Home - Ilocos Consolidated Cooperative Bank

About ICCB

Building a Stronger Community, One Member at a Time

Ilocos Consolidated Cooperative Bank (ICCB) was established by cooperative leaders dedicated to empowering the communities of Northern Luzon. As a consolidated cooperative bank, we combine the strength of multiple cooperatives to provide comprehensive financial services that meet the diverse needs of our members.

Regulated by the Bangko Sentral ng Pilipinas (BSP) and registered with the Cooperative Development Authority (CDA), ICCB upholds the highest standards of governance, transparency, and financial security. Our cooperative structure ensures that every member has a stake in our success and a voice in our direction.

From farmers seeking agricultural loans to entrepreneurs building their dreams, ICCB provides accessible, affordable, and personalized financial solutions that drive rural development and community prosperity.

Cooperative Foundation

Founded by visionary cooperative leaders committed to rural development.

BSP & CDA Regulated

Fully compliant with regulatory standards for your security.

Member-Centric

Every member is an owner with a voice in shaping our future.

Award-Winning

Recognized for excellence in cooperative banking.

Our Vision

An empowered and sustainable Bank in Luzon.

Our Mission

To provide financial products and services and help in the countryside development.
To develop partnership with stakeholders for economic endeavors.
To provide career development for employees and officers of the bank.
To undertake community efforts consistent with our Vision statement.

Our Services

Financial Solutions for Every Need

From savings accounts to business loans, ICCB offers comprehensive financial products designed for individuals, farmers, and entrepreneurs.

Savings Products

Regular Savings

Start your savings journey with our flexible regular savings account. Low maintaining balance with competitive interest rates.

₱500 initial deposit
Minimum average daily balance of Php 500.00 is required to earn interest
PDIC Insured

Basic Savings

Maximize your earnings with higher interest rates for larger deposits. Ideal for growing your wealth faster.

Initial deposit of not more than Php 500.00
No maintaining balance required
No dormancy charges/maintenance fees
Minimum average daily balance of Php 500.00 is required to earn interests
Maximum deposit of Php 50,000.00 if in excess converted as regular savings deposits

Loan Products

Agricultural Loan

Support your farming needs with flexible agricultural financing.

Business Loan

Fuel your business growth with competitive commercial loans.

Car & Motorcycle Loan

Drive your dreams with affordable vehicle financing.

Sustainable Financing

Go green with eco-friendly project financing.

PVAO Loan

Special loans for veterans and pensioners.

Housing Loan

Build your dream home with our housing loan program.

Loan Calculator

Plan Your Loan Today

Use our calculator to estimate your monthly payments and total loan cost.

Loan Type

Loan Amount

₱

₱10,000 ₱5,000,000

Loan Term 12 months

6 months 60 months

Interest Rate: 15.0% p.a.

Loan Summary

Monthly Payment

₱0.00

Principal

₱0.00

Total Interest

₱0.00

Total Amount Payable

₱0.00

*This calculator provides estimates only. Actual loan terms, rates, and payments may vary based on credit evaluation. Contact your nearest ICCB branch for accurate quotation.

Why Choose ICCB

Banking Benefits That Put You First

Experience the cooperative advantage with ICCB — where every member matters and your financial well-being is our priority.

PDIC Insured Deposits

Your deposits are protected up to ₱1,000,000 by the Philippine Deposit Insurance Corporation.

Community-Focused Service

As a cooperative, we prioritize our members' welfare over profit. Your success is our success.

Accessible Branch Network

With 15+ branches across Ilocos and Luzon, banking services are always within your reach.

Personalized Solutions

We understand your unique needs and offer customized financial products tailored for you.

Transparent Governance

Democratic management ensures accountability, transparency, and fair treatment for all members.

Quick Processing

Experience faster loan approvals and efficient service from our dedicated team.

BSP Regulated

CDA Registered

PDIC Member

FAQs

Frequently Asked Questions

Here are some frequently asked questions to help you better understand our services and offerings.

Office Hours from Monday through Friday, 8:00 AM to 5:00 PM. Banking Hours from Monday through Friday, 9:00 AM to 3:00 PM.

Valid Identification card and Three (3) copies of 2×2 pictures.

It will depend upon the kind of loan stated in our Services Portion. In addition to the list, the following are the basic requirements: Valid identification card, Tax Identification Number, and Three copies of 2×2 ID pictures.

Yes, The Philippine Deposit Insurance Corporation (PDIC) has announced an increase in the Maximum Deposit Insurance Coverage (MDIC). Starting March 15, 2025, the MDIC will increase from Five Hundred Thousand Pesos (₱500,000) to One Million Pesos (₱1,000,000) per depositor, per bank. This adjustment is intended to enhance the protection for all banking depositors.

Yes, each individual customer's account is insured by the bank to an acceptable insurance company.

Yes, provided that the depositor is a permanent resident of the bank's area of operation (Luzon) and has submitted the required documents in opening an account, prior to the interview using Information and Communication Technology (ICT).

ICCB offers Regular Savings Accounts and Time Deposit Accounts.

Currently, loan applications must be submitted in person at your nearest ICCB branch. This is to ensure that all required documents and verifications are properly completed.

To find a branch near you, visit the Branches page feature on the ICCB website or contact us directly.

Still have questions?

We're here to assist you with all your financial needs.

(077) 674-0357 / (077) 674-0312 • customer.iccb@gmail.com

Ruben R. Habon
President, ICCB

Message from the President

Ilocos Consolidated Cooperative Bank is the result of the combined effort of two Cooperative Banks in the Ilocos Region. The Management sincerely thanks all Member-Stockholders, Board of Directors, Depositors, Borrowers, Officers, and Employees for their unwavering support and commitment to the growth of our Cooperative Bank.

In the face of global challenges, including the ongoing pandemic, we pledge to stand as your trusted banking partner. Our goal is to expand services across North Luzon, especially to rural communities, ensuring accessibility and reliability. With your confidence and God's blessings, may we continue to prosper together.

Message from our Chairperson to the 8th anniversary of Ilocos Consolidated Cooperative Bank (ICCB)

To our dear cooperative members, partners, stakeholders, and the entire ICCB family: Warm greetings of solidarity and prosperity! It is with great pride and heartfelt gratitude that I join you all in celebrating the 8th Founding Anniversary of Ilocos Consolidated Cooperative Bank (ICCB). This milestone marks not only the passage of time, but also the continued success and resilience of an institution born out of unity, trust, and the unwavering commitment to cooperative development in Northern Luzon.

Since our official recognition in 2017 and the beginning of operations in December of that year, ICCB has steadily grown in strength, reach, and service. With a solid foundation of over hundreds of member cooperatives, we have expanded our operations, increasing in branches, and offering essential banking and financial services that uplift our cooperatives and their communities.