose ICCU because they believe ICCU is the best fit for the needs of the members, the credit union, team members, and the community. CALCOE and ICCU have a shared culture of serving our members and our communities. By merging the two credit unions, we will reinforce our mission, maintain local staff, increase community investment, and bring a broader range of financial products and services to our members.
Yes, the existing CALCOE branches will remain open. ICCU plans to look for additional branch opportunities in the future.
Members can look forward to being served by the same local staff they know and trust today. ICCU’s goal is to retain all team members and provide career growth opportunities within the organization.
If approved, the merger will be finalized in June 2026. Leading up to and following the legal merger, we will work on providing a seamless transition of CALCOE members’ financial services.
Get to Know ICCU
Frequently Asked Questions
Membership
Who is ICCU?
Headquartered in Chubbuck, Idaho, ICCU was organized as a state-chartered credit union on June 28, 1940. ICCU currently serves over 775,000 members with more than 60 branches throughout Idaho, Washington, and Arizona. Our goal is to provide the personalized service our members deserve, with the products and services they need. Our mission is to help our members achieve financial success. ICCU is consistently ranked one of the top-performing credit unions in the country and named a Best Place to Work in Idaho and the Inland Northwest.
When will my account be switched to ICCU?
CALCOE will close its doors at the end of the business day on Friday, May 29, 2026. On Monday, June 1, 2026, branches will reopen as ICCU and you will be a member of ICCU. We’re excited to serve you!
What is my new membership number and account numbers?
You will receive your new membership number and checking account numbers in mid-May.
What benefits are there to CALCOE members?
ICCU offers a full line of financial products for you, your family, and your business. In addition, we offer a variety of electronic services to save you time and money. Visit iccu.com to learn more.
Will my money still be insured?
Yes. Just as with CALCOE today, your accounts with ICCU will be federally insured by the NCUA, up to $250,000.
What is ICCU’s Routing Number?
324173626
Will joint owners of my CALCOE accounts automatically become joint owners on my ICCU accounts?
We are making every effort to transfer joint owners. However, due to the account conversion process, some joint owners may not automatically transfer to your new ICCU accounts. After the merger date, if your joint owners do not appear on your accounts, please visit your local branch or contact us via VideoChat to have them added.
If I have additional insurance coverage as part of my CALCOE membership, will it change?
Any TruStage insurance policies for Accidental Death and Dismemberment, Auto, Home, or Life Insurance obtained as part of your membership with CALCOE that are directly debited from your CALCOE account will be transitioned to your new ICCU account.
Will I need to set up automatic internal payments or transfers again?
We are working with the CALCOE vendors to transfer all automatic payments on your behalf. If we are unable to transfer your payment, we will notify you directly to review your options. If you would like to make any changes to these payments, please visit your nearest ICCU branch.
Who do I contact with questions?
We are here to answer any questions you have about your accounts or the transition from CALCOE to ICCU. Please read through this FAQs document. We also encourage you to stop by your nearest branch, video chat with us, or give us a call at 1-800-456-5067.
What is ICCU’s membership fee?
ICCU’s membership fee is $5. CALCOE members transferring to ICCU as part of the merger will not be charged this fee.
What if I already have accounts at ICCU?
Your CALCOE accounts will be transferred independently from any existing ICCU accounts, but both will become part of your current membership. We won’t automatically combine these accounts; however, if you’d like them merged after the merger, please visit your local branch or contact us and we can combine the accounts.
Savings
Will there be any changes to my savings account(s)?
All CALCOE members are required to have an ICCU Share Savings Account. Either a Share Savings Account or a Business Share Savings Account is necessary to maintain ICCU membership. Dividends will begin accruing on your Share Savings Account or Business Share Savings Account with a balance of $300 or more. The current dividend rate is 0.15% APY* and is paid quarterly. For additional savings options, please visit iccu.com.
Does ICCU offer a Money Market Savings?
Yes, our Money Market Savings Account pays a competitive variable rate for balances of $2,500 or more. If the daily balance falls below $2,500, a monthly service fee of $15 will be charged. If you currently have a CALCOE Money Market Savings, your account will be converted to an ICCU Money Market Savings Account. Please review the enclosed Membership and Account Agreement for more details.
Does ICCU offer a Christmas Club Savings?
Currently, ICCU does not offer this product. All existing CALCOE Christmas Club savings accounts will be transitioned to our Choice Savings account, which lets you make unlimited deposits—just like the Christmas Club—but limits withdrawals to twice a year. For additional information, please refer to the enclosed Membership and Account Agreement.
What savings account options are available?
Secondary Savings, High-Yield Savings, Money Market Savings, Youth Savings Accounts, IRA Accounts, Business Secondary Savings, and more. To learn about each account, please visit iccu.com or the nearest ICCU branch.
What changes will be made to my Certificates of Deposit (CDs)?
