Frequently Asked Questions

Online Banking

Bill Payer

Mortgages

Personal Loans

Auto Loans

  • How long will it take to get the title to my car after I pay off my car loan?

    • Online Banking

    My Online Banking login doesn't work?

    You will be locked out after three (3) invalid attempts.

    Why do I keep getting a Forbidden Error message when I log in?

    To log in you must enable session cookies. To enable this setting please follow the steps below:

    • One option for Internet Explorer is to select Internet Options from the Tools menu.
    • Select the Privacy Tab and then click on the Advanced button.
      • Cookie Handling
    • Set the Advanced Privacy Settings to Accept first-party and third-party cookies. Click OK and Apply.

    How do I have my Online Banking password reset if I am locked out?

    Please call our Call Center at 1-800-262-1001 or stop by any one of our Branch Locations.

    Can I change my own password?

    Yes! You can change your password once you have logged into Online Banking by clicking on the Preferences link and selecting the Change Password option.

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    Can I change my address and personal information online?

    You may change your address and your personal information once you have logged into Online Banking by clicking on the Preferences link and selecting the Edit Contact Information option.

    Can I create nicknames (aliases) for my accounts?

    You may create nicknames for your accounts once you have logged into Online Banking by clicking on the Preferences link and selecting the Change Account Preferences option.

    Can I change my username?

    The system will not allow you to change your own username. You may submit a request by contacting Call Center at 1-800-262-1001.

    How do I reorder checks online?

    You can reorder checks once you are logged into Online Banking by clicking on the Service's link and selecting the Reorder Checks option. You may also make changes and edit personal information displayed on your checks from this option.

    How do I request a Stop Payment?

    We will accept Stop Payment requests via telephone, at 1-800-262-1001, or electronically by connecting to IC Online Banking where you can create a stop payment request. We will then mail you a written authorization form.

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    How do I make a payment to an IC loan?

    Once you are logged into Online Banking, click on the Transfer's Tab and select the Create a New Transfer option. Select which accounts you would like transfer to and from and then enter the amount you would like to pay. Payments below the amount due will not be allowed. Payment over the amount due will automatically be applied to principal. We do not currently allow Principal Only payments online.

    How do I set up a Deposit Only account to transfer funds to another member's IC Federal Union Account?

    Once you are logged into Online Banking, click on the Transfer's Tab and select the Add Other Account option. You will then need to add your Deposit Only Account information by selecting the Add Deposit Only Transfer Account option on the Other Accounts page. Once you have set up your Deposit Only Account information, you can create the transfer by selecting the preferred account in the dropdown list on the Create Transfer page.

    How do I set up an External Transfer account to transfer funds from another financial institution?

    Once you are logged into Online Banking, click on the Transfer's Tab. If you have previously filled out the Interbank External Transfer Form and external transfers are enabled then select the Create a Transfer link. You can create the transfer by selecting the preferred account in the dropdown list on the Create Transfer page and submit. If you have not submitted the Interbank External Transfer form, but would like to, then log in to Online banking and click the Transfers tab. On the transfer page click the View and print external transfers link. Print and complete this form and submit it to:

    • IC Federal Credit Union
      300 Bemis Road
      Web Department
      Fitchburg, MA 01420
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    How do I stop a recurring transfer?

    Once you are logged into Online Banking, click on the Transfer's Tab and select the appropriate "From Account". Click on the Delete Transfer button on the bottom of the Edit Transfer page.

    How can I choose which accounts to view?

    Once you are logged into Online Banking, click on the Preferences link and select the Change Account Preferences option. Check or uncheck the display boxes according to your preference. If you have other accounts that are not visible, it may be necessary to have a member service rep flag your accounts to make them visible on Online Banking. Please call our Call Center 1-800-262-1001 to have someone assist you.

    Why do my Available and Current balances not match?

    If you have a deposit that is on hold or payments that are in process, your available and current balances will differ. If you have questions please contact 1-800-262-1001


    Online Bill Payer

    How do I know if I am enrolled for Bill Payer?

