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Latest News & Updates

June 30 to July 06

Join the Bangko Sentral ng Pilipinas in celebrating Savings Consciousness Week 2026

This year's theme, "Save Today, Secure the Future," reminds us that financial security begins with a single step. No matter how small the amount, every peso saved today brings you closer to achieving your future goals. At Ilocos Consolidated Cooperative Bank (ICCB), we encourage everyone to develop the habit of saving and make wise financial decisions that lead to a brighter tomorrow. Together, let's build a stronger financial future—one savings goal at a time.
#SavingsConsciousnessWeek2026 #SCWeek2026 #SaICCBKuntentoKaNaAsensoKaPa
Ilocos Consolidated Cooperative Bank (ICCB) is regulated by the Bangko Sentral ng Pilipinas.
https://www.bsp.gov.ph

March 14, 2025

PDIC Insurance Coverage Increase

Starting March 15, 2025, the Maximum Deposit Insurance Coverage (MDIC) provided by the Philippine Deposit Insurance Corporation (PDIC) increased from ₱500,000 to ₱1,000,000 per depositor, per bank.

January 2026

BSP and RBAP Launch "Be Wais 2026"

The Bangko Sentral ng Pilipinas (BSP) has officially launched the #BSPSecuriTips campaign for 2026 to help clients identify and report phishing attempts...

Read Security Tips

ICCB | Professional Banking

Our Regulatory & Trusted Partners

Our Core Values

Integrity

Upholds Honesty and Faireness.

Competitive

Better than others.

Compliant

Law Abiding Coop Bank/ Institution

Best in Luzon

Top Performing Coop 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.

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 14 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

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.

₱500 initial deposit
₱500 minimum balance to earn interest
PDIC insured

Basic Savings

Accessible savings account with no maintaining balance required.

Initial deposit up to ₱500
No maintaining balance
No dormancy or maintenance fees
Max deposit ₱50,000

Loan Products

Agricultural Loan

Flexible financing to support farming and agri-business needs.

Business Loan

Capital assistance to help small businesses grow and expand.

Commercial Loan

Financing for medium to large enterprises, including expansion and working capital.

Car & Motorcycle Loan

Affordable vehicle financing with flexible payment terms.

Sustainable Financing

Eco-friendly financing for green and sustainable projects.

PVAO Loan

Special loan program for veterans and pensioners.

OFW Loan

Loan assistance for Overseas Filipino Workers and their families.

Housing Loan

Finance your dream home with affordable housing loan options.

Calculate your loan

Loan calculator

Plan your loan today

Estimate your monthly payments and total loan cost interactively.

Type of Loan

Loan Amount (PHP)

Min: ₱0 Max: ₱0

Loan Term

Fixed Rate: 15% per annum

Standard fixed rate applies to all listed financial products for easy planning.

Your Estimated Payments

Estimated Monthly Payment

₱0.00

Principal Amount₱0.00

Loan Term36 months

Total Interest₱0.00

Total Payable₱0.00

*Quoted loan amount and monthly amortization are indicative only. Final loan amount, monthly amortization, and applied rate shall be confirmed in your loan documents upon loan approval. Final loan approval is subject to submission of required documents and the Bank’s policies.

General FAQs

Find answers to common questions about ICCB banking and services.

Office Hours: Monday through Friday, 8:00 am to 5:00 PM
Banking Hours: Monday Through Friday, 9:00 am to 3:00 PM

To open an account, please provide a Valid Identification card and Three (3) copies of 2×2 pictures.

Specific requirements depend on the loan type chosen. However, the basic mandatory requirements include:

Valid identification card
Tax Identification Number (TIN)
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 Php 500,000 to One Million Pesos (Php 1,000,000) per depositor, per bank.
          

This adjustment enhances protection for all banking depositors, ensuring your savings grow with peace of mind.

Yes, each individual customer’s account is insured by the bank through an acceptable and accredited insurance company.

Yes, provided the depositor is a permanent resident of the bank’s area of operation (Luzon) and has submitted all required documents. Interviews can be conducted via Information and Communication Technology (ICT) prior to account activation.

We offer flexible options for your financial goals:

Regular Savings Accounts
Time Deposit Accounts

Currently, loan applications must be submitted in person at your nearest ICCB branch. This face-to-face process ensures that all documents and verifications are completed securely and accurately.

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.

Divina C. Quemi
Chairperson, ICCB

Get Started Today

Ready to Experience Cooperative Banking?

Join thousands of satisfied members who trust ICCB for their financial needs. Take the first step towards financial empowerment.

Open an Account

Start your journey with ICCB. Open a savings or deposit account today.

Apply now →

Apply for a Loan

Access affordable financing for your personal or business needs.