COMMUNITY CHOICE CREDIT UNION Routing Number 273074012 — JOHNSTON, IA

About Routing Number 273074012 — COMMUNITY CHOICE CREDIT UNION

Routing number 273074012 is the official 9-digit ABA routing number registered to COMMUNITY CHOICE CREDIT UNION at P O BOX 1405, JOHNSTON, IA 50131. It is registered with the American Bankers Association and the Federal Reserve E-Payments Routing Directory. This number is used exclusively within the US domestic payment system — for ACH transfers, direct deposits, check processing, and domestic wire transfers routed through Fedwire. It cannot be used for international transfers, which require a SWIFT/BIC code.

How to Read Routing Number 273074012

The 9-digit number 273074012 is structured in three segments: 2730 is the Federal Reserve routing symbol — the first two digits identify the Federal Reserve district and the next two identify the specific Federal Reserve processing office handling COMMUNITY CHOICE CREDIT UNION's transactions. 7401 is the ABA institution identifier — four digits assigned by the American Bankers Association uniquely to COMMUNITY CHOICE CREDIT UNION. 2 is the check digit — a single digit calculated from the first eight digits using a weighted sum formula (3-7-1 multipliers). Payment processing systems run this calculation in real time to catch routing number entry errors before any funds move.

ACH, Direct Deposit, and Wire — When to Use 273074012

• Direct Deposit — Payroll and Government Payments: Provide routing number 273074012 and your account number to set up payroll direct deposit, IRS tax refunds, Social Security, VA benefits, or any recurring government payment.
• ACH Transfers — Bill Payments and Bank Transfers: Enter 273074012 when authorising electronic debits or credits — utility bills, insurance premiums, subscription services, or bank-to-bank transfers via NACHA's ACH network.
• Check Payments: This routing number is printed at the bottom-left of every COMMUNITY CHOICE CREDIT UNION personal check in JOHNSTON — the first 9-digit sequence in the MICR line.
• Domestic Wire Transfers via Fedwire: Confirm with COMMUNITY CHOICE CREDIT UNION whether 273074012 applies to wires — many banks use a separate wire routing number. Fedwire settles same-day in real time.

What 273074012 Cannot Be Used For

• International wire transfers — require a SWIFT/BIC code. Find COMMUNITY CHOICE CREDIT UNION's SWIFT code at the SWIFT Code Lookup.
• Indian bank transfers (NEFT, RTGS, IMPS, UPI) — require an IFSC code. Use the IFSC Code Lookup.
• Cheque clearing in India — requires a MICR code. Use the MICR Code Lookup.

How to Verify Routing Number 273074012 Is Correct

Before using 273074012 for a large ACH or wire transfer, verify it three ways: (1) Check the bottom-left of a COMMUNITY CHOICE CREDIT UNION personal check — the routing number must match. (2) Log into COMMUNITY CHOICE CREDIT UNION online banking under Account Details. (3) Cross-check against the Federal Reserve routing directory. BankZop sources all routing data from official ABA and Federal Reserve records as of Jun 2026.

Browse more COMMUNITY CHOICE CREDIT UNION routing numbers in IA or across all states. For all US banks, visit the Routing Number Lookup. For international transfers, use the SWIFT Code Lookup. For loan EMI planning, try the EMI Calculator.