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Illustration of an STCU branch
Illustration of an STCU branch
Illustration of an STCU branch

Together, even better.

Welcome to STCU!

The member-approved merger of STCU and Coulee Dam Federal Credit Union occurred on October 1, bringing CDFCU employees and more than 14,000 CDFCU members into the STCU family. CDFCU branches are closed Friday, October 1, and reopen Monday, October 4, as STCU branches. You’ll find the same familiar faces inside.

CDFCU credit card and online banking information

See important details about your CDFCU credit cards, payments, and your new STCU credit card.

Credit cards

See instructions for logging in and registering for STCU online banking.

Online banking

Read the Spanish version of the account information letter you received in the mail in September (PDF).

Lea la versión en español de la carta de información de la cuenta que recibió por correo en Septiembre (PDF).

Read the Spanish version of the conversion guide FAQ (PDF).

Lea la versión en español de las preguntas frecuentes de la guía de conversión (PDF).

Read the Spanish version of the FAQ you received in the mail in July (PDF).

Lea la versión en español de las preguntas frecuentes que recibió por correo en Julio (PDF).


What about my CDFCU credit card?

Your CDFCU credit card will be deactivated on November 6. Please activate your STCU credit card and reestablish any recurring and/or online credit card payments.

To pay your STCU credit card, please log in to STCU online banking, or:

  • Visit your nearest branch to make a payment in person.
  • Call our Contact Center at (888) 782-8669 to make a payment over the phone.
  • Mail your payment to: STCU, P.O. Box 37035, Boone, IA 50037.

If you have any questions about your credit card, or general questions about the merger, please call us at (888) 782-8669 or contact us via live chat. 

What will happen with my CDFCU online banking?

Step-by-step login instructions

Existing users: you do not need to enroll; when logging in to STCU online banking for the first time, please add “STCU” to the end of your CDFCU username. For example:

  • CDFCU username: Jane_Doe1985
  • STCU username: Jane_Doe1985STCU

To complete the login process, you will need your new, six-digit STCU member number, and the last six digits of your Social Security Number or TIN.

Starting Oct. 4, you can change your username in STCU online banking or our mobile app. If you choose not to, you will need to continue to add “STCU” to your username when logging in.

New users: starting Oct. 4, please register for STCU online banking at, and download the STCU mobile app. On the login screen, select “Register.” Along with other personal identification questions, you will be asked to provide your new STCU member number.

What about billpay?

Access to CDFCU billpay ends after 11:59 p.m. on September, 23. Scheduled payments to businesses and their information will convert automatically. However, E-Bills and payments to individuals, and their information, will not convert automatically and will need to be setup in STCU billpay. Access to STCU billpay starts October 4.

What about my CDFCU debit card?

You will receive your STCU debit card(s) the week of September 20. Once activated, your card will be functional at 5:00 p.m. on Thursday, September 30. Your CDFCU debit card will be deactivated at 10:00 p.m. that night. Please note that STCU debit cards can only be attached to one checking account and one savings account.

You have three options for activating your STCU debit card(s):

  • Go to;
  • Call (866) 762-0558 from your primary phone number;
  • Or use the PIN shown on the mailer to activate the card by making a purchase — or checking your balance at the ATM — starting mid-day September 30.

If you choose one of the first two options, you can ignore the PIN mailer. You can also change your PIN anytime at or by calling (866) 762-0558.

Do STCU and CDFCU offer the same services?

You’ll find that your CDFCU accounts align well with similar accounts at STCU. STCU offers an array of deposit and lending products, home loans, credit cards, online and mobile banking and more. And like CDFCU, STCU is federally insured by NCUA.

Here are some commonly asked questions.

How long will I have access to my CDFCU accounts?

Access to your CDFCU accounts will end after 11:59 p.m. on Thursday, September 30.

What about my CDFCU business accounts?

Like CDFCU, STCU offers business checking and savings accounts, plus an expanded range of business services like traditional and rewards business credit cards, ACH origination, payroll, remote deposit capture, sweeps, and more. Explore STCU business products and services.

What will happen to my direct deposits (paychecks, retirement, Social Security, etc.)?

Direct deposits, ACH transactions, and even checks will continue to be processed. 

After the merger, if you need to set up a direct deposit, please use your new, 10-digit STCU account number, and STCU’s routing number.

What will happen to my automatic payments?

Much like direct deposits, automatic ACH payments made with your account and routing number will convert automatically. You’ll want to update any automatic payments made with your CDFCU debit card to your new STCU debit card number. Also, if applicable, please remember to add your STCU debit and credit card(s) to your smartphone's mobile wallet.

What will happen with my CDFCU loan?

STCU will honor the rate and term on existing loans. Borrowers will receive more information as we move closer to the merger.

Will I need new checks?

Your CDFCU checks will continue to be processed without delay. After the merger, if you need to order new checks, you’ll need your new, 10-digit STCU account number, and STCU’s routing number (325182700). You will be able to order them in online banking, or by calling Deluxe at (877) 838-5287.

What about telephone banking?

You’ll be able to check balances, transfer funds, report a lost or stolen card, and more, with STCU telephone banking. 

What about Zelle®?

Zelle® access STCU does not offer Zelle. However, you may still use this service with your STCU accounts by downloading the Zelle app. Access to Zelle in CDFCU online banking will end after 11:59 p.m. on September 23. Scheduled transactions will be processed through September 30. Payments unclaimed after September 30, and payments scheduled after September 30, will be canceled.

What about Quicken or QuickBooks?

Please download transactions from CDFCU to Quicken or QuickBooks prior to September 30. Once you're active in STCU online banking, update your programs with your STCU online banking credentials. 

Merger information.

Why a merger makes sense.

Our two member-owned credit unions share a commitment to employees, members, and communities. CDFCU chose a partner that will grow and enhance its ability to serve members, and STCU will be able to provide a convenient branch experience for about 3,000 existing members who live in the communities CDFCU serves.

In addition, STCU has the resources to meet challenges that are increasingly difficult for small and medium-sized credit unions, like providing the technological tools, and financial services and products that ensure a strong future. As an STCU member, you’ll have free access to a nationwide network of thousands of participating surcharge-free ATMs.

The future of CDFCU employees.

We know that CDFCU employees are your friends and neighbors. We have every intention of keeping them around to continue serving you!

How do I contact STCU?

We have set up a dedicated phone line for CDFCU members: (888) 782-8669. Para asistencia en espanol, marque (800) 858-3750 y seleccione opcion numero uno.

You can also email us at

About STCU.

STCU is a not-for-profit cooperative that’s based in Spokane. We were founded by teachers in 1934, but our membership is open to nearly anyone in Washington or North Idaho, and others who meet certain qualifications. And we’ve been named the region’s favorite credit union for 16 consecutive years. Read more about STCU.