There will be no changes to the following terms: APY, term, 10-day grace period, and early withdrawal penalties. The interest compounding period will be modified as follows. Please note that this change does not affect the account’s APY.
• Terms less than 12 months: Interest will be compounded and credited to the certificate account at maturity, becoming part of the principal balance.
• Terms 12 months or greater: Interest will continue to be compounded and credited to the certificate account quarterly, becoming part of the principal balance.
Please review the enclosed Membership and Account Agreement for more details.
What Certificate of Deposit (CD) options are available?
ICCU offers CDs for terms ranging from 90 days to 5 years with a minimum deposit of $500. For additional details on CDs, please visit iccu.com or the nearest ICCU branch.
Will rates change?
ICCU offers a variety savings and certificates products that includes both variable and fixed rate options. Products that have a variable rate APY* are competitive but are subject to change at any time. CD rates are fixed and will remain for the remaining term of the account.
*APY= Annual Percentage Yield. APY is subject to change at any time.
Checking
Will I need to set up my direct deposits coming into my checking account?
ICCU will set up your current direct deposits for you on your corresponding ICCU accounts and attempt to notify the company initiating the deposit of the change. If you have any questions, please give us a call at 1-800-456-5067.
Will there be any changes to my personal checking account(s)?
ICCU offers a variety of checking accounts to fit your needs including Central Checking and our premier checking product, Central Plus Checking. All CALCOE personal checking accounts will be converted to our Central Checking or Starter Checking for members under the age of 18. These accounts have no minimum balance, no monthly service fees, and receive direct deposits up to 2 days early! To learn more about the benefits of ICCU checking accounts, visit iccu.com. To review the product disclosure for these accounts, please see the enclosed Membership and Account Agreement.
Does ICCU offer any premier checking accounts?
Yes, we offer a premier checking account called Central Plus. The Central Plus Checking Account includes benefits such as cell phone protection, travel & leisure discounts, debit advantage, health discount savings, the telehealth, roadside assistance, identity theft services, and more. You can upgrade to our Central Plus Checking by visiting a branch, through eBranch Online Banking, or by contacting us after June 1, 2026. All the Central Plus benefits are included for a low monthly fee of $7, and your first month is free!
What changes will be made to my business checking account(s)?
We offer business accounts for various business needs, along with comprehensive treasury management services. Your checking account(s) will switch to our Small Business Checking, which offers no minimum balance, no monthly service fees, and includes 200 free transactions each month. If you exceed 200 transactions in a month, there will be a $0.20 charge for each additional transaction. We highly recommend you review our business products and service offerings at www.iccu.com/business to determine how ICCU can best help your business succeed financially.
Will the daily limits change on my debit or credit card?
Yes. Your new ICCU personal debit card will have a daily limit of $7,000. An ICCU credit card also has a daily limit of $7,000. The daily ICCU limit of cash withdrawal at an ATM is $710.
Does ICCU offer a rewards program for debit card purchases?
No, ICCU does not offer a points program for debit card purchases. The CALCOE Edge Rewards program will be discontinued, and rewards balances will need to be redeemed before May 29, 2026. Any remaining rewards will be credited to your account.
Will my CALCOE checks continue to work?
You may use your CALCOE checks through May 31, 2026. Beginning June 1, 2026, please begin using the ICCU provided checks. You may bring any unused CALCOE checks into your nearest ICCU branch to be shredded at no cost to you.
Will I receive new ICCU checks?
You will receive a box of checks by mid-May. Due to account conversions, if joint owners are not listed on your checks, please visit your nearest branch to have them added to the accounts.
Will my new checking account come with overdraft protection?
We will provide additional communication regarding ICCU’s overdraft protection program in upcoming communications.
Will I need to update any external automatic payments (ACH) being withdrawn from my checking account?
We will attempt to process these withdrawal(s) from your new ICCU account and notify the company initiating the transaction of your new routing and account number at ICCU. We are unable to guarantee that updates will be made by those companies, and we encourage you to contact them directly to ensure they have your new routing and account number(s). If you have any questions, please give us a call at 1-800-456-5067.
Will I receive a new debit card(s)?
Yes, a new ICCU debit card will be mailed to you mid-May. Please follow the provided instructions to activate and begin using your new card on June 1, 2026.
Will my debit card PIN change?
Yes, you will need to set the PIN for your new ICCU debit card. This can be done via eBranch within CardControl or by visiting your nearest ICCU branch.
Is there a minimum balance or monthly fee for my ICCU checking account?
There is no minimum balance required, and there are no monthly fees for using your ICCU Central Checking Account. Please review the attached fee comparison and refer to the enclosed Membership & Account Agreement brochure for the full list of ICCU’s fees and charges.
What if I see another checking account that I am interested in?
ICCU offers a variety of products to meet our members’ needs. If you are interested in a different checking account product, it is simple to switch, and we’d be happy to help you. Please stop by your nearest branch or give us a call at 1-800-456-5067 after June 1, 2026.
