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Coronavirus (COVID-19)
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Coronavirus (COVID-19)

Update as of March 24, 2020

In light of Governor Whitmer's Executive Order to Stay Home and Stay Safe, we wanted to let you know that ICCU is considered an essential business and we are open to serve you by phone, in the drive-thru's, and with our many online and mobile services, with extended hours on Monday - Friday from 8am to 6pm and on Saturdays from 9am to 1pm. We have had a few questions regarding our COVID-19 Income Replacement Loan, so we wanted to give you some more information. The COVID -19 Income Replacement Loan is a loan for established members, who have lost their income due to the COVID-19 health concern and anticipate trouble paying their mortgage, rent, household expenses, or ICCU loans while they don't have money coming in. This loan was designed to roughly cover a members income for 3 months or up to $10,000 with an amazingly low 2.5% Annual Percentage Rate*, for a term of up to 36 months. We will defer your first payment for up to 90 days, and have additional deferral options built in, should it take longer for your employer to get back to business as usual. Additionally, we are offering payment deferrals on most of our loans and have other types of personal loans which may be better suited to your situation. We will also be waiving early withdrawal fees on our Certificates of Deposit, if you need those funds to be available to you because of COVID-19. Please let us know if you are having financial trouble in this already stressful time.  We are here to make your financial life easier, with plans and relief programs personalized just for you.

Rest assured, the credit union is still the safest place for your money to be. Your credit union is healthy and strong, plus your deposits are federally insured to generous levels by the NCUA.

We are all stronger together- and together, we will get through this. 

*Special underwriting criteria applies. Subject to approval. 

Update as of March 20, 2020

If you are experiencing a financial hardship due to the COVID-19 public health concern, and you are uncertain how you will pay your rent/mortgage, household expenses or your ICCU loans, please talk to us. We have programs in place to help get you through this tough time, including our new COVID-19 Income Replacement Loan, for established members who have lost their income because of COVID-19. We are also prepared to help you with payment deferral options and personal loans as part of our existing hardship loan programs. A Financial Service Representative will be able to help you determine which is the best option for your personal situation. Solutions for life is more than just a tagline for us, it's part of our commitment to always work in your best interest, no matter the circumstance.

Update as of March 16, 2020

Isabella Community Credit Union (ICCU) is doing its part to prevent the spread of COVID-19, including the active support of social distancing measures. Beginning tomorrow, March 17th, all ICCU lobbies will be temporarily closed to the public for walk-in service until further notice. Extended hours member service will be available in our drive thrus and by phone Monday – Friday, from 8am-6pm, and Saturdays from 9am-1pm. Of course, It’sMe247 Mobile/Online Banking and other self-service options are available 24 hours a day. If you do need to access a safe deposit box during this time, or have other credit union business that requires an in-person visit, please call us at 989-773-5927 to schedule an appointment.  Other than for safe deposit box access, appointments will be made exclusively available at our main office at 2400 S. Isabella Road. 

Late Friday, the State of Michigan regulators gave us a reprieve in regard to our Bylaw requirements to hold our credit union annual meeting in the month of March. Therefore, instead of looking to virtual conferencing options, the ICCU Board has made the decision to postpone ICCU’s Annual Membership meeting scheduled for March 18, 2020, until such a time as it is safe to hold it. This will allow everyone who desires to do so to participate fully. Rest assured, we will give the membership sufficient advance notice of the new date and time once it is determined. Until that time, our current slate of Directors and Officers will continue to serve as your ICCU Board of Directors.   

