Make a Loan Payment
For members with existing MWRD loans, make a payment here.1
Updated as of | Merger Completion Tracker: 50%
Merger Update Prepare for Conversion
Credit Union 1 is committed to making your merger transition as smooth and seamless as possible. As part of the merger, a conversion and consolidation of our core processing systems will occur. The core processing systems of MWRD and Credit Union 1 will be consolidated and converted on August 31, 2026. Prior to that date, Credit Union 1 will continue to update this landing page with the most relevant information for the conversion process. Please bookmark this landing page to stay up to date on how this merger will affect your membership and access to your accounts.
MWRD Employees Credit Union Online Banking
As of July 3, 2026, use this page to login to MWRD’s digital banking.
Account Management Until Conversion
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Accessing Your Current Accounts & Digital Banking
All accounts opened before the legal merger date of June 30, 2026, will continue to be serviced through MWRD’s current system until the core conversion on August 31, 2026. There are no changes to how you access or manage your accounts during this time. You will continue using MWRD’s existing digital banking platform as you do today.
You can continue to make deposits or withdrawals, schedule or send payments, request stop payments, submit disputes, or open a new savings account (suffix) under your existing membership.
Your current account number will stay the same until conversion. CU1 will provide more information on what to expect after conversion on August 31, 2026, and how it will impact how you access your current accounts.
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Opening New Accounts or Applying for Loans
You do not need to open any new accounts prior to the system conversion; your existing accounts will be transitioned to Credit Union 1’s systems without any action from you. If you would like to open a new account or loan after the legal merger date of June 30, 2026, it will be opened on Credit Union 1’s systems. Newly opened Credit Union 1 accounts can only be accessed through CU1 Digital Banking or at a Credit Union 1 branch. They will not be visible in MWRD’s Digital Banking or accessible at MWRD’s branch network. You will need to registe for CU1 Digital Banking to access your account.
To open a new account, get started by:
- Applying online today
- Visiting a Credit Union 1 branch or your current MWRD branch
We recommend registering for Credit Union 1 Digital Banking as soon as your account is open so you can manage your funds without interruption.
Have questions about the merger? Submit a Question
Verify Your Contact Information
Confirm that MWRD has your correct contact information on file to ensure you receive all merger communications. To confirm we have your correct phone number, email address, and mailing address, please either:
- Call (312) 751-3111
- Visit your nearest MWRD branch
Branch Information & Hours
Erie
100 E. Erie Street
Chicago, IL 60611
Lobby
Monday: 9:00am - 3:00pm
Tuesday: 9:00am - 3:00pm
Wednesday: Closed
Thursday: 9:00am - 3:00pm
Friday: 9:00am - 3:00pm
Saturday: Closed
Sunday: Closed
Stickney
6001 W. Pershing Road, Cafeteria Level
Stickney, IL 60804
Lobby
Monday: Closed
Tuesday: 9:00am - 3:00pm
Wednesday: Closed
Thursday: Closed
Friday: 9:00am - 3:00pm
Saturday: Closed
Sunday: Closed
Merger FAQs for MWRD Members
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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).
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You can continue to use MWRD branch. We cannot begin integrating the operations of the two credit unions until after the system conversion date of August 31, 2026. MWRD members will be notified as soon as the additional branches are connected.
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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 August 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.
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Yes, your account number will change 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:
- Log in to Digital Banking.
- Go to the ‘Menu’, then select ‘Services’, followed by ‘Setup Direct Deposits’.
- Here, you can use ClickSwitch to update your direct deposits and ACH transactions, or scroll down to download a PDF with your account details.
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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.
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Yes, but not until the system conversion.
- Continue using MWRD online/mobile banking through August 31, 2026.
- After the system conversion date, switch to Credit Union 1’s Digital Banking platform and mobile app, offering convenient access anytime, anywhere. You can register for Digital Banking after the system conversion.
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Yes. Continue using your MWRD Employees' Credit Union 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.
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Until the system conversion date August 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 August 31, 2026.
Benefits of Membership with CU1
Once the merger is complete, you’ll have access to quality products and services needed to succeed financially. Credit Union 1 offers modern technology, dedication to member service, and competitive everyday banking products that will help members reach their unique financial goals.
Benefits for Members
- Additional products and services—like High Yield Checking2, High Yield Savings3, Credit Cards, CDs with competitive rates, Business Banking, Business Loans, and Merchant Services—available to members.
- Access to 5,000+ shared branch locations and 130,000 surcharge-free ATMs across the country through the Allpoint, CO-OP, and MoneyPass Networks.
- Enjoy 24/7 support from Luna, our AI-powered Virtual Assistant, or speak to a team member during operating hours.
- Ability to skip loan payments³ in times of financial hardship.
How Are We Doing?
We want to hear from you! In our ongoing efforts to improve member experience at Credit Union 1, we’re rolling out a member survey to ensure that your voice is being heard.
