Welcome to IH Credit Union
Important information regarding the alliance between Athena Credit Union and
IH Credit Union
5000 Urbana Road
Springfield, OH 45502
145 West High Street
Springfield, OH 45502
731 Scioto Street
Urbana, OH 43078
1427 West First Street
Springfield, OH 45504
Phone: (937) 390-1800
Toll-free: (800) 576-4428
Fax: (937)390-6400
www.ihecu.com
WILL MY MEMBER NUMBER/ACCOUNT NUMBER CHANGE AFTER THE ALLIANCE?
Yes. Your account number will change. You will be notified by mail or you can also stop by the credit
union to obtain your new account number. If you also have an existing account with IH Credit Union
your Athena Credit Union account will be combined with your IH Credit Union account, and the account
number you will use to access the combined account will be your IH Credit Union issued number.
WHY HAS THE BOARD OF DIRECTORS OF ATHENA CREDIT UNION RECOMMENDED ENTERING INTO AN
ALLIANCE WITH INTERNATIONAL HARVESTER EMPLOYEE CREDIT UNION?
This alliance with International Harvester Employee Credit Union (IH Credit Union) will allow Athena
Credit Union members many additional benefits & services. These include:
1. All member accounts will now be insured by the National Credit Union Administration
(NCUA) up to $250,000 plus up to an additional $250,000 by American Share Insurance
(ASI), your previous insurer.
2. Three (3) additional locations to better serve members in addition to the West First
Street office you already are accustomed to.
3. Shared Branching where members can access their accounts at other participating credit
unions throughout the nation.
4. Extended hours. The office will now be open on Saturday from 9:00 to 12:00 for your
convenience.
5. After hours loan decision making and ability to speak with a live person regarding your
account.
6. Mobile Banking.
WHO IS INTERNATIONAL HARVESTER EMPLOYEE CREDIT UNION?
IH Credit Union was formed in 1934 to serve the employees of International Harvester Company. Today,
in addition to IH employees, they serve the City of Springfield, Springfield Regional Hospital, Springfield
Police and Fire, Assurant and CodeBlue to name a few. They also recently expanded their membership
to include anyone who lives, works, worships, or attends school in Clark, Champaign, Montgomery,
Madison, Greene, Logan, Union and Miami counties.
IS THIS ALLIANCE WITH IH CREDIT UNION VOLUNTARY OR AS A RESULT OF FINANCIAL DIFFICULTIES?
This alliance with IH Credit Union was a result of careful analysis and a lengthy discussion as a way to
better serve the membership and was not a result of any financial difficulties. Both credit unions are
very highly rated and both have strong capital positions. The alliance was a decision made by both
Boards of Directors to better serve the membership with many additional benefits & services as
explained above.
WHAT IS THE TIMELINE FOR THE ALLIANCE WITH IH CREDIT UNION?
Business will remain essentially the same as it is now until a full data processing conversion occurs.
Computer systems and all member account information will be completed effective April 2, 2013. At the
start of business on that day, all additional benefits will begin, providing all members a wider array of
products, services, additional branch locations, and many additional ATMs. The Athena Credit Union
location will be closed on April 1, 2013 and reopen on April 2, 2013.
WILL OUR CREDIT UNION NAME CHANGE?
Yes. When the alliance is finalized Athena Credit Union will become part of IH Credit Union and begin
using our name. Although the signage will change, you will still see many of the same employees that
you have grown to know over the years.
WILL I STILL BE ABLE TO USE THE ATHENA CREDIT UNION LOCATION ON WEST FIRST STREET AFTER
THE ALLIANCE WITH IH CREDIT UNION?
Absolutely! You can continue to use the Athena Credit Union location just as you have in the past.
However, beginning April 2, 2013, you will also be able to use the 145 West High Street location, the
5000 Urbana Road location, or the 731 Scioto Street location in Urbana. This benefits all of us, as
members of both credit unions can utilize any of these locations for their convenience.
IS MY MONEY SAFE DURING THIS PROCESS?
Again, Absolutely! Your money is safe during and after this alliance. Prior to this alliance your accounts
were privately insured by ASI (American Share Insurance) up to $250,000. Beginning April 1, 2013, your
account shall be insured to $250,000 by the NCUA (National Credit Union Administration) plus an
additional $250,000 by ASI (American Share Insurance), your previous insurer.
HOW CAN I BE SURE MY ACCOUNTS TRANSFER TO IH CREDIT UNION CORRECTLY?