ICCU has many tools you can use to access your account, while limiting the risk to your health:

  • Drive-thru Service – We will be handling all types of transactions in the drive thru during this time. We have six drive-thru lanes at the main office and two at the W-M20 branch. All drive thru lanes will be well-staffed to assist you.
  • It’sMe247 Mobile & Online Banking – You can check your balance, use Bill Pay, transfer funds,
    apply for consumer loans, and view your eStatements. If you have not used online banking before, please call us and we can get it set up for you.
  • ICCU Mobile App – Online banking access, transfer funds, use Bill Pay, deposit checks with your smartphone (make sure you go through set up before you need to deposit), view eStatements, and find ATM locations.
  • Online Loan Applications – Apply online for a consumer loan or a mortgage, and a lender will contact you within the next business day.
  • ICCU Website ( – Keep up to date on the latest COVID-19 news, as well as rates and other information related to your credit union membership. All online services are available by starting at
  • Debit Cards – Paying with plastic is another way to help prevent the spread of the Coronavirus.  If you don’t have an ICCU Debit or ATM card, please contact us to request one.
  • ATMs – In addition to the ATMs at each ICCU office, members can use their ICCU Debit or ATM card at any CO-OP Network ATM without fees. You can check your balances, deposit, withdrawal, and transfer funds.
  • ICCU Night Drop- Deposit your cash and checks (in envelopes) at any ICCU location in the night depository
  • Telephone Service – We will have added staff available to field your phone calls. Our employees who typically serve you in person will be standing by to assist you by telephone. We will do our best to provide to serve you as quickly and efficiently as possible.

Thank you for your understanding as we strive to protect the health of our members and employees, and their loved ones. We are committed to your physical and financial health and are doing everything within our power to continue to provide services and resources.

As always, please ask if you have questions or there is something we can do to serve you better.  Particularly during this time, please let us know if you find yourself in need of money or unable to make your ICCU loan payments due to the COVID-19 pandemic. We have programs in place that may be able to help you.

We appreciate your membership. Together, we will get through this and be stronger for it.

Updated as of March 12, 2020

With the confirmed Coronavirus (COVID-19) cases in Michigan, we wanted to let you know what ICCU is doing to protect you and how you can help. Our team is closely monitoring the situation and has a response plan in place. We are actively taking steps to ensure the safety of our members and employees, while maintaining the highest level of member service possible. 

At this time, we do not see the need to limit services. The annual meeting (which typically has no more than 50 people in attendance -- most of whom are employees and board members) on March 18, 2020 is scheduled to proceed as planned. As circumstances evolve, we will do our best to keep our staff and members informed of any changes to this approach. In everyone’s best interest, we do ask if you are not feeling well, that you please consider utilizing electronic or drive-thru services rather than coming into the lobby.

We all need to work together to help prevent the spread of COVID-19 and other illnesses. Please be extra diligent and use these prevention best practices:

  • Wash your hands often with soap and water for at least 20 seconds (to time it, hum “Happy Birthday” twice, use the alphabet song, or this fun handwashing song:
  • If soap and water are not available, use a hand sanitizer that contains at least 60% alcohol
  • Avoid touching your eyes, nose, and mouth with unwashed hands
  • Cover your nose and mouth if you have to cough or sneeze
  • Stay home if you are sick – particularly with symptoms of fever, cough, or breathing difficulty; seek appropriate medical attention if warranted
  • Avoid high-touch surfaces in public places (e.g. handrails, buttons, door knobs, etc.)
  • Avoid public gatherings If you have high risk conditions that increase vulnerability for COVID-19 (defined by CDC as older adults and people who have serious chronic medical conditions like: heart disease, diabetes, lung disease)
  • If attending a public gathering or business meeting, refrain from handshaking, hugging, or other close contact – instead, consider an elbow bump, foot tap, or even a bow, if you want to be more formal

At ICCU offices, we have stepped up sanitation and disinfection processes, including continuing to provide hand sanitizer and increasing the frequency of our disinfecting wipe-downs of high traffic surfaces. We will follow CDC and WHO recommendations on hygiene to prevent infection, and will closely monitor employee health.

Helpful Resources:

We understand that the rapidly evolving situation is causing uncertainty. We are encouraging our employees and members to put their health first, so that the credit union can continue to operate effectively, while we all help to prevent the spread of disease.

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