Anyone who’s ever moved between Michigan and Iowa knows the feeling of starting over — new scenery, new roads, and in some cases, a new bank. Community Choice Credit Union, serving members since 1953, operates under the same name across two states, and understanding its routing numbers, login procedures, and branch network is key to making the most of it.

Community Choice Credit Union: Routing Number, Login, Branches & Services

Founded: 1953 ·
Headquarters: Farmington Hills, Michigan ·
Branches: Multiple locations in Michigan and Iowa ·
Membership: Open to residents of eligible counties ·
Routing Number: 272079021 (Michigan)

Here is a quick reference for the credit union’s key indicators.

What is the routing number for Community Choice Credit Union?

Routing numbers differ by state. Here’s what you need for direct deposits, wire transfers, and ACH payments.

Two states, two numbers — one pattern: each state’s routing number is tied to its own processing center.

Pro tip: Third-party directories sometimes list different numbers (e.g., 272484344 or 272479634 on Wise), but the official sites are the most reliable.

Bottom line: Members in Michigan use 272079021; members in Iowa use 273074407. Always verify with your official credit union before setting up transfers.

The pattern: each state’s routing number is distinct; always use the correct one for your accounts.

How do I log in to Community Choice Credit Union?

Online banking login steps

• Visit the official login page: Community Choice CU Michigan login or Community Choice CU Iowa online banking.
• Enter your member number and password.
• First-time users need your current username, password, ZIP code, and the last six digits of your Social Security Number or EIN (Michigan login page).

Mobile app login

• Download the app from the App Store or Google Play.
• Use the same credentials as online banking.
• Enable fingerprint or face ID for quicker access.

Troubleshooting login issues

• Reset your password online via the “Forgot Password” link.
• Contact the 24/7 Member Contact Center at 877.243.2528 (Michigan locations page).
• Ensure you’re using the correct website for your state (Michigan: communitychoicecu.com; Iowa: comchoicecu.org).

The implication: book the correct login page for your state to avoid lockouts.

Where are Community Choice Credit Union branches located?

Branches in Michigan

• Farmington Hills (headquarters), Warren, Livonia, Hillsdale, Commerce Township, Dearborn Heights, Eastpointe, Holland, Michigan Center, Muskegon, New Hudson, Northville Township, Redford, Roseville, Royal Oak, Shelby Township, Wyandotte (Michigan locations page).
• Shelby Township branch: 14965 23 Mile Road, open Mon–Thu 9–5, Fri 9–6, Sat 9–1 (Shelby Township page).

Branches in Iowa

• Des Moines (Locust UNbanking Center), Ankeny, Ames, Marshalltown (Iowa locations page).
• The Iowa network includes 11 locations with a contact number (515) 334-8100.

Shared branching network

• Access more than 30,000 surcharge-free ATMs via the CO-OP network.
• Use shared branching at participating credit unions nationwide.

Bottom line: Michigan members have 15+ branches; Iowa members have 11. If you travel between states, shared branching keeps you connected.

The catch: branch counts may change; verify via the official locator.

What services does Community Choice Credit Union offer?

Personal checking and savings

• Free checking with no monthly fee and no minimum balance (Community Choice CU Michigan).
• Savings accounts with dividend earnings.

Mortgages and loans

• Competitive mortgage rates for home purchase and refinance.
• Auto loans, personal loans, and home equity lines of credit.

Business banking

• Business checking, savings, and loans for small businesses.
• Business credit cards and merchant services.

Credit cards

• Visa credit cards with rewards and low rates.

The pattern: one credit union, two states, but the same core product lineup. The catch is that some services (like specific loan programs) may vary by state, so always check with your local branch.

How do I become a member of Community Choice Credit Union?

Eligibility requirements

• Open to residents of eligible counties in Michigan and Iowa (Community Choice CU Michigan).
• Must meet field of membership criteria (e.g., live, work, or worship in a qualifying area).

Membership application process

• Apply online or in person at any branch.
• Provide identification and proof of address.
• First-time users need to set up online banking credentials.

Initial deposit requirements

• Minimum $5 deposit to open a savings account (Community Choice CU Michigan).
• No minimum for checking accounts.

The catch: membership eligibility is county-based; check before applying.

How to get started with Community Choice Credit Union

1. Check eligibility: Visit the Community Choice CU website to see if your county qualifies.
2. Gather documents: Driver’s license, Social Security card, proof of address.
3. Apply online: Fill out the membership application on the official site.
4. Fund your account: Make the initial $5 deposit via debit card or transfer.
5. Set up online banking: Create your username and password.
6. Download the app: Activate mobile banking for 24/7 access.

The implication: following these steps ensures a smooth membership setup.

What we know — and what remains unclear

The pattern: confirmed facts are solid; unclear items need verification.

Member perspectives

“Keeping Banking Easy” – that’s our mission. We aim to provide simple, affordable financial solutions for our members.

— Community Choice Credit Union spokesperson, official website

Great rates and friendly service. I’ve been a member for years and never had a problem.

— Member testimonial, Community Choice Credit Union Facebook page

For anyone moving between Michigan and Iowa — or simply choosing a credit union that spans both states — the decision comes down to routing numbers and location access. The trade-off is clear: you get a community-focused institution with a long history, but you must navigate two separate systems. For Michigan residents, the path is straightforward with 272079021; for Iowans, 273074407 is your key. The implication for cross-state movers: plan ahead, verify your routing number, and keep your login credentials handy.

Related reading: community choice credit union routing number login branches · community choice credit union routing number login branches

Frequently asked questions

The bottom line: FAQ answers the most common questions, but contact the credit union for personalized help.