We’ve taken great care to ensure that the transition will go smoothly. Don’t hesitate to consult Virtual
Branch or our Anytime Info-line, our online and telephone account services that let you check your
account balances or activity at any time day or night from a location that’s convenient for you. To sign
up for Anytime Info-Line, dial 1-800-261-2188 and your initial PIN will be the last four digits of your
social security number and enter your newly assigned IH Credit Union account number. You will then be
prompted to change your PIN. To sign up for Virtual Branch, simply go to www.ihecu.com, select
products and services, click on Virtual Branch, click on new applicants, then complete the form. You will
receive an e-mail within 48 hours that will provide additional login instructions. And, of course, you can
call or visit any of our convenient locations.
WILL I RECEIVE A NEW IH CREDIT UNION ATM OR DEBIT/CHECK CARD?
Yes, you will receive a new card with the IH Credit Union name on it around March 15, 2013. You can
continue to use your Athena Credit Union cards until 11:59 P.M. on March 28, 2013. Your IHECU issued
card may be used starting April 1, 2013.
I HAVE A VISA CREDIT CARD WITH ATHENA CREDIT UNION. WILL I STILL BE ABLE TO USE IT ONCE THE
ALLIANCE WITH IH CREDIT UNION TAKES PLACE?
No. You will receive a new IH Credit Union Visa credit card around March 15, 2013 and you can begin
using it immediately. The existing balance on your Athena card will be transferred to your new IHECU
card and your Athena Credit card will become inactive on March 20, 2013.
MAY I CONTINUE TO USE MY ATHENA CREDIT UNION CHECKS AFTER THE ALLIANCE?
No. You will receive a new order of IH Credit Union checks with your new account number around
March 15, 2013. You may begin using them on April 1, 2013 and destroy your Athena Credit Union
checks. After this date your Athena Credit Union checks will be returned as “Account Closed”. Any
future check orders you submit will be filled with IH Credit Union checks. If you get your checks from an
outside company, please contact us so we can provide you the necessary information.
HOW WILL THE ALLIANCE AFFECT MY LOANS?
No. Your loans will not be affected by the alliance. Your rate, monthly payment and terms will remain
the same.
HOW SHOULD I CONTINUE TO PAY MY LOANS?
You should continue to pay your loans as you normally would. If you make your payments by check,
please continue to do so, simply make your check payable to International Harvester Employee Credit
Union. Any automatic deductions will continue.
WILL THERE BE ANY IMPACT ON MY DIRECT DEPOSIT OR AUTOMATIC PAYMENT TRANSACTIONS
AFTER SYSTEM CONVERSION?
There should be no interruptions to your direct deposit or automatic payments before or after the
conversion. However, you should contact your direct deposit originators after April 2, 2013 to notify
them of your updated account information, including IH Credit Union’s routing and transit number
242279068. This is especially important after you receive your new account number.
ARE THERE ANY CHANGES ON THE DIVIDEND RATES AFTER THE ALLIANCE OF THE TWO CREDIT
UNIONS?
Share certificates of deposit (CDs) will remain at the current rate until the next maturity date. At
maturity, they will NOT automatically renew. The balance will be transferred to your savings account.
Please contact at IH Credit Union to purchase a new CD. Effective April 1, 2013, all other share dividend
rates will be at IH Credit Union’s rates.
HOW CAN I LEARN MORE ABOUT THE ALLIANCE PROCESS AND HOW IT WILL AFFECT ME?
Enclosed in this Welcome Packet you will find a copy of IH Credit Union’s Privacy Policy, For Your
Information brochure, Important Account Information, Shared Branching Information, and a Fee
Schedule. We will also keep you updated on any changes both through your account statement and
other communications throughout the year. You may also feel free to call us at 937-390-1800 or visit our
website at www.ihecu.com.
I HAVE AN ACCOUNT AT ATHENA CREDIT UNION AND IH CREDIT UNION. HOW WILL I BE AFFECTED?
Your Athena Credit Union account will be combined with your IH Credit Union account, and the account
number you will use to access the combined account will be your IH Credit Union issued number.
HOW IS THE OVERDRAFT PROTECTION/COURTESY PAY PROGRAM GOING TO WORK AFTER THE
ALLIANCE?
If you are currently enrolled in Athena Credit Union’s overdraft protection/courtesy pay it will continue.
If you do not wish to be enrolled in either program, please notify us in writing as soon as possible.
AFTER THE ALLIANCE, CAN I CONTINUE TO USE THE A-PLUS LINE?
No. You will automatically be enrolled in IH Credit Union’s Anytime Info-Line. The first time you call, your
temporary PIN will be the last four digits of your Social Security Number and you will be required to
change this PIN at that time. You will also use your newly assigned account number. Call 800- 261-2188
to access your account with the Anytime Info-Line and be sure to enter your new IH Credit Union
account number.
WHAT WILL BE THE HOURS OF OPERATION AFTER THE ALLIANCE? (Effective April 2, 2013)
5000 Urbana Road
145 West High Street
731 Scioto Street -Urbana
1427 W. First Street
Monday thru Friday from 9:00 a.m. to 5:00 p.m.
