Conversion Update

Your accounts will continue to be federally insured just as they are today through the National Credit Union Share Insurance Fund, which is backed by the full faith and credit of the U.S. Government and managed by the National Credit Union Administration (NCUA).

You can continue to use First Area Credit Union branch. We cannot begin integrating the operations of the two credit unions until after the system conversion date of July 31, 2026. First Area Credit Union members will be notified as soon as the additional branches are connected.

Credit Union 1 ATMs are available for anyone to use; however, we cannot begin integrating the operations of the two credit unions until after the system conversion date of July 31, 2026, so you may incur a fee until that time. Once the merger is effective, you will have access to all Credit Union 1 ATMs at no charge along with more than 130,000 CO-OP surcharge-free ATMs nationwide through the Allpoint, CO-OP, and MoneyPass networks.

Yes, your account number will change on August 1, 2026. Be sure to update any external parties—such as your employer (for payroll), service providers (for ACH transactions), or lenders—with your new Credit Union 1 (CU1) routing and account numbers.

To find your new account number starting August 1, 2026:

1. Log in to Digital Banking.
2. Go to the ‘Menu’, then select ‘Services’, followed by ‘Setup Direct Deposits’.
3. Here, you can use ClickSwitch to update your direct deposits and ACH transactions, or scroll down to download a PDF with your account details.

Yes, the routing number will also change on August 1, 2026. The new CU1 routing number is #271188081. You can find it in Digital Banking by scrolling to the Move Money tile, or at the bottom of the cu1.com website.

Yes, but not until the system conversion.

• Continue using First Area Credit Union online/mobile banking through July 31, 2026.
• Starting August 1, 2026, switch to Credit Union 1’s Digital Banking platform and mobile app, offering convenient access anytime, anywhere. You can register for Digital Banking beginning August 1, 2026.

Continue using your First Area Credit Union debit card. You will receive your new Credit Union 1 Visa Debit card during the week of July 6, 2026. Credit Union 1 will inform you on the date you start using this new debit card.

Until the system conversion date July 31, 2026, none of your account terms will change. Whether or not they will change after the system conversion date depends on the type of account.

Loans | Your existing loan contract will remain in effect until the loan is paid off.

Share Certificates | The terms of your existing share certificate will remain in effect until the maturity date.

Savings & Checking | Rates and terms on these accounts are subject to change at the time of the merger date. You will receive a CU1 Membership Agreement and Account Disclosures before the merger date.

Credit Cards | Credit Union 1 offers an array of credit card options with competitive rates and exciting rewards. More information will be provided after the system conversion date of date July 31, 2026.