What ATM network does ICCU provide?
ICCU members have access to over 30,000 ATMs nationwide as part of the CO-OP ATM Network.
Will fees change?
Yes. Please refer to the enclosed fee comparison. For a complete list of ICCU’s fees and charges please see the enclosed Membership & Account Agreement brochure.
Loans
What will happen to my loans at CALCOE?
All loans will be transferred to ICCU. You will have access to your loans on eBranch and will be able to make payments, ask questions, or get support by stopping by a branch or contacting us at 1-800-456-5067.
Will the terms and interest rate change?
No, your loan terms and interest rate will remain the same.
Will my payment or due date change?
The due date for your personal and home equity lines of credit will be changed to the 25th of each month. All other loan payment schedules and due dates will remain unchanged.
How do I make a payment on my loans?
For your convenience, you will now make your payments to ICCU after the merger date of Monday, June 1, 2026. You may make payments online with eBranch, over the phone, or at your nearest branch location. Or if you prefer, you may mail your payment to ICCU at P.O. Box 2469, Pocatello, ID 83206. We can also help you set up automatic loan payments from your ICCU checking or savings account.
How will this affect my credit score?
We are working closely with the credit bureaus to correctly transfer all active loans to ICCU and minimize the impact on your credit score.
Credit Cards
When will I receive my new credit card(s)?
You should receive your ICCU Visa credit card by mid-May. If you or a joint owner does not receive a card in the mail, please stop by the nearest ICCU branch to have one instantly issued to you on or after Monday, June 1, 2026, or you may call us at 1-800-456-5067 to have one mailed to you.
Will I need to activate my new credit card(s)?
Yes. When you receive your new ICCU credit card, there will be instructions enclosed to activate your new card on or after June 1, 2026.
When will my CALCOE credit card(s) be deactivated?
We will be providing additional details regarding your credit card in upcoming communications.
Will the rate on my ICCU Visa be different than my CALCOE Visa?
Existing credit card holders will receive a separate notice outlining any changes regarding your credit card account(s) in April. In the meantime, explore the benefits and rewards of our Visa credit cards at iccu.com.
How do I make a payment on my ICCU Visa?
For your convenience, you will now make your payments to ICCU. You may make payments online with eBranch, over the phone, or at your nearest ICCU branch. You may also mail your payment to ICCU, P.O. Box 2469, Pocatello, ID 83206.
When will my ICCU credit card payment be due?
Your payment will now be due on the 15th of each month.
Online Banking
When will I receive my online banking login?
You will receive a letter mid-May with additional account information and instructions for logging into ICCU’s eBranch online and mobile banking for the first time. You may also contact ICCU for additional details at 1-800-456-5067.
Are there tutorials I can view?
Yes. eBranch tutorials are available at iccu.com/tutorials.
Is there an ICCU online banking app available for my smartphone?
Yes. ICCU offers apps for both Apple® and Android™ devices. To learn more, visit iccu.com.
When will I stop accessing CALCOE online banking?
CALCOE online banking will be available until the evening of Friday, May 29, 2026. Following the account conversion, beginning Monday, June 1, 2026, you will access your account via ICCU’s eBranch online and mobile banking.
When will I stop accessing CALCOE online bill pay?
CALCOE’s online bill pay system will be available until the evening Friday, May 29, 2026. If you have any online payments scheduled after this date, you will need to recreate these payments within ICCU’s online bill payment system.
Will I keep my bill pay payees?
No, you will need to set up any bill pay payees when you log into your new ICCU eBranch online banking.
Others
What are the branch hours?
The branch hours will remain the same.
Yakima Branch: Monday-Friday: 9:00 am-5:30 pm PT
Moxee Branch: Monday-Friday: 9:00 am-12:00 pm, 1:00 pm-5:30 pm PT
To see a full schedule of all our branch and ATM locations, please visit www.iccu.com/locations.
VideoChat is available Monday – Saturday 8:00 am – 7:00 pm MT.
What holidays is ICCU closed?
New Years Day; Martin Luther King, Jr. Day; Presidents Day; Memorial Day; Juneteenth; Independence Day; Labor Day; Columbus Day; Veterans Day; Thanksgiving; and Christmas Day.
When will I receive my account statements?
A final CALCOE account statement will be mailed to you after May 31, 2026. You may choose to receive your ICCU account statements by paper or eStatements. To update your delivery preference, log into eBranch Online Banking and select statement preferences, visit the nearest branch, or call us at 1-800-456-5067.
How can I contact ICCU?
Call: 1-800-456-5067
Click: Visit iccu.com to start a chat, video chat with a representative, or to find our nearest branch locations and ATMs
Visit: Find our nearest branch locations and ATMs at iccu.com
You may also send payments and mail to:
ICCU
P.O. Box 2469
Pocatello, ID 83206