Monday thru Thursday from 9:00 a.m. to 5:00 p.m.
Friday 9:00 a.m. to 5:30 p.m.
Monday thru Thursday from 9:00 a.m. to 5:00 p.m.
Friday 9:00 a.m. to 5:30 p.m.
Monday thru Thursday from 9:00 a.m. to 5:00 p.m.
Friday 9:00 a.m. to 5:30 p.m.
Saturday 9:00 a.m. to 12:00 p.m.
HOW WILL MY ON-LINE BANKING BE AFFECTED?
Your Athena online banking will not be available after 11:59 a.m. on March 29, 2013. Once you have
signed up for our FREE Virtual Branch you will also have Mobile Banking options. You can use our FREE
Mobile Money from any cell phone or you can download our TouchBanking App which can be used with
an Android or iPhone.
IF I HAVE BILL PAY AT ATHENA CREDIT UNION WHAT DO I NEED TO DO?
You will need to set up your payments through IH Credit Union Virtual Branch. Your bills will not be
processed by Athena Credit Union after 11:59 a.m. on March 28, 2013.
WHAT WILL HAPPEN TO MY INVESTMENT ACCOUNT (SHARE 25)?
Your investment account with Athena Credit Union will be transferred to an IH Credit Union money
market account (Share 33). This account only requires a $1,000 minimum balance and withdrawals must
be at least $200.00. Dividends are paid from the date of deposit to the date of withdrawal with no
penalty. IH Credit Union has several tiers, therefore, the higher the balance the higher the dividend
rate.
IF I HAVE E-STATEMENTS WITH ATHENA CREDIT UNION WILL I CONTINUE TO RECEIVE E-STATEMENTS?
You will not receive an E-Statement from Athena Credit Union for the March 31, 2013 statement date.
You will receive a paper statement in the mail. You will need to re-enroll in IH Credit Union EStatements following the completion of the alliance. If you do not re-enroll you will receive a paper
statement in the mail.
WILL I HAVE ACCESS TO MY ACCOUNT HISTORY AND PREVIOUS STATEMENTS AFTER THE ALLIANCE?
No. You will not have any access to account history or previous statements prior to April 1, 2013. All
history beginning April 1, 2013 will be available on Virtual Branch with IH Credit Union.
ATM Locations
(Surcharge free)
IH Credit Union
5000 Urbana Road - Main Office
IH Credit Union
145 W. High St. - IHECU Downtown Springfield Office
IH Credit Union
731 Scioto St., Urbana, OH - IHECU Urbana Office
IH Credit Union
1427 West First Street- Formerly Athena Credit Union location
International Truck & Engine Plant
6125 Urbana Road - (access limited to employees only)
Clark County Fairgrounds
4401 South Charleston Pike
Springfield Regional Medical Center
100 Medical Center Drive
Marathon
3880 E. National Rd.
Visit atmallianceone.org to find additional surcharge free ATM
locations near you!
Dear Valued Member:
We are pleased to announce that Athena Credit Union and International Harvester Employee
Credit Union has formed an alliance in order to provide an expanded array of products, services, and
convenient locations to members of both credit unions.
We would like to take this opportunity to inform you that this partnership is a positive
opportunity and mutually beneficial for both credit unions and has been approved by each credit
union’s Board of Directors. We are confident that this teamwork will be a “win-win: situation for
everyone because there will now be more locations to serve your financial needs as well as additional
services.
Through this consolidation, the Athena Credit Union will become International Harvester
Employee Credit Union. However, the great service you have grown accustom to will not change. And,
as a valued member of Athena Credit Union, you will now have four (4) locations for your convenience
as well as thousands of shared branch locations across the United States.
We are pleased to announce that this alliance will provide these added benefits:
1. All member accounts will now be insured by the National Credit Union Administration
(NCUA) up to $250,000 plus up to an additional $250,000 by American Share Insurance
(ASI), a private insurer located in Dublin, Ohio.
2. Three (3) additional locations to better serve our members in addition to the West First
Street office you already are accustomed to.
3. Shared Branching whereas members can access their accounts at other participating
credit union throughout the nation.
4. Extended hours. The office will now be open on Saturday from 9:00 to 12:00 for your
convenience.
5. After hours loan decisioning and ability to speak with a live person after hours and on
holidays and weekends.
6. Mobile Banking.
7. And so much more!
Please find the enclosed materials highlighting the details of the alliance between Athena Credit
Union and International Harvester Employee Credit Union. Should you have any questions, please feel
free to contact Jim Kitchen at 937-390-1800 Ext. 138 or Kathy Allen at (937)328-2128. We look forward
to serving you and your family for many years to come.
Sincerely,
James E, Kitchen
President/CEO
International Harvester Employee Credit Union
Kathy Allen
President/CEO
Athena Credit Union