    Please call our Call Center at 1-800-262-1001 if you believe you may have been previously enrolled in Bill Payer. Please DO NOT re-enroll without confirming.

    How do I access my Bill Payer?

    Once you are logged into Online Banking, click on the Payments Tab to access Bill Payer. If you were previously enrolled, you will be prompted to enter the payments portion of the website.

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    How do I enroll for Bill Payer?

    Once you are logged into Online Banking, click on the Payments Tab to access Bill Payer. If you were not previously enrolled, you will be prompted to enroll. Enter all of the mandatory information and submit the enrollment form*. *Note: Prior to enrolling, please verify that your Personal Account information is complete. You can access this information by clicking on the Preferences Link and selecting Edit Contact Information option. If your Contact Information is not complete, you will not be allowed to enroll in Bill Payer.

    Why can't I see my payees in Bill Payer?

    If you were previously enrolled in Bill Payer and you mistakenly re-enrolled, then your Payees will not carry over to the new account. Please call our Call Center at 1-800-262-1001 so that we may assist you.

    Who can I call if I have a question about my Bill Payer?

    You may call the Call Center at 1-800-262-1001 concerning payments you have made or payments that are pending or to add another account to your profile. You may also send an e-mail directly to a Bill Pay representative through your logged in account to rectify missing, late or duplicate payments.

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    Mortgages

    How do I choose the mortgage program that's right for me?

    A mortgage representative from IC Federal Credit Union can help you decide what program makes the most sense for your specific situation considering current market rates. In general, fixed rate programs are often your best choice if market rates are low. They are also a good choice if you plan to live in your home for more than five years. Adjustable rate mortgages are a good alternative if you want the lowest possible monthly payment. Adjustable rate mortgages are also a good choice if you expect to move or refinance in three to five years. Financial experts recommend you choose the shortest term loan which has payments you can comfortably afford. This helps you build equity in your home faster and saves thousands in interest. A biweekly mortgage is another way to get the same results.

    What will my closing costs be?

    Closing costs are approximately $2,000 - $2,200 (not including points) for a $100,000 mortgage. You will get a more precise estimate during the processing of your mortgage application.

    Can closing costs be rolled into my loan amount?

    Yes, in most cases closing costs can be rolled into your loan amount.

    What is IC Federal Credit Union's application fee?

    The application fee for a mortgage is $150.

    How can I lock my interest rate?

    You may lock in your interest rate at application by just asking or at anytime time up to three days prior to closing.
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    Is there a fee to lock in my interest rate?

    Yes, the fee to lock in your interest rate is 1/2 of a point. (For example, 1/2 of a point on a $100,000 loan is $500). This fee will be refunded to you at closing if you choose a zero point mortgage. Otherwise, the fee is credited towards your points.

    Will my IC Federal Credit Union mortgage be sold to another financial institution?

    IC Federal Credit Union does not sell the servicing on our mortgages. That means you will always deal directly with us for payment, escrow, and service questions related to your mortgage.

    Will IC Federal Credit Union escrow my taxes?

    Yes, IC Federal Credit Union will escrow your taxes. If you have 50% equity in your home at the time you obtain your mortgage you may request to pay your own taxes.

    Does IC Federal Credit Union require Private Mortgage Insurance (PMI)?

    IC Federal Credit Union does require PMI if the loan is over 80% of the homes appraised value.

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    Will IC Federal Credit Union finance my second home or investment property?

    Yes, IC Federal Credit Union will finance your second home or 1-4 family investment property.

    Personal Loans

    How long will it take to get the title to my car after I pay off my car loan?

    Keep this in mind when paying off your auto loan. IC Federal Credit Union does not hold paper titles on site. Upon payoff of your loan, titles are released electronically and mailed directly to you from the registry. You should receive your title within 5-10 business days. Further information on registration, titling, etc. can be found at the dmv.org website.


    If you still are having problems you may call the Member Sales & Service Center at 1-800-262-1001