Consolidated Community Credit Union

What Consolidated Community Credit Union does

Consolidated Community Credit Union (CCCU) is a federally chartered, member-owned, not-for-profit credit union headquartered at 2021 NE Sandy Blvd, Portland, Oregon, operating under the legal entity Consolidated Federal Credit Union. Founded in 1934, the institution serves individual consumers and small-business members across eight counties in Oregon and Washington (Multnomah, Clark, Washington, Hood River, Clackamas, Yamhill, Columbia, and Skamania) through three Portland branches, one Hood River branch, and an extensive CO-OP network providing access to 5,600+ shared branches and 30,000+ surcharge-free ATMs nationwide. CCCU delivers a full-service retail and SMB banking product suite including deposit products (Apex Checking yielding over 50x the national average APY up to $20,000, Base Checking, Primary Savings, Money Market, CDs, IRAs, Wealth Management), consumer lending (mortgages including FHA/VA/USDA/Jumbo/Physician programs, HELOC, home equity loans, auto, personal, RV/motorcycle/boat/ATV/bicycle loans, credit builder loans), credit cards (VISA Clear, Classic, Signature Rewards across personal and business tiers), and business banking (business checking, savings, credit cards, lines of credit at 11.95%–13.95% APR, business auto loans, commercial real estate loans).

The technology stack is standard credit-union core banking augmented with a mobile banking app (iOS/Android) featuring biometric authentication, MFA, mobile deposit, Zelle P2P payments, account snapshot, debit-card management, budgeting tools, and digital wallet support (Apple Pay, Google Pay), plus an Interactive Teller Machine (ITM) channel for extended-hour teller service. Partnerships span Visa for card rails, CO-OP Financial Services for shared branching/ATM, Zelle for P2P, CURewards for card rewards, and MasterCard Cash Passport for travel currency cards. The credit union is also a U.S. Treasury Emergency Capital Investment Program (ECIP) participant.

Revenue mechanics follow the standard credit-union model: net interest income from a diversified loan book (mortgages, consumer, credit cards, business lending) is the primary stream, supplemented by transaction fees (account maintenance, ATM, wire, interchange), and investment income from the deposit-funded balance sheet. Pricing is public (rates as of May 2026), with a promotional 3.99% APR HELOC for the first 12 months, no-annual-fee business credit cards, and competitive consumer deposit/loan rates. CCCU's go-to-market is direct-to-consumer/member via branch presence, mobile and online channels, community sponsorships (Portland Pilots Athletics, scholarship program, GoFundMe support), and referral-driven word-of-mouth — supported by consistent recognition as a top-1% U.S. credit union (S&P Global Market Intelligence: #47 of 4,700 in 2024, #12 in 2025, #2 in Oregon, top-100 for nine consecutive years). Two recent mergers (Providence FCU in 2024 and KaiPerm NW FCU effective January 1, 2026) constitute the principal growth engine.

Name

Consolidated Community Credit Union

Legal name

Consolidated Federal Credit Union

Website

https://consolidatedccu.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

51–100 employees

Short description

Consolidated Community Credit Union is a federally chartered, member-owned not-for-profit credit union headquartered in Portland, Oregon, serving individual consumers and small businesses across eight Oregon and Washington counties with a full suite of deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213), Credit Unions (522130), Depository Credit Intermediation (5221)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Co-Branded Credit Cards (FSAKABAB)

Keywords

• Retail banking services
• Consumer lending
• Mortgage loans
• Credit union services
• Business banking

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: As a credit union, the primary revenue stream comes from interest earned on various loan products including mortgages, auto loans, credit cards, personal loans, home equity products, and business loans
2. Fee Income: Various banking fees including account maintenance, ATM fees from non-network usage, wire transfer fees, and other service charges
3. Investment Income: Income from investment of deposits and capital

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Consolidated Community Credit Union operates as a federally chartered, member-owned, not-for-profit credit union delivering retail and small-business financial services. Its product suite spans deposit accounts (checking, savings, money market, CDs, IRAs), consumer loans (mortgages including FHA/VA/USDA/Jumbo/Physician programs, home equity, auto, personal, RV/motorcycle/boat/bicycle/ATV, credit-builder), credit cards (VISA Clear, VISA Classic, VISA Signature Rewards), and business banking (checking, savings, credit cards, lines of credit, auto, commercial real estate). Distribution is hybrid: four physical branches across the Portland metro and Hood River, supported by full online and mobile banking platforms and the national CO-OP shared-branch/ATM network.

