Frequently Asked Questions About ICCU Routing Numbers
Why does ICCU use the same routing number across all states?
ICCU maintains a single routing number (324173626) for all branch locations to provide consistency and simplicity for members. Founded in 1940 and headquartered in Chubbuck, Idaho, ICCU has expanded through organic growth and strategic mergers, including the recent 2025 merger with TOPCU in Tucson. By using one routing number, ICCU ensures members can easily set up direct deposits, ACH transfers, and wire transfers without confusion, regardless of where they opened their account.
Does ICCU have a SWIFT code for international wire transfers?
Yes, ICCU has SWIFT code ICCUUS55 for international wire transfers, but it only works for USD (U.S. dollar) transfers. This is somewhat unique among credit unions, as most don't have their own SWIFT codes. When sending or receiving international wires in U.S. dollars, you'll need both ICCU's routing number (324173626) and the SWIFT code (ICCUUS55). For currencies other than USD, contact ICCU at 1-800-456-5067 for correspondent bank information.
What are ICCU's wire transfer fees and how long do they take?
ICCU charges $20 for outgoing domestic wire transfers and $40 for outgoing international wire transfers. Incoming wires cost $15 whether domestic or international. Domestic wire transfers typically complete within 12-72 hours depending on the destination financial institution. International transfers may take longer depending on the receiving country and any intermediary banks involved. For same-day processing, submit your wire transfer request early in the business day.
Can I use ICCU's routing number if I live in a state without ICCU branches?
Yes. ICCU serves members throughout Idaho, Washington, eastern Oregon, Arizona, and beyond. Membership eligibility extends to anyone who lives or works in Idaho, Washington state residents, certain Oregon counties, and Arizona residents through the TOPCU merger. Even if you don't live near a physical branch, you can access your ICCU account through online banking, mobile banking, and the CO-OP network of over 30,000 surcharge-free ATMs nationwide.
How does ICCU's single routing number differ from larger banks with multiple routing numbers?
Unlike large national banks that maintain different routing numbers based on the state where you opened your account, ICCU simplifies banking with one routing number for everyone. Large banks often acquired regional banks over time and kept separate routing numbers for each region. ICCU, as a state-chartered credit union that grew primarily within Idaho and neighboring states, established one unified system from the start. This means you never need to worry about using the wrong routing number when you move or open additional accounts.
