Welcome Nokomis Members!


We understand that you will have many questions about this change. Please bookmark our website and check back often for updates about this partnership and how it will impact you. Many more details will be added to this page as we move through this transition. PLEASE NOTE - that until the systems are fully converted to LLCU in January 2024, all NOKOMIS MEMBERS should login to ONLINE BANKING using the specific Nokomis button on the right side of this page (also found on LLCU's homepage). 

If you have more questions, be sure to read through the following FAQs:

Q: Why did Nokomis Savings Bank choose to sell?

A: The current competitive marketplace and increasing demands in the rapidly evolving financial services industry led Nokomis’ management and board to determine that combining with a larger organization is the optimal strategy to serve its members today and well into the future. Nokomis members at the time the transaction is completed will become members of LLCU with full access to the credit union's vast array of products and services and LLCU's larger lending limit.

Q: Why did Nokomis Savings Bank choose LLCU?

A: Nokomis’ management and board are impressed by LLCU's commitment to exceptional member service and its investment in the people and communities it serves. This partnership will provide a positive financial return to all members of LLCU following the transaction.

Q: Why did Nokomis Savings Bank choose LLCU?

A: Nokomis’ management and board are impressed by LLCU's commitment to exceptional member service and its investment in the people and communities it serves. This partnership will provide a positive financial return to all members of LLCU following the transaction.


Nokomis Members enrolled in Online Banking, continue to use the same platform you have been using. Your login credentials will not change. Access your online banking here: 


If you are locked out of Nokomis Online Banking or would like to enroll, please call 217-563-7711.

Q: I've never been a member of a credit union. What is the difference between a credit union and a bank?

A: From the perspective of financial products and services, you will see no difference at all. LLCU offers all of the same products & services as Nokomis Savings Bank, plus a few additional. The main difference between a bank & a credit union is that credit unions are not-for-profit. The members are the owners, and therefore any profit is to be returned to members by way of dividends and/or competitive loan rates.

View a video from one of our Branch Managers explaining more about the credit union difference.

Q: I don't really know anything about LLCU. Is it a strong credit union and how involved are they in their communities?

A: LLCU has approximately $375 million in assets, over 120 employees, 14 branches, and over 35,000 members, Land of Lincoln Credit Union offers a full menu of financial services including mortgages, auto loans, checking accounts and business loans and deposits. Land of Lincoln Credit Union remains dedicated to putting members first. The LLCU Guiding Mission is to provide our members education and tools to achieve financial success. We do this by offering FREE financial counseling, not only to our members, but to the general public. We regularly host FREE workshops and seminars on a variety of topics from budgeting, managing your credit score, first-time home buying and more.

Q: Is this a done deal or when will this transition officially take place?

A: While the board of directors of both institutions have approved the proposed purchase, the proposed acquisition remains subject to customary closing conditions. Assuming that all applicable closing conditions are met, both Nokomis and LLCU intend to finalize the acquisition on November 10, 2023.

Q: Will there be a name change?

A: Nokomis will become a part of and assume the name Land of Lincoln Credit Union (LLCU).

Q: What will happen to the existing Nokomis location?

A: Nokomis’ branch location will remain open and become a full-service LLCU location. You will need to continue to use this branch until after the conversion of your account to the records and systems of LLCU expected to occur sometime in January 2024.

Q: What will happen to Nokomis Savings Bank employees?

A: Nokomis Savings Bank employees will become Land of Lincoln Credit Union employees at the official date of acquisition. LLCU has a strong, proven culture of developing and valuing our employees and we are confident that NSB employees will feel at home with us quickly. All staff at the Nokomis branch will remain there, as well. You will continue to see the same friendly faces in Nokomis that you've enjoyed seeing as a customer of the bank.

Q: Will I have to officially become a member of Land of Lincoln Credit Union and if yes, how will I do that?