Product overview

Consolidated Community Credit Union (CCCU) operates as a not-for-profit credit union offering a comprehensive suite of financial products and services organized into personal banking, business banking, and digital banking channels. The personal banking suite includes multiple deposit products (checking, savings, CDs, money market, IRAs), consumer loans (mortgages including FHA/VA/USDA/Jumbo/Physician programs, home equity products, auto loans, personal loans, and specialty vehicle loans for RVs, motorcycles, boats, bicycles, and ATVs), credit cards (VISA Clear, Classic, and Signature Rewards), and insurance/protection services. The business banking suite encompasses business savings, checking, credit cards, lines of credit, auto loans, and commercial real estate financing. The digital banking platform includes online and mobile banking with mobile deposit, bill pay, eStatements, Zelle person-to-person payments, debit card management, budgeting tools, and account snapshot features. Additional services include wire transfers, direct deposit, shared branches, ITM services, financial planning, and a college scholarship program. The credit union was recently expanded through the January 2026 merger with KaiPerm NW Federal Credit Union.

Differentiator

Problem solved

Functional benefit

Products and services

• Apex Checking (High Yield Checking) Flagship high-yield checking account paying dividends on balances up to $20,000 with direct deposit, offering over 50 times the national average APY; minimum opening balance $25.
• Base Checking Standard personal checking account with basic banking features and Visa debit card access for everyday consumer use.
• Primary Savings Core personal savings account with competitive dividend rates, requiring a minimum $5 opening deposit and $100 balance to earn dividends.
• Certificates of Deposit (CDs) Term deposit accounts offering fixed dividend rates over specified time periods for members seeking guaranteed-yield savings.
• Money Market Account Tiered savings account offering higher yields than basic savings for members who maintain higher balances.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts offered in traditional and Roth IRA options for long-term retirement planning.
• Mortgages Home purchase loans including standard fixed/ARM, jumbo, first-time home buyer, FHA, VA, USDA, and physician loan programs for members purchasing or refinancing residential property.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity with a promotional 3.99% APR for the first 12 months and up to $500 in closing costs waived.
• Home Equity Loan Fixed-rate loan secured by accumulated home equity for large expenses, debt consolidation, or major purchases.
• Auto Loans Financing for new and used vehicle purchases with competitive rates and flexible terms for consumer borrowers.
• Personal Credit Cards Personal credit cards including VISA Clear, VISA Classic, and VISA Signature Rewards with variable APR ranges and digital wallet support.
• Personal Loans Unsecured fixed-rate installment loans for various personal expenses with fixed rates and terms.
• Personal Line of Credit Revolving personal credit account offering flexible access to funds as needed for members.
• Credit Builder Loan Specialty loan product designed to help members establish or improve their credit history through structured repayment.
• Physician Home Loan Specialized mortgage program for physicians offering flexible underwriting guidelines and tailored qualification criteria.
• Business Checking Account Checking account tailored for small-business operations with cash flow management tools and Visa debit card access.
• Business Savings Account Savings account designed for business owners with competitive dividend rates and business-focused features.
• Business Line of Credit Revolving credit line for businesses providing flexible access to working capital for cash flow management, equipment purchases, inventory financing, and growth; Preferred rate as low as 11.95% APR, Standard as low as 13.95% APR.
• Business Credit Cards Business credit cards including VISA Clear (fixed 11.95% APR, no annual fee), VISA Classic (variable 10.40%–17.90% APR), and VISA Signature Rewards (1 point per $1 spent) for small-business payment and expense management.
• Business Auto Loan Financing for vehicles used for business purposes with competitive commercial rates.
• Commercial Real Estate Loans Financing for commercial property purchases and refinances for business owners.
• Online Banking Web-based banking platform for managing accounts, paying bills, transferring funds, viewing eStatements, and accessing financial planning tools.
• Mobile Banking App Smartphone application for iOS and Android providing full banking functionality with biometric/MFA login, mobile check deposit, bill pay, Zelle P2P payments, debit card controls, and account management.
• Wealth Management and Financial Planning Investment and retirement planning services, including integrated budgeting tools within online and mobile banking, to help members build long-term financial security.

