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Town & Country Credit Union will merge with Community 1st Credit Union

posted on Friday, July 26, 2024 in Announcements

Town & Country Credit Union Merges with Community 1st Credit Union

We are pleased to announce that Town & Country Credit Union has agreed to merge with Community 1st Credit Union.  Town & Country Credit Union's members, shares, assets, liabilities, and net worth will be transferred to Community 1st Credit Union when the merger occurs later this year.  The decision made by the Town & Country Board to merge came down to the following factors:

  • It will allow us to better serve our membership while effectively controlling costs.
  • It will provide the ability to offer a wider range of exciting products and services.
  • It will provide expanded resources and access to advanced technology options. 

We believe this merger presents a significant opportunity for Town & Country Credit Union and will lead to a stronger, vibrant financial cooperative that will benefit all members.

Town & Country’s branches located in Harlan and Avoca will both remain open after the merger.  In addition, as soon as the merger is finalized, members will benefit from the convenience of accessing 23 full-service branches located across southern Iowa. 

TCCU Merger General FAQs

Checking & Debit Card FAQs

  •  Will I need a new TCCU debit card?

    Yes, your existing debit card will no longer work after December 1, 2024. You will receive a new C1st Debit Card in the mail by November 22, 2024. Please watch for it, as it may arrive in a plain envelope. While the new card can be activated at any time, transactions will only be permitted starting December 1, 2024. The card will include a phone number for activation. To activate it, make sure you call from the phone number we have on file for you.

  •  When will I receive my new debit card?

    Your existing debit card will no longer work after December 1, 2024. You will receive a new C1st Debit Card in the mail by November 22, 2024. Please watch for it, as it may arrive in a plain envelope. While the new card can be activated at any time, transactions will only be permitted starting December 1, 2024. The card will include a phone number for activation. To activate it, make sure you call from the phone number we have on file for you.

  •  Will the recurring transactions set up with my TCCU debit card still work?

    Any recurring payments set up on current debit cards must be re-established to include the newly issued debit card information.

  •  Will I still be able to use my debit card at the ATMs in TCCU’s Harlan and Avoca locations?

    Yes.  In addition, you will continue to have access to 1,000+ Privileged Status ATMs in Iowa without a surcharge.

  •  What should I do with the automatic payments set up to come out of my TCCU checking account? Or direct deposits (i.e. paycheck, pension, Social Security) that go into my TCCU account?

    Your direct deposits/automatic payments will transfer automatically from your Town and Country accounts to Community 1st.  When you receive your 14-digit MICR account letter, please notify the companies and update your information. Please give them your new 14-digit Community 1st Credit Union account and routing number.  Community 1st Credit Union routing number: 273975726. If your employer or depositor needs an official direct deposit document with your new deposit information, we will gladly provide that to you by calling or emailing us. PLEASE NOTE: any automatic payments set up with your new Community 1st Credit Union account/routing numbers before December 1st will be rejected. 

  •  Do I need to order new checks?

    After December 1, 2024, please discontinue writing checks from your TCCU checking account and bring them to the Avoca or Harlan locations for shredding. At that time, we’ll order you one FREE box of C1st basic checks. This offer ends on February 1, 2025. Your TCCU checks will continue clearing for 6 months post-conversion. 

  •  With my C1st debit card, will I have access to a digital wallet (Apple Pay, Google Pay, Samsung Pay)?

    Yes. You can use your C1st debit card with a supported device to make purchases easily. With a quick tap of your phone, you can use your debit card to pay at over one million merchants. Learn more!

Loan Payments FAQs

  •  How will I make my loan payment?

    C1st has several convenient options to make your loan payment:

    Digital Banking:  To make a one-time or recurring loan payment from a C1st account, use our Loan Payment form in C1st digital banking.

    Cross-Member Transfer:  Pay your credit union loans with funds located in a separate C1st membership!  We can set up cross-member transfers in digital banking.

    Payroll Deduction:  Have your payments automatically deducted from your direct deposit.

    ACH Debit Payment:  Set up preauthorized monthly payments from your account at another financial institution.

    One-Time Payment:  To make a one-time payment from another financial institution or credit card*, visit our Online Payment Center. There is an $8 convenience fee to use this service. This service is currently not available to pay a C1st Mortgage or C1st Credit Card.  Does not include Visa credit cards.  Cards that are available for payments include Visa debit cards, Mastercard credit and debit cards, and Discover cards.

    Visit a Branch: Stop by any of the Community 1st Credit Union branches on or after December 2nd and make a loan payment.

    Send a payment to the following address:

    Community 1st Credit Union
    P.O. Box 737
    Ottumwa, IA 52501

Digital Banking FAQs

Credit Card FAQs

This page will be updated periodically with important details and FAQ's regarding the merger process.  Please check back soon for more information.