🛡️ PDIC Insured up to ₱1,000,000

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Driven by Trust

Join Ilocos Consolidated Cooperative Bank — your trusted partner for community-driven banking, financial growth, and cooperative prosperity in Northern Luzon.

8,000+

Depositors

200+

Shareholders

138+

Cooperative members
👥
Cooperative Strength

Member-owned & operated

🛡️
BSP Regulated

Bangko Sentral ng Pilipinas

📈
Competitive Rates

Grow your savings faster

Latest News & Updates

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.

Read More
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
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 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
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.

Loan Calculator

Plan your loan today

Estimate your monthly payments and total loan cost interactively.

Calculate Now

Interest Rate: 15% per annum

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*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.
President Ruben R. Habon

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.

Read More
President Ruben R. Habon

Divina C. Quemi
Chairperson, ICCB

Frequently Asked Questions

Get the information you need about our services and policies.

Office Hours: Monday through Friday, 8:00 am to 5:00 PM
Banking Hours: 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 (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 is intended to enhance the protection for all banking depositors. With higher deposit insurance, you can grow your savings with even greater peace of mind knowing your money is well protected.
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 operation (Luzon) and have submitted the required documents in opening an account. Prior to the interview using the Information and Communication Technology (ICT).
ICCB offers:
  • Regular Savings Accounts
  • 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.
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 for a Loan

Access affordable financing for your personal or business needs.

Apply now

Visit a Branch

Find your nearest ICCB branch and speak with our friendly team.

Find Branch

Contact Us

Have questions? Our support team is ready to assist you.

Become a Member-Owner Today

As a cooperative bank, every depositor becomes a member-owner. Enjoy dividends, voting rights, and exclusive member benefits.

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