Quantifiable outcome

• Ranking #12 nationwide in 2025 for credit union performance
• +3 more outcomes

Named customers10 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• KaiPerm NW Federal Credit UnioncoreStrategic or Co-development Partner · 1 January 2026Effective January 1, 2026, KaiPerm NW Federal Credit Union legally merged with CCCU. This partnership combines resources and expertise to bring expanded products and services, enhanced digital tools, and stronger foundation for long-term stability and member-focused growth. No account changes required for members.
• Portland Pilots AthleticscoreGTM or Marketing PartnerProud Sponsor of Portland Pilots Athletics (University of Portland). CCCU is the credit union of choice for the Portland Pilots, helping students and alumni reach their financial goals.
• CO-OP Financial ServicescoreTechnology or IntegrationCO-OP network partnership providing access to 5,600+ shared branches and 30,000+ surcharge-free ATMs nationwide for CCCU members.
• VisacoreTechnology or IntegrationVisa is the payment network for CCCU's credit and debit cards including VISA Clear, VISA Classic, and VISA Signature Rewards business credit cards.
• CURewardsminorGTM or Marketing PartnerRewards program partner for VISA Signature Rewards credit cards. Points can be redeemed for electronics, jewelry, travel, cash, and more at CURewards.com.
• ZellecoreTechnology or IntegrationIntegration partner for P2P payments allowing CCCU members to send money to friends and family at other financial institutions.

Scale indicators6 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• BECU (Boeing Employees Credit Union): Washington-state-headquartered community credit union with broad Pacific Northwest membership; offers a comparable deposit, loan, mortgage, and digital banking product set — a relevant scale and geographic peer.
• Advantis Credit Union: Oregon-based cooperative credit union serving the Portland metro and surrounding counties with consumer and business banking — directly overlapping member-eligibility geographies with CCCU.
• Rivermark Community Credit Union: Portland-area community credit union offering consumer deposits, lending, mortgages, and small-business banking to Oregon and Washington residents — direct overlap with CCCU's product set and service area.
• OnPoint Community Credit Union: Portland-based community credit union serving Oregon and Washington with a similar full-service retail and business banking suite, overlapping geographies and member demographics, and comparable positioning around personal service and competitive rates.
• First Tech Federal Credit Union: Federal credit union serving technology-focused employer groups with national membership and Pacific Northwest concentration; offers a comparable suite of deposit, loan, and digital products and competes for similar member profiles.
• Oregon Community Credit Union: Oregon-headquartered community credit union providing consumer and business banking, mortgages, and lending products to members across the state — peer in product mix, member segment, and rating profile.

Regional players

• Maps Credit Union: Oregon-based community credit union with overlapping geographic and competitive overlap into the Portland-adjacent counties where CCCU operates, comparable community-focused positioning.
• iQ Credit Union: Pacific Northwest credit union serving Oregon and Washington members with consumer lending, mortgages, and digital banking — comparable product suite and member segments to CCCU.

Broad incumbents

• U.S. Bancorp (U.S. Bank): One of the largest U.S. retail banks with deep Oregon and Washington branch density; competes head-on with CCCU in consumer deposits, mortgages, and small-business banking, representing the broad incumbent benchmark.
• WaFd Bank (Washington Federal Bank): Large community-oriented regional bank serving the Pacific Northwest with full retail, mortgage, and small-business banking — a broader incumbent competitor for both consumer and SMB deposits and loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/consolidatedccu
• Facebookfacebook.com/ConsolidatedCCU
• LinkedInlinkedin.com/company/consolidated-community-credit-union

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Consolidated Community Credit Union