Nishna Valley Credit Union Merger FAQ's

posted on Thursday, June 3, 2021 in Announcements

It’s official!  Members of Nishna Valley Credit Union have agreed to merge with Community 1st Credit Union, with nearly 90% of votes cast saying “yes” to merge. 

Here is our complete list of details and FAQs about the upcoming merger. It will help you prepare for applicable changes it may have on your existing financial products, services, and tools. Don’t see an answer you’re looking for?  Click here to send us your question.    

Frequently Asked Questions

General Merger FAQs

Checking & Debit Cards

Digital Banking

  •  What can I do to prepare for the merger?

    If you use online banking and/or bill pay, we suggest completing the following items to prepare for the merger:

    • Download your 2021 statements for quick reference.
    • Download a copy of your bill pay payees
    • Download a copy of all current and future scheduled payments for your records. 
    • Schedule any time-sensitive bill payments and online transactions prior to 5:00 pm on September 28, 2021.
  •  Will I have to set up a new Login ID/Password for digital banking?

    Yes, on October 1, you will create a new Login ID/Password. 

    • Go to
    • Select “Login” at the top right side of the page
    • Select “New User” link
    • Follow the steps to set up digital banking
  •  Will I have access to a mobile app?

    Yes, getting started is easy.  Simply download the new app by searching “Community 1st CU” in the app store on or after October 1.  There are many services available on our app, including Apple Watch, Text Banking, Mobile Deposit, Loan Payments, Pay a Member (C1st Accounts), BillPayer, Statements, and so much more!

  •  Will I have access to my current Bill Pay information?

    No.  Unfortunately, your payees and history will not carry over to our online BillPayer system.  You will want to download your payee information and history through bill pay prior to September 28th.    

  •  Can I still use my current bill pay system to pay bills?

    The last day to pay bills through your current bill pay system will be on September 28.  It’s important to look at what bills you have setup for payment and update accordingly prior to September 28.

  •  How do I enroll in the new BillPayer system on or after October 1?

    After setting up a new Login ID/Password for digital banking, click on ‘Manage Money’, then select ‘Pay Bills’. 


  •  Will my current loans with NVCU change?

    The rate and term of your loan will not change.  Your loan account number will change.

  •  How will I make my current loan payment?

    C1st has several convenient options to make your loan payment:

    • Digital Banking Transfer – to make a loan payment from a C1st account, simply transfer the funds using 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 payment 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. 
    • You can stop by any of the Community 1st Credit Union branches on or after October 1st and make a loan payment.  Or, send payment to the following address:
      • Community 1st Credit Union
        P.O. Box 737
        Ottumwa, IA 52501

    *Does not include Visa credit cards.  Cards that are available for payments include: Visa debit card, Mastercard credit and debit cards, and Discover cards. 

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