A: On the closing date, when LLCU purchases and assumes all of Nokomis’ loans and deposits, all members of Nokomis will automatically become members of Land of Lincoln Credit Union. All new LLCU members are required to have a share account with a balance of $5.00. For any Nokomis member that does not have such a savings account, LLCU will open and fund a non-transaction share account with a balance of $5.00. There will be no additional changes in your account structure or servicing until systems integration is completed at a later date. You will be provided a minimum of thirty (30) days prior notice of any scheduled account changes.

Q: Will I be able to use LLCU's existing other fourteen branches in Illinois?

A: As of the date of the transition to LLCU (Nov. 10th, 2023), former Nokomis members will need to conduct in-person banking at the one existing Nokomis branch location. However, once the conversion of all records and data is complete to LLCU's system, which is expected in January 2024, former Nokomis members will have full access to all LLCU products, services, and branch office locations. See the discussion under the heading “Account Conversion” below for additional information regarding changes that will occur following the conversion to LLCU’s records and systems.

Q: When is the official computer/data conversion date?

A: It's still too early to be certain because of the many operational details yet to be identified, but we expect that the conversion will occur sometime in January 2024. LLCU will continue to send communications detailing various aspects of the transition of your accounts, including detailed instructions regarding the conversion of your account to the records and systems of LLCU and any accompanying changes to your accounts.

Q: Will there be an interruption in service?

A: We don't anticipate any interruptions of service, and no action is necessary on your part following the closing of the acquisition and prior to the conversion of your account to the records and systems of LLCU expected to occur sometime in January 2024. The Nokomis branch will remain open following the acquisition to serve you. In addition, you will continue to have uninterrupted access to the property in your safe deposit box. We do not anticipate disruption to the traditional banking business at this time, including your direct deposits, electronic banking activities, ATM/debit or similar transactions, or your transactions by mail, safe deposit boxes, or paper-based checks. We do not anticipate any impact on receiving your periodic statements via your current method – paper or electronic – and will communicate delivery details as necessary. We will share information on the full suite of additional products and services that will become available.

Q: Will my current products and services change?

A: LLCU expects to continue to offer substantially similar, or a greater variety of, products and services as Nokomis after the transition. Presently, Nokomis offers checking accounts, savings accounts, CDs, money market accounts and NOWs. These same deposit products are presently offered at LLCU. Nokomis does not offer mobile banking or credit cards while LLCU does. In the lending area, the product offerings by LLCU will be more robust. Presently, Nokomis does not offer 30 year fixed rate mortgages. LLCU does and offers a wider variety of mortgage loans generally. Nokomis does not emphasize certain consumer related loans such as car loans, boats, RV’s, or holiday (signature) loans. LLCU does. At least initially, the hours of operations of the Nokomis branch will most likely remain the same. As we expect the new product offerings to attract new members, we may expand the hours of operation at the Nokomis branch.

Q: How will my FDIC deposit insurance at Nokomis transition to NCUA deposit insurance at Land of Lincoln Credit Union?

A: After the closing date, your deposits will be insured by the National Credit Union Share Insurance Fund ("NCUSIF") and not by the Federal Deposit Insurance Corporation (FDIC). All your current deposits will continue to be federally insured up to $250,000 for each account category through the NCUA—an agency of the federal government, which administers the NCUSIF. We have included a chart comparing FDIC and NCUA insurance coverage in the special insert enclosed with this FAQ. You can also visit the NCUA’s website at www.ncua.gov and the FDIC’s website at www.fdic.gov where more detailed information about share and deposit insurance can be found.

Q: What are the benefits I will receive as a Land of Lincoln Credit Union member?

A: There are multiple benefits that come with being an LLCU member and most can be found when you visit www.llcu.org. But here is a listing of some of the best benefits:

  • FREE VISA® Debit Card.
  • FREE Online Banking – Access your account anytime, anywhere.
  • FREE BillPay – Pay your bills whenever you want, day or night, simply and securely.
  • FREE E-Statements – Prevent "dumpster diving" identity theft and review your statement online.
  • FREE Mobile Banking – Banking on the go! Search Land of Lincoln in your mobile app store.
  • FREE Financial Counseling – Achieve your financial goals with access to free personal financial literacy, tips, and counseling.
Q: What if I find I have more questions that are not covered here?

