Case Study: Idaho Central Credit Union accelerates loan closings and earns interest sooner with DocuSign

Idaho Central Credit Union Earns Interest Revenue Sooner with DocuSign

Idaho Central Credit Union (ICCU), a 71‑year‑old credit union serving more than 100,000 members, faced a resource‑heavy loan process—printing, mailing and tracking hundreds of documents daily—that delayed loan closings, postponed interest revenue, and made it difficult to comply with 2010 overdraft opt‑in/out requirements.

ICCU implemented DocuSign integrated with its loan origination system, used postcard notifications and batch sends with signer authentication, and automated uploads back into internal systems. The change accelerated loan signings so interest began accruing sooner, eliminated manual re‑keying, doubled expected overdraft response rates (over 40% vs a 20% goal), and improved member satisfaction and regulatory compliance.

Idaho Central Credit Union

Camille Montgomery

Business Systems Analyst