Updated as of | Merger Completion Tracker: 75%
Indiana Lakes Federal Credit Union and Credit Union 1 are working together on the upcoming core system conversion, which will take place on October 31, 2026. Below you will find answers to common questions and helpful information to help you get familiar with your new Credit Union 1 accounts. If you need further assistance, please call (800) 252-6950.
Have questions about the merger, disclosures or fee schedule? Submit a Question
Update Contact Info
To ensure you receive all important communications about your account and what this merger means to you, it is critical that we have the best contact information for you on file.
Your New CU1 Debit Card
Your current Indiana Lakes FCU Debit Card will be deactivated on October 29. To replace this card, a new CU1 debit card will be mailed the week of October 27. You can begin using your new CU1 debit card on October 29, after activating it.
Print or Save Statements
To prepare for the upcoming system conversion, we recommend printing or saving PDF versions of one year’s worth of statements for your records.
Adjust Bill Payments
In order to complete the system conversion, Digital Banking and Bill Pay systems will be down for a short period of time. We recommend that you change any bill payments that are due during the conversion timeframe to ensure timely payment.
Note Bill Pay Information
Current Bill Pay users will not be automatically transferred over during the system conversion. Once the system conversion is complete, you will need to enroll in CU1’s Digital Banking and Online Bill Pay platform to set up all recurring transfers.
Make note of your current payees: Company Name, Account Number, Address and Phone Number
For members with existing Indiana Lakes FCU credit cards, continue to use them as normal and Credit Union 1 will send out additional information soon.
Fiserv Customer Service: (888) 406-7409
For members with existing Indiana Lakes FCU loans, make a payment here. ¹
Credit Union 1 is proud to welcome members of Indiana Lakes FCU. To ensure a seamless transition, our team will be hosting a free webinar for all Indiana Lakes FCU merger members that answer commonly asked questions on topics like setting up Digital Banking, making internal payments and transfers, Online Bill Pay, how to activate your debit card, and more. There will also be time to answer your specific questions.
Join us for the Indiana Lakes FCU Merger Member Webinar.
Monday, October 19 at 8:00am ET
Thursday, October 22 at 12:00pm ET
Award-Winning Banking Starts Here
Credit Union 1 is proud to be named one of Forbes' Best-In-State Credit Unions. Learn More.
Credit Union 1’s highly rated Digital and Mobile Banking offer convenient access to your accounts, on your schedule. You can register for CU1’s Digital Banking beginning November 2—find out what to expect from your new Digital Banking platform.
322 S. Detroit Street, Warsaw, IN 46580
Monday - Friday: 9:00am - 5:00pm
Monday - Friday: 9:00am - 5:00pm
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 the Indiana Lakes branch. We cannot begin integrating the operations of the two credit unions until after the system conversion date of October 31, 2026. Indiana Lakes 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 October 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 after the system conversion date. 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 after the system conversion date:
Yes, the routing number will also change after the system conversion date. 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.
Yes. Continue using your Indiana Lakes FCU debit card. Communications will be sent out closer to the operational date of when you will begin using your new Credit Union 1 debit card.
Until the system conversion date October 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 October 31, 2026.
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