A: As we near the official transition date, LLCU will provide all Nokomis Savings Bank customers with a handbook that will provide you with all of the information you will need to make a smooth transition to LLCU. In the meantime, you can send a chat message to a LIVE PERSON anytime during standard business hours, or call our Member Solutions Center at 1-844-222-7788 (toll free), or call a representative at the Nokomis branch at (217) 563-7711.

Account Conversion

When will the account conversion take place?

The conversion of accounts to the LLCU records and systems has been tentatively scheduled for January 2024. While access to some services may transition at different intervals leading up to and through the account conversion, there should be no impact to your ability to use your account up to and through conversion. Additional instructions on implementing the conversion to LLCU’s records and systems, and any scheduled account changes (i.e., relating to direct deposit routing/account numbers and loan payments), will be provided together with a minimum of thirty days prior notice.

Will my account number or account names change with the account conversion?

In the months ahead, the conversion of accounts to LLCU’s records and systems expected to occur in January 2024 may require a change to account numbers if there are duplicates between institutions. We will work to minimize any changes made to accounts as we understand that this type of change may cause disruption. We are committed to making any transition as smooth as possible so that you experience no interruptions in accessing your accounts.

Will I need to update my ACH (Automated Clearing House) transactions (social security, payroll, etc.)?

Following account conversion (January 2024), you will need to contact any business that you provided your account information to for ACH payments or deposits and provide your updated routing number 271183015. We’ll provide you with more information as we get closer to account conversion.

What is Land of Lincoln’s routing and transit number?

LLCU’s routing and transit number is 271183015.

Will I still be able to use my current checks?

Yes, you will continue to be able to use your current checks following the closing of the acquisition. You will be provided with new checks with the LLCU name prior to or following account conversion. More details will be included in future correspondence.

Will I still be able to use my debit card?

Yes, you will continue to be able to use your current cards following the closing of the transaction. You will receive new card(s) and instructions in advance of the conversion expected to occur in January 2024, so that when the conversion occurs you will have card(s) ready to be activated and used.

How will this affect my loan payments?

You will continue to make loan payments to Nokomis Savings Bank, 100 W. State Street, Nokomis, Illinois 62075, until account conversion. Following conversion, you can also make loan payments at any LLCU full-service branch location; by mail to PO Box 3310 Decatur, IL 62524; or visit www.llcu.org for more options.

Will beneficiaries transfer with account(s)?

Yes. Any previously designated beneficiaries will follow the account when integrated with LLCU’s records and systems.

When will I be able to use Land of Lincoln’s branches? What are Land of Lincoln’s hours?

Until the conversion of your account, expected to occur in January 2024, you will need to conduct in-person banking at the one existing Nokomis branch. Following the conversion of your account, you will be able to conduct banking at all fifteen (15) of the combined institution’s offices, including all fourteen (14) of LLCU’s current branch locations.

For a full list of LLCU’s branch locations and hours and ATM locations, CLICK HERE.

When will I be able to use LLCU ATMs or Co-Op Shared Branching Network ATMs?

After closing of the acquisition, Nokomis customers will be able to use ATMs at the former Nokomis branch with their Nokomis ATM and debit cards fee free without interruption. Following the account conversion, you will be able to use any branch or ATM within LLCU’s network, using your new ATM card.

For a full list of LLCU branch locations and hours and LLCU ATM locations, CLICK HERE.

When will LLCU Online Banking access be available to Nokomis members?

A detailed communication about initial access to LLCU's Online Banking will be sent to Nokomis members in future correspondence. This should be expected after the conversion date.


Be the first to know about Land of Lincoln Credit Union’s specials, important announcements, and financial education by signing up for our email list!